Core Viewpoint - American Coastal Insurance (ACIC) reported quarterly earnings of $0.54 per share, exceeding the Zacks Consensus Estimate of $0.38 per share, and showing an increase from $0.4 per share a year ago, representing an earnings surprise of +42.11% [1][2] Financial Performance - The company posted revenues of $84.24 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 2.25%, and up from $68.73 million year-over-year [2] - Over the last four quarters, ACIC has surpassed consensus EPS estimates three times and topped consensus revenue estimates two times [2] Stock Performance - American Coastal shares have declined approximately 23.8% since the beginning of the year, contrasting with the S&P 500's gain of 7.1% [3] - The current Zacks Rank for the stock is 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The consensus EPS estimate for the upcoming quarter is $0.05 on revenues of $87.1 million, and for the current fiscal year, it is $1.35 on revenues of $328.62 million [7] - The trend of estimate revisions for American Coastal was mixed ahead of the earnings release, which could change following the recent report [6] Industry Context - The Insurance - Property and Casualty industry is currently in the top 37% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8]

Financial Performance Highlights - P&C premium production increased by 70% to approximately $318 million[5] - Total revenue increased by 27% to approximately $63 million[5] - Beat Capital contributed over $20 million of revenue, up approximately 40%[5] Cirrata (Insurance Distribution) - Premium placed increased 156% to $231 million[9] - Total revenue increased 129% to $41 million year-over-year[9] - Adjusted EBITDA was $12 million with a margin of 29%[9] - Adjusted EBITDA to shareholders was $7 million with a margin of 17%[9] - Net loss of $(2) million with a margin of (4)%[9] Everspan (Specialty P&C Program Insurer) - Gross Written Premium (GPW) was $87 million, a decrease of 10% compared to Q1 2024[12] - 67% of Q1 2025 GPW is E&S lines[12] - Loss ratio was 66.9% compared to 75.7% for Q1 2024[12] - Combined ratio was 102.1% compared to 98.4% for Q1 2024[12]