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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 all income from continuing operations and strong underwriting results; core income was $30.5 million, up 13.1% year-over-year.
Book value per share increased to $6.71 at September 30, 2025, up 37.2% year-over-year, driven by higher retained earnings.
Total revenues increased over 10% year-over-year, supported by higher net premiums earned and lower catastrophe losses.
Policies in force increased 8.6% year-over-year, reflecting organic growth in Florida.
Sale of Interboro Insurance Company completed in April 2025, with results now reported as discontinued operations.
Financial highlights
Net income for Q3 2025 was $32.5 million, up 15.5% year-over-year; year-to-date net income reached $80.3 million, up 13.4%.
Net premiums earned increased 8.5% to $80.8 million; total revenue up 10.1% to $90.4 million.
Gross premiums written for Q3 2025 were $71.8 million, down 22.8% year-over-year; gross premiums earned increased 1.6% to $162.8 million.
Cash and investments grew 28.5% since year-end to $695 million.
Book value per share rose to $6.71, above analyst expectations.
Outlook and guidance
Management expects a rebound in premiums written in Q4 2025 and positive momentum into 2026, with forward-looking projections to be updated at the next investor day.
New commercial residential property insurance program targeting assisted and independent living facilities launched, with initial market size estimated at $100 million.
No material impact anticipated from recent tax legislation; ongoing evaluation of regulatory and market changes.
How does Q3 slowdown affect future growth?
ALF market: What makes it attractive?
Reinsurance pricing: What are the trends?
How softening market impacts 2026 growth outlook
ALF market's diversification impact on risk portfolio
Reinsurance renewal pricing expectations for 2026
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Next American Coastal Insurance earnings date
Q4 202527 Feb, 2026
Next American Coastal Insurance earnings date
Q4 202527 Feb, 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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