---
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"
generated_at: "2026-05-17T19:02:48.477237+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-103972
- JSON: https://secwatch.observer/filing/0000950170-25-103972.json
- Plain text: https://secwatch.observer/filing/0000950170-25-103972.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.