American Coastal Insurance Corporation · NASDAQ:ACIC
American Coastal Insurance — Q3 2025 Earnings Presentation
11 slides from American Coastal Insurance's earnings presentation, Nov 5, 2025
Slide 1: Earnings Presentation 3rd Quarter 2025
Earnings Presentation 3rd Quarter 2025 November 5th, 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 September 30, 2025 holding company for American Coastal Insurance Company (AmCoastal), a Florida domiciled P&C carrier, a
Slide 3: Executive Summary
Executive Summary • 3Q-25 Results • Non-GAAP Core Income of $30.5m ($0.61) increased $3.6m (+13.1%) from $26.9m ($0.54) y/y due to increased revenue from quota share reduction from 20% to 15% as of June 1, 2025, and decreased losses incurred, partially offset by increased operating expenses y/y. • N
Slide 4: 3Q-25 Financial Scorecard
3Q-25 Financial Scorecard The Company is proud to report strong results for the third quarter. Core Earnings per Share (CEPS) Combined Ratio (CR) 3Q-25 = $0.61 3Q-25 = 56.9% vs. vs. Analyst’s Est. = $0.39 Analyst’s Est. = 70.9% Book Value per Share (BVPS) Core Return on Equity (CROE) 3Q-25 = $6.71 3
Slide 5: 3Q-25 & 9M-25 Summary of Key Results
3Q-25 & 9M-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: 3Q-25 Operating Overview
3Q-25 Operating Overview Net Income increased y/y as the impacts of quota share reductions & new business premiums are earned. New business growth earning through our book of business, combined with lower reinsurance costs, impacted our net earned premiums positively. This was partially offset by in
Slide 7: YTD 9.30.25 Operating Overview
YTD 9.30.25 Operating Overview Net Income increased y/y as we grow revenues with new business and reductions in ceded premium. New business growth, combined with lower reinsurance costs, impacted our net earned premiums positively. This was partially offset by increased operating expense, but create
Slide 8: Balance Sheet Highlights
Balance Sheet Highlights Liquidity and Book Value surged in 2025 due to strong underwriting results. 8
Slide 9: Investment Portfolio Overview
Investment Portfolio Overview • The Company’s cash position remains strong as we take advantage • The Company’s high quality fixed income investments of high cash yields and keep a conservative portfolio. provide steady investment income with minimal risk. 9
Slide 10: Launched New Program - Assisted Living Centers
Launched New Program - Assisted Living Centers Assisted & Independent Living Facilities represent a logical, risk-aligned extension of our appetite and offer significant market opportunity with proven distribution support. • According to the Florida Agency for Health Care Administration (AHCA), ther
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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