Core Insights - American Coastal Insurance (ACIC) reported a revenue of $86.38 million for the quarter ended December 2025, reflecting a 9% increase year-over-year and a surprise of +3.56% over the Zacks Consensus Estimate of $83.41 million [1] - The earnings per share (EPS) for the quarter was $0.51, significantly higher than $0.12 in the same quarter last year, resulting in an EPS surprise of +21.43% compared to the consensus estimate of $0.42 [1] Financial Performance Metrics - Loss Ratio for the quarter was reported at 12.5%, which is significantly lower than the average estimate of 23.8% based on two analysts [4] - Expense Ratio stood at 46.1%, slightly above the average estimate of 45% from two analysts [4] - Combined Ratio was reported at 58.6%, compared to the estimated average of 68.8% by two analysts [4] - Net premiums earned were $79.32 million, exceeding the average estimate of $76.91 million, with a year-over-year increase of +7.9% [4] - Net investment income was $5.49 million, slightly below the average estimate of $5.8 million, with a year-over-year change of +3.1% [4] Stock Performance - Over the past month, shares of American Coastal have returned -2.1%, while the Zacks S&P 500 composite experienced a -0.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]
Here's What Key Metrics Tell Us About American Coastal (ACIC) Q4 Earnings