AMERISAFE, Inc. (AMSF) Earnings History
Earnings Pressure31 years of earnings data (1995–2025) · 5-year EPS trend is negative
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AMERISAFE, Inc. (AMSF) Earnings Overview
As of June 22, 2026, AMERISAFE, Inc. (AMSF) reported trailing twelve-month net income of $46M, reflecting -14.5% year-over-year growth. The company earned $2.46 per diluted share over the past four quarters, with a net profit margin of 14.9%.
Looking at the long-term picture, AMSF's 5-year EPS compound annual growth rate (CAGR) stands at -11.2%, signaling declining earnings. The company achieved its highest annual net income of $93M in fiscal 2019.
AMERISAFE, Inc. maintains positive profitability with a gross margin of 46.4%, operating margin of 18.6%, and net margin of 14.9%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including KNTK ($228M net income, 10.1% margin), EIG ($8M net income, 1.3% margin), ACGL ($4.40B net income, 22.1% margin), AMSF has outperformed on profitability metrics. Compare AMSF vs KNTK →
AMSF Earnings vs Peers
Earnings metrics vs comparable public companies
AMSF Historical Earnings Data (1995–2025)
24 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $47M | -15.0% | $59M | $2.47 | 14.9% | 18.6% |
| 2024 | $55M | -10.7% | $69M | $2.89 | 17.9% | 22.3% |
| 2023 | $62M | +11.7% | $77M | $3.23 | 20.2% | 25.2% |
| 2022 | $56M | -15.4% | $68M | $2.88 | 18.9% | 23.0% |
| 2021 | $66M | -24.1% | $79M | $3.39 | 20.8% | 25.1% |
| 2020 | $87M | -6.6% | $107M | $4.47 | 25.5% | 31.5% |
| 2019 | $93M | +29.4% | $116M | $4.80 | 25.0% | 31.2% |
| 2018 | $72M | +54.9% | $88M | $3.71 | 19.0% | 23.2% |
| 2017 | $46M | -40.6% | $82M | $2.40 | 12.3% | 21.9% |
| 2016 | $78M | +10.5% | $113M | $4.05 | 19.6% | 28.4% |
| 2015 | $70M | +31.3% | $101M | $3.69 | 17.5% | 25.1% |
| 2014 | $54M | +23.0% | $74M | $2.84 | 13.3% | 18.3% |
| 2013 | $44M | +48.7% | $59M | $2.32 | 12.2% | 16.6% |
| 2012 | $29M | +21.4% | $37M | $1.58 | 9.1% | 11.6% |
| 2011 | $24M | -30.0% | $27M | $1.29 | 8.6% | 9.7% |
| 2010 | $35M | -25.7% | $44M | $1.81 | 13.9% | 17.8% |
| 2009 | $46M | +5.9% | $62M | $2.22 | 16.5% | 22.1% |
| 2008 | $44M | -12.7% | $84M | $2.15 | 14.5% | 27.7% |
| 2007 | $50M | +34.4% | $71M | $2.47 | 14.8% | 21.0% |
| 2006 | $37M | +530.0% | $52M | $1.88 | 11.2% | 15.8% |
| 2005 | $6M | -43.8% | $6M | $-1.25 | 2.1% | 2.2% |
| 2004 | $11M | +22.8% | $14M | $2.14 | 4.2% | 5.5% |
| 2003 | $9M | -7.6% | $11M | $-8.55 | 4.5% | 6.0% |
| 1995 | $9M | - | $37M | $0.42 | 16.0% | 63.7% |
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Intrinsic Valuation
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AMSF — Frequently Asked Questions
Quick answers to the most common questions about buying AMSF stock.
What is AMSF earnings per share (EPS)?
AMSF trailing twelve-month (TTM) diluted EPS is $2.46, reflecting -14.5% year-over-year growth. The 5-year EPS CAGR is -11.2%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is AMERISAFE, Inc.'s net income?
AMERISAFE, Inc. (AMSF) trailing twelve-month net income is $46M as of 2025. Earnings declined -14.5% year-over-year. AMERISAFE, Inc. has been profitable for 24 consecutive years.
Is AMSF profitable?
Yes, AMSF is profitable with a TTM net income of $46M and a net profit margin of +14.9%. AMERISAFE, Inc. has generated profits for 24 consecutive years.
What is AMSF's earnings growth rate?
AMSF compound annual EPS growth rates (CAGR): 1-Year: -14.5%, 3-Year: -5.0%, 5-Year: -11.2%, 10-Year: -3.9%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are AMSF's profit margins?
AMERISAFE, Inc. net profit margin is +14.9%, operating margin is +18.6%, and gross margin is +46.4%. Margins are within a typical range for the sector. Return on Equity is +18.5%.
Is AMSF growing earnings?
AMSF earnings are declining — EPS fell -14.5% year-over-year. TTM net income dropped to $46M. This contrasts with the 5-year CAGR of -11.2%.
What was AMSF's best earnings year?
AMERISAFE, Inc.'s highest annual net income on record is $93M, achieved in fiscal year 2019. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were AMSF's earnings last quarter?
AMSF's most recent reported quarter was Q1 2026. Net income was $8M with diluted EPS of $0.43. For a full breakdown of all quarters, see the quarterly earnings table on this page.