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AMERISAFE (AMSF) investor relations material
AMERISAFE Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved a 20.5% return on average equity and a 90.6% combined ratio for Q3 2025, marking the sixth consecutive quarter of top-line growth, with gross premiums written up 7.2% and voluntary premiums up 10.6% year-over-year.
Net income for Q3 2025 was $13.8 million ($0.72 per diluted share), down from $14.3 million in Q3 2024, reflecting a 3.5% year-over-year decline.
Net premiums earned rose 6.2% year-over-year, with broad-based growth supported by an 11% increase in policy count and strong renewal retention at 93.6%.
Focus remains on high-hazard industries, maintaining underwriting discipline and advancing technology to support long-term shareholder value.
Financial highlights
Gross premiums written were $80.3 million, up 7.2% from Q3 2024; net premiums earned reached $71.2 million.
Net investment income decreased 12.3% to $6.6 million due to lower average investable assets after a special dividend.
Book value per share was $14.47 at September 30, 2025, down from $16.50 a year earlier but up 7.1% year-to-date; statutory surplus reached $259 million.
Underwriting and other expenses totaled $22.1 million, with an expense ratio of 31.1%, down from 31.7% year-over-year.
Net unrealized gains on equity securities were $4.1 million in Q3 2025, up from $3.9 million in Q3 2024.
Outlook and guidance
Management expresses confidence in the durability of the current growth strategy, focusing on organic growth, disciplined underwriting, and technology investments.
Wage growth in Q3 was 6.7%, with a 2% increase in new employee count, indicating a rebound from a slight decline in the previous quarter.
Skilled labor jobs in high hazard industries are performing well, supporting premium growth despite broader economic uncertainties.
No changes to critical accounting policies or business strategy were reported.
Forward-looking statements caution that actual results may differ due to market, operational, and regulatory risks.
How does growth impact future special dividends?
Assess underwriting leverage capacity for growth.
Detail medical utilization trends to watch.
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Frequently asked questions
AMERISAFE Inc is a specialty provider of workers’ compensation insurance focused on high-hazard industries such as construction, manufacturing, and agriculture. The company offers coverage, loss control, and claims services to small and mid-sized employers primarily in the United States. The company is headquartered in DeRidder, Louisiana, and its shares are listed on the NASDAQ.
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