---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-25-000024"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2025-02-27T23:59:59+00:00"
generated_at: "2026-05-26T01:27:53.557834+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ACIC Q4 core EPS $0.12 misses estimates, hit by Hurricane Milton losses

## Summary
- Q4 core income $6.0M ($0.12 diluted) vs analyst estimate $0.16; down 66.7% YoY.
- Combined ratio 91.9% due to 27.8 points from Hurricane Milton; net cat losses $20.4M.
- FY24 combined ratio 67.5%, near 65% target; net premiums earned up 49.6% to $73.5M.
- Declared $0.50 special dividend during Q4; book value per share $4.89.
- Launched new apartment product (19 policies, $2.3M premium); placed $200M cat bond oversubscribed.

## SEC filing metadata
- accession: 0001401521-25-000024
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2025-02-27T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1401521/000140152125000024/0001401521-25-000024-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152125000024/acic-20250227.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-25-000024
- JSON: https://secwatch.observer/filing/0001401521-25-000024.json
- Plain text: https://secwatch.observer/filing/0001401521-25-000024.txt

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