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Side-by-side financial comparison of AMERISAFE INC (AMSF) and Loar Holdings Inc. (LOAR). Click either name above to swap in a different company.
Loar Holdings Inc. is the larger business by last-quarter revenue ($131.8M vs $80.1M, roughly 1.6× AMERISAFE INC). AMERISAFE INC runs the higher net margin — 10.2% vs 9.5%, a 0.7% gap on every dollar of revenue. On growth, Loar Holdings Inc. posted the faster year-over-year revenue change (19.3% vs 10.3%). Over the past eight quarters, Loar Holdings Inc.'s revenue compounded faster (19.8% CAGR vs 2.8%).
AMERISAFE Inc. is a specialty insurance provider that focuses exclusively on workers' compensation coverage for small and mid-sized businesses in high-hazard industries including construction, logging, trucking, and manufacturing. It operates across 49 U.S. states, offering tailored insurance policies paired with targeted risk management support for clients.
AMSF vs LOAR — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $80.1M | $131.8M |
| Net Profit | $8.1M | $12.5M |
| Gross Margin | — | 52.1% |
| Operating Margin | — | 18.0% |
| Net Margin | 10.2% | 9.5% |
| Revenue YoY | 10.3% | 19.3% |
| Net Profit YoY | -9.0% | 239.5% |
| EPS (diluted) | $0.43 | $0.13 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $80.1M | — | ||
| Q4 25 | $81.6M | $131.8M | ||
| Q3 25 | $82.0M | $126.8M | ||
| Q2 25 | $81.1M | $123.1M | ||
| Q1 25 | $72.6M | $114.7M | ||
| Q4 24 | $74.0M | $110.4M | ||
| Q3 24 | $78.7M | $103.5M | ||
| Q2 24 | $75.8M | $97.0M |
| Q1 26 | $8.1M | — | ||
| Q4 25 | $10.4M | $12.5M | ||
| Q3 25 | $13.8M | $27.6M | ||
| Q2 25 | $14.0M | $16.7M | ||
| Q1 25 | $8.9M | $15.3M | ||
| Q4 24 | $13.2M | $3.7M | ||
| Q3 24 | $14.3M | $8.7M | ||
| Q2 24 | $11.0M | $7.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | 52.1% | ||
| Q3 25 | — | 52.7% | ||
| Q2 25 | — | 53.8% | ||
| Q1 25 | — | 52.1% | ||
| Q4 24 | — | 48.9% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 49.0% |
| Q1 26 | — | — | ||
| Q4 25 | 15.6% | 18.0% | ||
| Q3 25 | 21.3% | 22.9% | ||
| Q2 25 | 21.5% | 22.2% | ||
| Q1 25 | 15.5% | 22.8% | ||
| Q4 24 | 22.7% | 19.2% | ||
| Q3 24 | 22.6% | 22.1% | ||
| Q2 24 | 18.1% | 22.9% |
| Q1 26 | 10.2% | — | ||
| Q4 25 | 12.8% | 9.5% | ||
| Q3 25 | 16.9% | 21.8% | ||
| Q2 25 | 17.2% | 13.6% | ||
| Q1 25 | 12.3% | 13.4% | ||
| Q4 24 | 17.8% | 3.3% | ||
| Q3 24 | 18.2% | 8.4% | ||
| Q2 24 | 14.5% | 7.9% |
| Q1 26 | $0.43 | — | ||
| Q4 25 | $0.55 | $0.13 | ||
| Q3 25 | $0.72 | $0.29 | ||
| Q2 25 | $0.73 | $0.17 | ||
| Q1 25 | $0.47 | $0.16 | ||
| Q4 24 | $0.69 | $-11023.48 | ||
| Q3 24 | $0.75 | $0.09 | ||
| Q2 24 | $0.57 | $0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $34.2M | $84.8M |
| Total DebtLower is stronger | — | $715.7M |
| Stockholders' EquityBook value | $246.6M | $1.2B |
| Total Assets | — | $2.0B |
| Debt / EquityLower = less leverage | — | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $34.2M | — | ||
| Q4 25 | $61.9M | $84.8M | ||
| Q3 25 | $54.7M | $99.0M | ||
| Q2 25 | $48.5M | $103.3M | ||
| Q1 25 | $44.8M | $80.5M | ||
| Q4 24 | $44.1M | $54.1M | ||
| Q3 24 | $63.7M | $55.2M | ||
| Q2 24 | $30.6M | $73.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | $715.7M | ||
| Q3 25 | — | $279.4M | ||
| Q2 25 | — | $277.7M | ||
| Q1 25 | — | $277.5M | ||
| Q4 24 | — | $277.3M | ||
| Q3 24 | — | $602.1M | ||
| Q2 24 | — | $250.7M |
| Q1 26 | $246.6M | — | ||
| Q4 25 | $251.6M | $1.2B | ||
| Q3 25 | $274.8M | $1.2B | ||
| Q2 25 | $265.6M | $1.1B | ||
| Q1 25 | $260.8M | $1.1B | ||
| Q4 24 | $257.3M | $1.1B | ||
| Q3 24 | $314.4M | $769.8M | ||
| Q2 24 | $301.0M | $758.4M |
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $2.0B | ||
| Q3 25 | $1.2B | $1.5B | ||
| Q2 25 | $1.2B | $1.5B | ||
| Q1 25 | $1.2B | $1.5B | ||
| Q4 24 | $1.2B | $1.5B | ||
| Q3 24 | $1.3B | $1.5B | ||
| Q2 24 | $1.2B | $1.1B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.24× | ||
| Q2 25 | — | 0.25× | ||
| Q1 25 | — | 0.25× | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | 0.78× | ||
| Q2 24 | — | 0.33× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $30.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 2.43× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $11.1M | $30.4M | ||
| Q3 25 | $10.7M | $29.7M | ||
| Q2 25 | $-8.4M | $23.8M | ||
| Q1 25 | $-1.8M | $28.4M | ||
| Q4 24 | $24.2M | $20.7M | ||
| Q3 24 | $8.4M | $16.3M | ||
| Q2 24 | $-2.6M | $7.1M |
| Q1 26 | — | — | ||
| Q4 25 | $8.9M | — | ||
| Q3 25 | $9.8M | — | ||
| Q2 25 | $-9.5M | — | ||
| Q1 25 | $-1.8M | — | ||
| Q4 24 | $23.4M | — | ||
| Q3 24 | $8.4M | — | ||
| Q2 24 | $-2.6M | — |
| Q1 26 | — | — | ||
| Q4 25 | 10.9% | — | ||
| Q3 25 | 11.9% | — | ||
| Q2 25 | -11.7% | — | ||
| Q1 25 | -2.5% | — | ||
| Q4 24 | 31.5% | — | ||
| Q3 24 | 10.7% | — | ||
| Q2 24 | -3.5% | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.6% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 1.3% | — | ||
| Q1 25 | 0.0% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.1% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.06× | 2.43× | ||
| Q3 25 | 0.77× | 1.08× | ||
| Q2 25 | -0.61× | 1.42× | ||
| Q1 25 | -0.20× | 1.85× | ||
| Q4 24 | 1.83× | 5.62× | ||
| Q3 24 | 0.59× | 1.89× | ||
| Q2 24 | -0.24× | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AMSF
Segment breakdown not available.
LOAR
| Other | $76.8M | 58% |
| Commercial Aerospace | $21.2M | 16% |
| Business Jet And General Aviation | $17.6M | 13% |
| Defense | $16.2M | 12% |
