ACIC Q2 net income $26.4M; core EPS $0.54 beats $0.38; combined ratio 60.6%

AMERICAN COASTAL INSURANCE Corp

2025-Q2 EPS reported $0.96 revenue$158,669,000

Core income $26.8M ($0.54 diluted) vs $19.6M ($0.40) YoY, beating analyst estimate of $0.38.
Combined ratio 60.6% vs 64.9% YoY; underlying combined ratio (ex-cat & PY dev) 62.2%, below 65% target.
Net premiums earned $78.4M, up 23.8% YoY, driven by quota share reduction from 40% to 15%.
Stockholders' equity rose $56.6M to $292.3M ($6.00 BVPS) from Dec 2024; tangible book value $4.68.
KBRA upgraded ACIC to BBB- (investment grade) on 7/21, saving ~$1.5M/year interest. No cat losses in Q2.

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