{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-103972","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.895435+00:00","generated_at":"2026-05-17T19:02:48.477237+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"ACIC Q2 net income $26.4M; core EPS $0.54 beats $0.38; combined ratio 60.6%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-103972","json":"https://secwatch.observer/filing/0000950170-25-103972.json","markdown":"https://secwatch.observer/filing/0000950170-25-103972.md","text":"https://secwatch.observer/filing/0000950170-25-103972.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000095017025103972/0000950170-25-103972-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000095017025103972/acic-20250806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T19:02:48.477237+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}