ACIC Q4 core EPS $0.52 beats $0.41 estimate; combined ratio 58.6% vs 70.3%

AMERICAN COASTAL INSURANCE Corp

2025-FY EPS reported $2.15 revenue$335,439,000

Core income $25.8M ($0.52/diluted share) versus $6.0M ($0.12) a year ago; analyst consensus was $0.41.
Net premiums earned $79.3M (+7.9% YoY); total revenue $86.4M (+9.0% YoY).
Combined ratio improved to 58.6% from 91.9% YoY, which included Hurricane Milton's $20.5M retention.
Book value per share $6.51, up 33.1% YoY; declared $0.75 special dividend in Q4 2025.
Renewed AOP catastrophe reinsurance Jan 1, 2026 with risk-adjusted rate decrease; ACES Specialty pending approval; AmRisc partnership starts March 1, 2026.

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