American Coastal Insurance Corp. reported Q4 FY2025 net income of USD 26.56 million (USD 0.53 per diluted share), with total revenue of USD 86.38 million (+9.0%) and net premiums earned of USD 79.32 million (+7.9%). Gross premiums written were USD 114.51 million (-18.6%). The Q4 combined ratio was 58.6% and the underlying combined ratio was 58.9%. The company said it had no discontinued operations in Q4 FY2025 after a net loss from discontinued operations in Q4 FY2024. For FY2025, American Coastal posted consolidated net income of USD 106.84 million (USD 2.15 per diluted share), while total revenue was USD 335.44 million (+13.1%) and net premiums earned were USD 306.85 million (+12.0%). Gross premiums written were USD 612.52 million (-5.4%). The FY combined ratio was 60.1% and the underlying combined ratio was 61.5%. Book value per share rose to USD 6.51 (+33.1%), and cash, restricted cash and investment holdings increased to USD 647.70 million. Management said FY2025 earnings exceeded its 2025 guidance, highlighted liquidity strengthening and book value growth, and noted special dividends paid in each of the last two years. The company also cited a reduction in quota share reinsurance cession rate from 20% to 15% effective June 1, 2025, and reported a Q4 total ceding ratio of (49.8)% versus (54.8)% a year earlier.
Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. American Coastal Insurance Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001401521-26-000008), on February 19, 2026, and is solely responsible for the information contained therein.
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