American Coastal Insurance Corporation · NASDAQ:ACIC
American Coastal Insurance — Q4 2025 Earnings Presentation
13 slides from American Coastal Insurance's earnings presentation, Feb 19, 2026
Slide 1: Earnings Presentation 4th Quarter 2025
Earnings Presentation 4th Quarter 2025 February 19, 2026
Slide 2: Company Overview
Company Overview ACIC is a specialty underwriter of catastrophe exposed commercial property insurance. American Coastal Insurance Corp. (Nasdaq: ACIC) is the insurance ACIC as of December 31, 2025 holding company for American Coastal Insurance Company (AmCoastal), a Florida domiciled P&C carrier, an
Slide 3: Executive Summary
Executive Summary • 4Q-25 Results • Non-GAAP Core Income of $25.8m ($0.52) increased $19.8m (+330.0%) from $6.0m ($0.12) y/y due to decreased losses incurred y/y as Hurricane Milton made landfall in Q4 2024 resulting in a full $20.5M retention. • Net premiums earned grew $5.8m (+7.9%) to $79.3m y/y.
Slide 4: 4Q-25 Financial Scorecard
4Q-25 Financial Scorecard The Company is proud to report another strong quarter. Core Earnings per Share (CEPS) Combined Ratio (CR) 4Q-25 = $0.52 4Q-25 = 58.6% vs. vs. Analysts’ Avg Est. = $0.41 Analysts’ Avg Est. = 70.3% Book Value per Share (BVPS) Core Return on Equity (CROE) 4Q-25 = $6.51 4Q-25 =
Slide 5: 4Q-25 & FY25 Summary of Key Results
4Q-25 & FY25 Summary of Key Results Our combined and underlying combined ratios improved y/y despite the softening market environment. 5
Slide 6: 4Q-25 Operating Overview
4Q-25 Operating Overview Revenues grew year over year as the impact of quota share reductions continues to be earned. Lower reinsurance costs impacted our net earned premiums positively, and operating costs remain relatively flat, driving additional earnings y/y. Underlying losses remain stable y/y,
Slide 7: FY 2025 Operating Overview
FY 2025 Operating Overview The Company is proud to report another strong year, with double digit revenue growth. New business growth, combined with lower reinsurance costs and reduced quota share coverage, drove double digit revenue growth y/y. This was partially offset by operating expense, which i
Slide 8: Balance Sheet Highlights
Balance Sheet Highlights Liquidity and Book Value surged in 2025 due to strong underwriting results and inclusive of a $0.75 special dividend. 8
Slide 9: Liquidity and Book Value Trends
Liquidity and Book Value Trends The Company continues to build its liquidity position and book value through earnings. 3-YR CAGR – 20.2% 3-YR CAGR – 50.0% *2024 - $0.50 special dividend declared *2025 - $0.75 special dividend declared 9
Slide 10: Investment Portfolio Overview
Investment Portfolio Overview • The Company continues to keep significant cash on hand as yields • The Company’s high quality fixed income investments remain strong and invest funds as the Company’s risk appetite provide steady investment income with minimal risk. dictates. 10
Slide 11: 1/1/26 AOP CAT Renewal Structure & Highlights
1/1/26 AOP CAT Renewal Structure & Highlights 11
Slide 12: 1/1/26 CAT Aggregate: Structure & Highlights
1/1/26 CAT Aggregate: Structure & Highlights 12
Slide 13: Cautionary Statements
Cautionary Statements This presentation and the accompanying remarks contain "forward-looking statements" within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. These forward looking statements include expectations regarding our diversification, growth opportunities, retent
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