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American Coastal Insurance
American Coastal Insurance (ACIC) investor relations material
American Coastal Insurance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Feb, 2026
Executive summary
Achieved strong Q4 and full-year 2025 results, with net income of $106.8 million and Q4 net income of $26.6 million, both exceeding guidance.
Core income for Q4 2025 was $25.8 million, up 330% year-over-year, driven by lower catastrophe losses and improved underwriting.
Revenue grew 13.1% year-over-year, supported by solid underwriting and improved combined ratios.
Book value per share increased 33.2% to $6.51, including a $0.75 per share special dividend in Q4.
Strategic transformation, disciplined underwriting, and expansion into E&S markets contributed to outperformance versus peers.
Financial highlights
Q4 2025 net income was $26.6 million, with EPS of $0.53; full-year net income reached $106.8 million, with EPS of $2.15.
Net premiums earned for FY 2025 were $306.9 million, up 12% year-over-year.
Combined ratio was 58.6% for Q4 and 60.1% for the year; underlying combined ratio was 61.5%, below the 65% target.
Revenues for 2025 increased $38.8 million (13.1%) year-over-year, driven by quota share step-downs.
Book value per share at year-end was $6.51, up 33% from the prior year.
Outlook and guidance
Premium production expected to remain challenging due to a softer commercial property insurance market, with average premiums down 13% in December.
E&S market expansion and new revenue pathways are being pursued for long-term growth, not immediate scale.
Revenue guidance for 2026 remains solid despite volatility in written premiums.
ACES (new E&S entity) expected to contribute 5% or less of 2026 revenue, with larger impact anticipated from 2027 onward.
Successfully renewed catastrophe reinsurance programs for 2026 with lower risk-adjusted rates and a broader reinsurer panel.
Assess impact of reinsurance strategy shift
What drove the decline in gross written premiums?
Analyze underlying combined ratio increase drivers
ACES combined ratio target vs. Florida book
Share repurchase vs. special dividend priority?
Reinsurance cost reduction vs. falling rates
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Next American Coastal Insurance earnings date
Q1 20267 May, 2026
American Coastal Insurance
Next American Coastal Insurance earnings date
Q1 20267 May, 2026
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Frequently asked questions
American Coastal Insurance Corporation (ACIC) is a property and casualty insurance holding company, focusing on the underwriting of commercial residential property and casualty insurance policies in the United States. Founded in 2007, ACIC operates through its wholly owned insurance subsidiary, American Coastal Insurance Company (AmCoastal). It stands out as one of the largest voluntary market writer of Commercial Residential Properties in the state of Florida, demonstrating a significant presence in the industry. ACIC's operations extend to sourcing, writing, and servicing residential personal and commercial property and casualty insurance policies across the nation. The company is headquartered in St. Petersburg, Florida, USA, and its shares are listed on the Nasdaq under the ticker symbol ACIC.
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