ACIC · AMERICAN COASTAL INSURANCE Corp
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Aug 5, 2026TL;DR. ACIC posted $21.9M of Q2 net income and a 68.7% underlying combined ratio while expanding reinsurance protection and growing book value 10.7% YTD, but cut full-year revenue guidance to $300–$320M as soft market pressures drove gross premiums written down ~5% and core income down 38.5%.
- + Book value per share grew 10.7% YTD to $7.21 and 20.2% year-over-year.
- + Reduced first-event hurricane retention from $49M to $23.5M effective August 1, 2026 at a cost of ~$8.4M.
- + Board increased buyback authority to roughly $30.6M after repurchasing ~1.4M shares in Q2.
- + Underlying combined ratio of 68.7% and 26.6% return on equity in Q2.
- + Kroll upgraded ACIC's insurance financial strength rating to A from A- on July 21, 2026.
- − Full-year total revenue guidance revised downward to $300M–$320M.
- − Combined ratio rose 13.7 points to 74.3%, including $3.1M of cat losses and $767K of unfavorable prior-year reserve development.
- − Management expects rates, deductibles, and policy acquisition costs to remain under pressure into 2027.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Combined ratio | 74.3% | Three Months Ended June 30, 2026 filing | — |
| Core income non-GAAP | $16.46M | Three Months Ended June 30, 2026 filing | — |
| Core income per diluted share non-GAAP | $0.33 | Three Months Ended June 30, 2026 filing | — |
| Effect of current year catastrophe losses on combined ratio | 4.5% | Three Months Ended June 30, 2026 filing | — |
| Effect of prior year development on combined ratio | 1.1% | Three Months Ended June 30, 2026 filing | — |
| Expense ratio | 47.3% | Three Months Ended June 30, 2026 filing | — |
| Loss ratio, net | 27% | Three Months Ended June 30, 2026 filing | — |
| Return on equity based on GAAP net income | 25% | Three Months Ended June 30, 2026 filing | — |
| Underlying combined ratio non-GAAP | 68.7% | Three Months Ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ACIC
this stock
AMERICAN COASTAL INSURANCE Corp
|
$450.72M | -26.1% | +13.1% | 4.6 | 3.8% |
|
CB
Chubb Ltd
|
$128.80B | +6.0% | +6.5% | 11.8 | 0.9% |
|
PGR
Progressive Corp/Oh/
|
$119.47B | -7.6% | +16.3% | 10.3 | 1.1% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$100.71B | +35.0% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$75.72B | +24.2% | +5.2% | 9.8 | 3.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ACIC | -0.7% | -2.2% | -18.7% | +3.2% | -26.1% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.5% | -1.7% | -30.9% | +2.3% | -39.0% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.