American Coastal Insurance Corporation · NASDAQ:ACIC
American Coastal Insurance — Q2 2025 Earnings Presentation
11 slides from American Coastal Insurance's earnings presentation, Aug 6, 2025
Slide 1: Earnings Presentation 2nd Quarter 2025
Earnings Presentation 2nd Quarter 2025 August 6th, 2025
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 June 30, 2025 holding company for American Coastal Insurance Company (AmCoastal), a Florida domiciled P&C carrier, and Sk
Slide 3: Executive Summary
Executive Summary • 2Q-25 Results • Non-GAAP Core Income of $26.8m ($0.54) increased $7.2m (+36.4%) from $19.6m ($0.40) y/y due to quota share reduction from 40% to 20% as of June 1, 2024 and further to 15% as of June 1, 2025 and two employer retention tax credits received in 2025 related to 2021 to
Slide 4: 2Q-25 Financial Scorecard
2Q-25 Financial Scorecard The Company is proud to report strong results for the second quarter. Core Earnings per Share (CEPS) Combined Ratio (CR) 2Q-25 = $0.54 2Q-25 = 60.6% vs. vs. Analyst’s Est. = $0.38 Analyst’s Est. = 71.1% Book Value per Share (BVPS) Core Return on Equity (CROE) 2Q-25 = $6.00
Slide 5: 2Q-25 & 1H-25 Summary of Key Results
2Q-25 & 1H-25 Summary of Key Results Net & Core Income improved y/y driven by lower reinsurance costs. Combined Ratio was below 65.0% target. 5
Slide 6: 2Q-25 Operating Overview
2Q-25 Operating Overview Net Income increased y/y as the impacts of quota share reductions & new business premiums are earned. Our 2024 and 2025 quota share step-downs, combined with new business writings, impacted our net earned premiums positively. This was partially offset by increased operating
Slide 7: Balance Sheet Highlights
Balance Sheet Highlights Liquidity and Book Value surged in 1H-2025 due to strong underwriting results. 7
Slide 8: Investment Portfolio Overview
Investment Portfolio Overview • The Company’s cash position increased as we continue to take • The Company’s high quality fixed income investments advantage of high cash yields and keep a conservative portfolio. have mitigated the impacts of Q2 market volatility. 8
Slide 9: Skyway Underwriters Production Summary 1H-25
Skyway Underwriters Production Summary 1H-25 Apartments are diversifying our exposure in Florida, but we remain disciplined & selective. 9
Slide 10: Core CAT Reinsurance Program effective 6.1.25
Core CAT Reinsurance Program effective 6.1.25 Structure Illustration Core Catastrophe Program Highlights 201YR Occurrence and aggregate limit increased y/y, but exhaustion point 201-year return time decreased slightly due to model changes in both AIR & RMS that increased probable maximum loss (PML
Slide 11: 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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