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American Coastal Insurance Corporation ACIC Ceded Losses And LAE Incurreds

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Other financials

Income statement

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Revenue$71.2M-1.4%
Operating income$25.5M+1.7%
Net income$19.3M-9.8%
EPS (diluted)$0.39-9.3%

Balance sheet

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Cash & equivalents$238.9M-6.0%
Total debt$152.5M+0.1%
Total equity$331.7M+27.1%
Total assets$997.0M-14.0%

Cash flow

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Operating cash flow-$5.7M-122%
CapEx$136.0K+41.7%
Free cash flow-$5.9M-122%

Valuation

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Market cap$493.49M-10.2%
Enterprise value$407.06M+42.7%
P/E4.7×-2.1×
P/S1.5×-0.2×

Profitability

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Operating margin42.1%+10.9pp
Net margin31.3%+7.0pp
FCF margin48.7%

Returns & leverage

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Return on equity35.4%+3.7pp
Debt / equity0.5×-0.1×

Where this comes from

Reported directly by American Coastal Insurance Corporation in its filing.

Tagged under the XBRL concept acic:CededLossesAndLAEIncurreds.

The source filing: American Coastal Insurance Corporation’s 10-K, filed March 9, 2026.

Filed
Mar 9, 2026, 4:53 PM EDT
Fiscal year
FY2025
Accession
0001401521-26-000015
Line itemYear ended December 31, 2025Year ended December 31, 2024Year ended December 31, 2023
Assumed3,3901,61110,317
Ceded(341,408)(364,618)(342,623)
Net premiums earned$306,852$273,990$262,060
Losses and LAE incurred:
Direct$5,250$231,537$120,114
Assumed(3,051)(4,077)3,767
Ceded43,841(158,141)(77,203)
Net losses and LAE incurred$46,040$69,319$46,678

Item 8. Financial Statements and Supplementary Data

FAQ

What is American Coastal Insurance Corporation's ceded losses and LAE incurreds?
American Coastal Insurance Corporation (ACIC) reported ceded losses and LAE incurreds of -$10.96M in Q4 2025.
How has American Coastal Insurance Corporation's ceded losses and LAE incurreds changed year-over-year?
American Coastal Insurance Corporation's ceded losses and LAE incurreds decreased by 127.7% year-over-year, from $39.54M to -$10.96M.
What is the long-term trend for American Coastal Insurance Corporation's ceded losses and LAE incurreds?
Over 2 years (2023 to 2025), American Coastal Insurance Corporation's ceded losses and LAE incurreds has grown at a -24.6% compound annual growth rate (CAGR), from $77.2M to -$43.84M.
What does ceded losses and LAE incurreds mean?
The portion of losses and loss adjustment expenses that are recoverable from reinsurers under existing reinsurance contracts. This represents the effectiveness of the company's reinsurance program in mitigating financial impact from large claims.

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