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American Coastal Insurance (ACIC)
NASDAQ:ACIC
Earnings Data
Report Date
May 07, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.44Last Year’s EPS
0.42Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong underwriting performance, profitability above guidance, materially improved liquidity and book value, and strategic initiatives (E&S expansion and partnerships). These positives were tempered by a 19% year-over-year decline in premiums written driven by a softer, more competitive market and falling rates, some increases in operating costs, and execution/timing risks related to ACES and future reinsurance dynamics. Management stressed discipline, capital-return flexibility, and plans to deleverage, while acknowledging potential margin pressure if cost reductions do not keep pace with rate declines.Company Guidance
Full-Year Profit Above Guidance
Net income for fiscal 2025 was $106.8 million, exceeding the company's guidance range of $70 million to $90 million. Core income for the year was $103.7 million (up $26.8 million year-over-year).
Strong Quarterly and Core Earnings
Fourth-quarter net income was $26.6 million and core income was $25.8 million, driven by a $20.5 million decrease in incurred losses versus the comparable quarter (absence of Hurricane Milton impact).
Low Combined Ratios and Improved Underlying Loss Metrics
Quarter combined ratio was 58.6%; full-year combined ratio was 60.1%. Non-GAAP underlying combined ratio (ex-current year catastrophes and prior-year development) was 58.9% for the quarter (improved 7 points year-over-year) and 61.5% for the full year (below the 65% target).
Revenue and Premiums Earned Growth
Total revenues for the full year increased $38.8 million, or 13.1% year-over-year. Net premiums earned for the full year were $306.8 million, above the midpoint of prior guidance ($290M–$320M).
Quarter-over-Quarter Premium Rebound
Premiums written rebounded approximately 59% compared to the third quarter of 2025, demonstrating recovery after intentional slowdown for exposure management.
Stronger Liquidity and Equity Position
Cash and investments grew 19.8% in 2025 to $647.7 million. Stockholders' equity increased 34.8% to $317.6 million, and book value per share rose to $6.51 (up 33.2% from year-end 2024).
Capital Returns to Shareholders
Company returned over $60 million to shareholders through special dividends over the last two years; a special dividend of $0.75 per share ($36.6 million) was declared in Q4 2025.
Strategic E&S Expansion and Partnerships
Launched initiatives into the E&S market (ACES formation pending regulatory approval and expanded AmRisc partnership). AmRisc arrangement expected to produce roughly $100 million of full-year premiums initially; ACES planned to be a smaller contributor in 2026 (<5% of revenue guidance) with growth potential thereafter.
ACIC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ACIC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 19, 2026 | $11.13 | $10.89 | -2.16% |
Nov 05, 2025 | $11.66 | $11.47 | -1.69% |
Aug 06, 2025 | $9.57 | $10.07 | +5.21% |
May 08, 2025 | $11.21 | $10.50 | -6.38% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does American Coastal Insurance (ACIC) report earnings?
American Coastal Insurance (ACIC) is schdueled to report earning on May 07, 2026, After Close (Confirmed).
What is American Coastal Insurance (ACIC) earnings time?
American Coastal Insurance (ACIC) earnings time is at May 07, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ACIC EPS forecast?
ACIC EPS forecast for the fiscal quarter 2026 (Q1) is 0.44.