The earnings call presented a positive outlook with significant revenue and earnings growth, improved financial metrics, and a credit rating upgrade. However, there were challenges related to increased operating costs and limited growth potential in the upcoming quarter.

Company Guidance -

Q3 2025

During the second quarter earnings call, American Coastal Insurance Corporation reported significant financial growth and favorable market conditions. The company achieved a 26% year-over-year revenue increase, a 51% rise in pretax earnings, and a core return on equity of approximately 42%. Total insured value grew by 18% to $69.8 billion as of June 30, while policies in-force increased by about 10% since year-end. The company also completed its core catastrophe reinsurance program renewal, resulting in a 12.4% decrease in risk-adjusted costs. Net income for the quarter was $26.4 million, with core income reaching $26.8 million, driven by a $15.1 million increase in net premiums earned. Operating costs rose by $6.2 million, primarily due to a 74.8% increase in policy acquisition costs, which were partly offset by a 34.5% decrease in general and administrative expenses. The combined ratio decreased to 60.6%, below the target of 65%, and the non-GAAP underlying combined ratio was 62.2%. Cash and investments grew by 34.3% to $726.2 million, and stockholders' equity increased by 24% to $292.3 million, with book value per share rising by 22.7% to $6. The company also announced a BBB minus rating upgrade by the Kroll Bond Rating Agency, reflecting a positive outlook and a reduction in the interest rate on senior notes by 100 basis points.

Significant Revenue and Earnings Growth

American Coastal Insurance Corporation reported a 26% year-over-year increase in revenue and a 51% year-over-year increase in pretax earnings, with a core return on equity of approximately 42%.

Improved Financial Metrics

Net income reached $26.4 million, with core income increasing by $7.2 million year-over-year. The company's combined ratio decreased to 60.6%, below the stated target of 65%.

Stockholder Equity and Liquidity Enhancements

Stockholders' equity increased 24% since year-end to $292.3 million, with cash and investments growing 34.3% since year-end to $726.2 million, reflecting a strong liquidity position.

Credit Rating Upgrade

Kroll Bond Rating Agency upgraded American Coastal Insurance Corporation to BBB minus, improving the outlook from Stable to Positive and reducing the interest rate on senior notes by 100 basis points.

American Coastal Insurance (ACIC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

ACIC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 06, 2025	2025 (Q3)	-0.05 / -	0.54	―	―	―
Aug 06, 2025	2025 (Q2)	0.38 / 0.54	0.4	35.00% (+0.14)
May 08, 2025	2025 (Q1)	0.40 / 0.42	0.5	-16.00% (-0.08)
Feb 27, 2025	2024 (Q4)	0.16 / 0.12	0.39	-69.23% (-0.27)
Nov 06, 2024	2024 (Q3)	0.35 / 0.54	0.34	58.82% (+0.20)
Aug 07, 2024	2024 (Q2)	0.30 / 0.40	0.65	-38.46% (-0.25)
May 09, 2024	2024 (Q1)	0.25 / 0.50	0.71	-29.58% (-0.21)
Feb 29, 2024	2023 (Q4)	0.21 / 0.39	-6.33	106.16% (+6.72)
Nov 13, 2023	2023 (Q3)	- / 0.34	-1.34	125.37% (+1.68)
Aug 10, 2023	2023 (Q2)	- / 0.65	-1.49	143.62% (+2.14)

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
Aug 06, 2025	$10.18	$10.71	+5.21%
May 08, 2025	$11.92	$11.16	-6.38%
Feb 27, 2025	$12.69	$12.14	-4.33%
Nov 06, 2024	$12.80	$12.17	-4.92%

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 Corporation (ACIC) report earnings?

American Coastal Insurance Corporation (ACIC) is schdueled to report earning on Nov 06, 2025, After Close (Confirmed).

What is American Coastal Insurance Corporation (ACIC) earnings time?

American Coastal Insurance Corporation (ACIC) earnings time is at Nov 06, 2025, 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 2025 (Q3) is -0.05.

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