The earnings call highlighted strong performance in premium growth, financial results, and return on equity, supported by effective capital management strategies. However, challenges such as a reduction in audit premiums, increased expense ratio, and a decrease in investment income were noted alongside pressure on the loss ratio. Despite these lowlights, the positive aspects of the company's performance were more pronounced.

Company Guidance -

Q3 2025

During the AMERISAFE Second Quarter 2025 Earnings Call, the company highlighted several key financial metrics and strategic initiatives. AMERISAFE reported a 12.8% growth in voluntary premiums for policies written in the quarter, with an in-force policy count increase of 3.4% and a renewal retention rate of 93.8%. The current accident year loss ratio stood at 71%, and there was $8.6 million in favorable development for the quarter. Additionally, the Board approved a $25 million share repurchase program, while a regular quarterly cash dividend of $0.39 per share was declared. The company reported net income of $14 million, or $0.73 per diluted share, and operating net income of $10 million, or $0.53 per diluted share. Gross written premiums rose by 4.3% year-over-year to $79.7 million. The expense ratio was noted at 31.3%, reflecting ongoing investments in growth, and the effective tax rate was 20.1%. The investment portfolio remained robust with a tax-equivalent book yield of 3.85%, and the company repurchased 63,000 shares during the quarter.

Increase in Premiums and Policy Count

AMERISAFE reported a 12.8% growth in voluntary premiums for policies written in the quarter, with an in-force policy count growth of 3.4%, supported by new business growth and 93.8% renewal retention.

Financial Performance and Share Repurchase Program

AMERISAFE reported net income of $14 million, or $0.73 per diluted share. The company's Board of Directors reauthorized a $25 million share repurchase program, reflecting confidence in long-term business value.

Dividend and Capital Management

A regular quarterly cash dividend of $0.39 per share was declared. Book value per share increased to $13.96, up 3.3% year-to-date.

Strong Underwriting Profitability

Despite a competitive market, AMERISAFE maintained a current accident year loss ratio at 71% and achieved $8.6 million of favorable development in the quarter.

Industry-Leading Return on Equity

AMERISAFE achieved an industry-leading operating ROE of 14.9%.

Amerisafe (AMSF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

AMSF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.56 / -	0.58	―	―	―
Jul 24, 2025	2025 (Q2)	0.54 / 0.53	0.58	-8.62% (-0.05)	―
Apr 29, 2025	2025 (Q1)	0.61 / 0.60	0.69	-13.04% (-0.09)	―
Feb 26, 2025	2024 (Q4)	0.63 / 0.67	0.74	-9.46% (-0.07)	―
Oct 23, 2024	2024 (Q3)	0.58 / 0.58	0.61	-4.92% (-0.03)	―
Jul 29, 2024	2024 (Q2)	0.63 / 0.58	0.73	-20.55% (-0.15)	―
Apr 24, 2024	2024 (Q1)	0.70 / 0.69	0.83	-16.87% (-0.14)	―
Feb 21, 2024	2023 (Q4)	0.71 / 0.74	0.84	-11.90% (-0.10)	―
Oct 25, 2023	2023 (Q3)	0.69 / 0.61	0.73	-16.44% (-0.12)	―
Jul 27, 2023	2023 (Q2)	0.72 / 0.73	0.68	7.35% (+0.05)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

AMSF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$43.58	$46.23	+6.08%
Apr 29, 2025	$49.41	$46.09	-6.72%
Feb 26, 2025	$50.01	$49.98	-0.06%
Oct 23, 2024	$47.10	$52.09	+10.59%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Amerisafe (AMSF) report earnings?

Amerisafe (AMSF) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Amerisafe (AMSF) earnings time?

Amerisafe (AMSF) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is AMSF EPS forecast?

AMSF EPS forecast for the fiscal quarter 2025 (Q3) is 0.56.

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