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Dec 31, 2025
American Coastal Insurance Q4 2025 Earnings Report
American Coastal Insurance reported its financial results for the fourth quarter and year ended December 31, 2025, showing significant increases in net income and earnings per share.
Key Takeaways
American Coastal Insurance Corporation delivered strong financial results for Q4 2025, with net income reaching $26.6 million and diluted EPS at $0.53, significantly outperforming the previous year. The company also reported a substantial increase in its book value per share, driven by decreased losses and LAE, despite a decrease in gross premiums written.
Net income for Q4 2025 was $26.6 million, a significant increase from $4.9 million in Q4 2024.
Diluted EPS for Q4 2025 was $0.53, up from $0.10 in Q4 2024.
Gross premiums written decreased by 18.6% to $114.5 million in Q4 2025.
Book value per share increased by 33.2% to $6.51 at December 31, 2025.
Forward Guidance
The company is strategically positioned for long-term value creation and growth initiatives, aiming to continue strengthening its liquidity and growing book value while rewarding shareholders.
Positive Outlook
- Strong underwriting results, with both quarterly and full-year underlying combined ratios outperforming the 65% target.
- Continued strengthening of liquidity position.
- Meaningful growth in book value.
- Strategic positioning for long-term value creation.
- Execution on growth initiatives moving forward.
Challenges Ahead
- Gross premiums written decreased by 18.6% in Q4 2025.
- Ceding commission income decreased due to a reduction in quota share reinsurance coverage.
- External management fees increased due to a one percent increase in the management fee and profit share accrual.
- Capital market conditions can cause fluctuations in Accumulated Other Comprehensive Income (AOCI).
Historical Earnings Impact
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Avg. Return Before/After Earnings
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