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Sep 30, 2025
Amerisafe Q3 2025 Earnings Report
Amerisafe reported its third quarter 2025 earnings, showing growth in gross premiums written and net premiums earned, alongside a decrease in net income and EPS compared to the prior year.
Key Takeaways
AMERISAFE, Inc. delivered its sixth consecutive quarter of growth in both gross premiums written and net premiums earned, with voluntary premiums on policies written increasing by 10.6%. However, the company experienced a decrease in net income and earnings per share compared to the third quarter of 2024.
Gross premiums written increased by 7.2% to $80.3 million.
Net premiums earned grew by 6.2% to $71.2 million.
Net income decreased by 3.5% to $13.8 million.
Diluted EPS was $0.72, a 4.0% decrease from $0.75 in the prior year.
Forward Guidance
The company's forward-looking statements emphasize continued focus on strengthening its team, advancing technology, and maintaining underwriting discipline to support sustained performance and long-term shareholder value. The Board of Directors declared a special cash dividend of $1.00 per share and a regular cash dividend of $0.39 per share.
Positive Outlook
- Commitment to strengthening the team and advancing technology.
- Maintaining underwriting discipline for sustained performance.
- Focus on long-term shareholder value.
- Declaration of a special cash dividend of $1.00 per share.
- Declaration of a regular cash dividend of $0.39 per share.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- Potential for actual results to differ materially from forward-looking statements due to changing assumptions or unforeseen risks.
- Market conditions and regulatory considerations may impact future share repurchases.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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