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American Coastal Insurance (ACIC) investor relations material
American Coastal Insurance Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Revenues grew 26% year-over-year in Q2 2025, with net income up 38.8% to $26.4M and core income up 36.4% to $26.8M.
Book value per share increased 22.7% to $6.00 at June 30, 2025, driven by higher retained earnings.
Policies in force grew 10–11% since year end, with total insured value up 18% to $69.8B as of June 30.
The company received a credit rating upgrade to BBB-, reducing senior note interest by 100 bps and saving ~$1.5M annually.
Sale of Interboro Insurance Company closed in April 2025, resulting in a $247K loss on disposal and $1.35M loss on its fixed maturity portfolio.
Financial highlights
Net premiums earned increased 23.8% year-over-year to $78.4M, driven by quota share reductions.
Combined ratio improved to 60.6% from 64.9% year-over-year; underlying combined ratio was 62.2%.
Cash and investments rose 34.3% since year end to $726.2M.
Book value per share increased to $6.00, up 22.7% from December 31, 2024.
Net investment income for Q2 2025 was $5.8M, up from $5.3M in Q2 2024.
Outlook and guidance
Risk appetite for new exposures will be limited in Q3, with growth expected to resume in Q4 if conditions are favorable.
Management expects continued value creation for shareholders, supported by strong competitive positioning and recent credit rating upgrades.
The company is evaluating the impact of the "One Big Beautiful Bill Act" signed July 2025, with most provisions effective 2026.
Skyway Underwriters is on track with 2025 underwriting and production targets for its new Apartment product.
Reinsurance program effective June 1, 2025, offers increased protection and a risk-adjusted cost decrease of 12.4% year-over-year.
Explain the third event cover cascading feature.
How will exposure growth impact the CAT fund?
Assess Skyway Underwriters' market vs core business.
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Next American Coastal Insurance earnings date
Q3 20255 Nov, 2025
Next American Coastal Insurance earnings date
Q3 20255 Nov, 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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