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Mar 31, 2025
Amerisafe Q1 2025 Earnings Report
Reported financial results for the first quarter ended March 31, 2025
Key Takeaways
AMERISAFE reported continued top-line growth in the first quarter of 2025, driven by new business gains and strong premium retention. However, net income and EPS saw significant declines compared to the prior year.
Net income decreased significantly from $16.9 million in Q1 2024 to $8.9 million in Q1 2025.
EPS also saw a substantial drop, from $0.88 in Q1 2024 to $0.47 in Q1 2025.
The combined ratio increased to 89.1% in Q1 2025 compared to 87.3% in Q1 2024.
Return on average equity decreased to 13.8% in Q1 2025 from 22.8% in the prior year period.
Forward Guidance
The company sees continued opportunity in targeted high-hazard markets to generate profitable growth and deliver industry leading returns, supported by a strong balance sheet.
Positive Outlook
- Continued opportunity in targeted high-hazard markets.
- Ability to generate profitable growth.
- Potential to deliver industry leading returns.
- Strong balance sheet.
- Focus on protecting small to mid-sized businesses.
Challenges Ahead
- None explicitly mentioned in the forward-looking statements section.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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