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Amerisafe cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$2.8M in Q3 2026 · $12.3M over twelve months

Operating cash flow$2.8M
Capital spending−$39K
Free cash flow+$2.8M
Cash / net income0.4×

Analysis

In Q3 2026, Amerisafe generated $2.8M of operating cash flow and spent $39K on capital projects, leaving free cash flow of $2.8M. That is $7.0M less than in Q3 2025 ($9.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $12.6M; the largest uses were dividends ($49.2M), other financing ($17.8M), taxes on employees’ shares ($770K); besides operations, cash came from other investing ($40.5M); the cash balance fell by $15.1M.

Operating cash flow was $2.8M against net income of $7.2M — 0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: stock-based pay +$834K, deferred taxes +$746K, prepaid and other assets +$677K.

Free cash flow

Amerisafe: free cash flow by quarterAmerisafe: free cash flow by quarter$10.8MQ4 2024−$1.8MQ1 2025−$9.5MQ2 2025$9.8MQ3 2025$10.4MQ4 2025−$2.7MQ1 2026$1.8MQ2 2026$2.8MQ3 2026
Operating cash flow less capital spending.
Amerisafe: operating cash flow against capital spendingAmerisafe: operating cash flow against capital spendingOperating cash flowCapital spending$10.8M$14KQ4 2024−$1.8M$2KQ1 2025−$8.4M$1.1MQ2 2025$10.7M$891KQ3 2025$10.6M$173KQ4 2025−$2.7M$26KQ1 2026$1.8M$3KQ2 2026$2.8M$39KQ3 2026
Latest (Q3 2026): Operating cash flow $2.8M, Capital spending $39K.

Capital allocation, year by year

Amerisafe: where the cash came from (up) and went (down), by fiscal yearAmerisafe: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $38.0MFY2021: Net borrowing −$44KFY2021: Asset sales $23KFY2021: Capital spending −$1.3MFY2021: Dividends −$99.9M$38.0MFY2021FY2022: Operating cash flow $28.2MFY2022: Net borrowing −$58KFY2022: Capital spending −$2.1MFY2022: Buybacks −$12.4MFY2022: Dividends −$100M$28.2MFY2022FY2023: Operating cash flow $29.8MFY2023: Net borrowing −$91KFY2023: Capital spending −$553KFY2023: Buybacks −$2.2MFY2023: Dividends −$93.3M$29.8MFY2023FY2024: Operating cash flow $24.2MFY2024: Net borrowing −$85KFY2024: Capital spending −$840KFY2024: Dividends −$85.4M$24.2MFY2024FY2025: Operating cash flow $11.1MFY2025: Net borrowing −$85KFY2025: Capital spending −$2.1MFY2025: Dividends −$48.6M$11.1MFY2025
Over these 5 years operating cash flow totalled $131M; the largest uses were dividends ($428M) and buybacks ($14.6M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$39.7M
Debtnone
Net cash$39.7M

Amerisafe funds itself: free cash flow was $12.3M over the last twelve months, with $39.7M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Amerisafe: sources (+) and uses (−) of cash, Q3 2026Amerisafe: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$25.8MOther investing−$20.7MDividends−$7.7MOperating cash flow$2.8MOther financing−$164KTaxes on employees’ shares−$54KCapital spending−$39KNet borrowing (+) / repaid (−)−$20K
Amerisafe: sources (+) and uses (−) of cash, TTM to Q3 2026Amerisafe: sources (+) and uses (−) of cash, TTM to Q3 2026Dividends−$49.2MOther investing$40.5MOther financing−$17.8MCash drawn (+) / kept (−)$15.1MOperating cash flow$12.6MTaxes on employees’ shares−$770KCapital spending−$241KNet borrowing (+) / repaid (−)−$82K

From profit to cash

Amerisafe: net income to operating cash flow, Q3 2026Amerisafe: net income to operating cash flow, Q3 2026Net income$7.2MDepreciation & amortization$177KStock-based pay$834KDeferred taxes$746KPayables$71KPrepaid and other assets$677KIncome taxes payable−$640KOperating cash flow$2.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$2.8M−$39K−$7.7M−$20K$25.8M$2.8M
Q2 2026$1.8M−$3K−$7.6M−$19K−$31.2M$1.8M
Q1 2026−$2.7M−$26K−$7.8M−$21K$27.7M−$2.7M
Q4 2025$10.6M−$173K−$26.2M−$22K−$7.2M$10.4M
Q3 2025$10.7M−$891K−$7.5M−$21K−$6.3M$9.8M
Q2 2025−$8.4M−$1.1M−$7.5M−$21K−$3.7M−$9.5M
Q1 2025−$1.8M−$2K−$7.4M−$21K−$708K−$1.8M
Q4 2024$10.8M−$14K−$64.2M−$21K$19.6M$10.8M

Amerisafe: income statement and cash flow

Amerisafe, Q3 2026: revenue $79.8M (-3% year over year), operating margin 11.3%. The chart follows the revenue to costs, profit and cash.

Amerisafe: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.