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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
American Coastal Insurance
American Coastal Insurance (ACIC) investor relations material
American Coastal Insurance Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Q3 net income was $19.4M, or $0.40 per diluted share, versus $32.5M and $0.65 a year earlier; lower net premiums earned drove the decline.
Gross premiums written rose 3.2% YoY to $74.1M, returning to growth despite net pricing down 25.6%.
Underlying combined ratio was 68.4%; core ROE was 24.1%, with book value per share of $7.52, up 15.5% from year-end 2025.
Financial highlights
Q3 total revenue fell 21.8% YoY to $70.7M; net premiums earned decreased 19.0% to $65.5M and gross premiums earned declined 14.9% to $138.5M.
Core income was $20.4M, or $0.42 per diluted share, versus $30.5M and $0.61 a year earlier.
Nine-month revenue was $224.5M, down 9.9%; net income was $60.5M, down 24.6%, and diluted EPS was $1.23 versus $1.61.
Cash, cash equivalents, restricted cash and investments totaled $707.9M at Sept. 30, 2026, up from $647.7M at year-end 2025.
Outlook and guidance
2027 revenue and earnings guidance was considered premature; annual estimates are expected in January after finalization.
Revenue growth in 2027 was considered feasible even with a preliminary modeling assumption of double-digit rate decreases, supported by mix expansion and growth initiatives.
Fee income is expected to grow beginning in 2027; the amount of business written and related plans remain under development.
Policy acquisition cost ratios are expected to rise slightly but remain broadly stable; higher E&S fronting fees are not expected to create a significant earnings-growth headwind.
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Latest events from American Coastal Insurance
- Profitable Florida underwriting and strong catastrophe cover underpin measured E&S growth.ACIC
Investor update - Rising book value, catastrophe protection and E&S expansion define the investment case.ACICInvestor presentation
- Disciplined underwriting, strong returns, and E&S growth drive value and capital returns.ACIC17th Annual Midwest IDEAS Conference
- Net income fell 17% as premiums declined, but book value per share rose over 20%.ACICQ2 2026
- Directors were elected and auditors ratified, with no shareholder questions submitted.ACICAGM 2026
- Net income was $19.3M, combined ratio 66.0%, and a $200M catastrophe bond was issued.ACICQ1 2026
- Virtual meeting to elect directors, ratify auditor, and review strong 2025 results and governance.ACICProxy filing
- Q3 net income surged 166% year-over-year to $28.1M, with strong premium and capital growth.ACICQ3 2024
- Net premiums earned rose 9% while book value per share climbed to $5.40.ACICQ1 2025
Next American Coastal Insurance earnings date
Q4 202619 Feb, 2027
American Coastal Insurance
Next American Coastal Insurance earnings date
Q4 202619 Feb, 2027
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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.