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American Coastal Insurance (ACIC) investor relations material
American Coastal Insurance Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Net income for Q3 2025 rose 15.5% year-over-year to $32.5 million, with core income at $30.5 million, driven by strong underwriting, low catastrophe losses, and prudent exposure management during hurricane season.
Total revenues increased over 10% year-over-year, supported by higher net premiums earned and a reduction in quota share reinsurance.
Book value per share rose to $6.71 at September 30, 2025, up 37.2% from year-end 2024, reflecting higher retained earnings and equity growth.
Launched a new commercial residential property insurance program targeting assisted and independent living facilities in Florida, leveraging market expertise.
Completed the sale of Interboro Insurance Company in April 2025, with results now reported as discontinued operations.
Financial highlights
Net premiums earned increased 8.5% year-over-year to $80.8 million, while gross premiums written fell 22.8% to $71.8 million.
Combined ratio improved to 56.9%, outperforming the 65% target; underlying combined ratio (excluding catastrophe losses and prior year development) was 57.8%.
Return on equity (GAAP) for Q3 2025 was 47.5%; core return on equity was 44.5%.
Cash and investments grew 28.5% since year-end to $695 million; stockholders' equity increased to $327.2 million.
Book value per share increased to $6.71, with underlying book value per share (excluding AOCI) at $6.88.
Outlook and guidance
Management expects premium growth to rebound in Q4 2025 and continue into 2026, with updated full-year guidance to be provided at the next investor day.
The assisted living facility insurance program is seen as a significant growth opportunity, with a $100 million addressable market and potential to capture 10% in year one.
No material impact is anticipated from recent tax legislation; ongoing evaluation of regulatory and market changes continues.
How does Q3 slowdown affect future growth?
ALF market: What makes it attractive?
Reinsurance pricing: What are the trends?
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Next American Coastal Insurance earnings date
Sidoti's Year End Virtual Investor Conference10 Dec, 2025
Next American Coastal Insurance earnings date
Sidoti's Year End Virtual Investor Conference10 Dec, 2025
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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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