American Coastal Q4 net income rises

American Coastal Insurance

19/02/2026 21:33

Overview

Property and casualty insurer's Q4 net income rose significantly, driven by reduced losses

Q4 gross premiums written fell 18.6% yr/yr

Company's book value per share increased 33.2% yr/yr

Outlook

American Coastal aims to deliver long-term value creation and execute growth initiatives

Company continues to strengthen liquidity and grow book value meaningfully

Result Drivers

REDUCED LOSSES - Losses and LAE decreased by 66.8% to $9.9 mln, significantly improving net income

PREMIUMS AND REVENUE - Decrease in gross written premiums offset by reduced ceded premiums, boosting revenue

POLICY COSTS - Policy acquisition costs decreased due to lower external management fees

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Gross Premiums Written
$114.51 mln
Q4 EPS
$0.53
Q4 Net Income
$26.56 mln
Q4 Core ROE
35.00%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 1 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the property & casualty insurance peer group is "buy"

Wall Street's median 12-month price target for American Coastal Insurance Corp is $14.00, about 27.2% above its February 18 closing price of $11.01

The stock recently traded at 7 times the next 12-month earnings vs. a P/E of 8 three months ago

Press Release: ID:nGNX15jZfR

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)