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American Coastal Insurance Corporation ACIC Loss and loss adjustment expense reserves

Loss and loss adjustment expense reserves at other companies

Progressive logo
ProgressivePGR
$1.07B+39.5%
Kemper logo
KemperKMPR
$106.6M+147%
American International Group logo
American International GroupAIG
$553M+273%
Universal Insurance Holdings logo
Universal Insurance HoldingsUVE

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$521.47M+3.8%
Enterprise value$435.04M+8.6%
P/E-1.9×
P/S1.6×-0.1×

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 us-gaap:IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve.

The official record: American Coastal Insurance Corporation’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is American Coastal Insurance Corporation's loss and loss adjustment expense reserves?
American Coastal Insurance Corporation (ACIC) reported loss and loss adjustment expense reserves of -$38.71M in Q1 2026.
How has American Coastal Insurance Corporation's loss and loss adjustment expense reserves changed year-over-year?
American Coastal Insurance Corporation's loss and loss adjustment expense reserves increased by 41.3% year-over-year, from -$65.91M to -$38.71M.
What is the long-term trend for American Coastal Insurance Corporation's loss and loss adjustment expense reserves?
Over 3 years (2021 to 2025), American Coastal Insurance Corporation's loss and loss adjustment expense reserves has grown at a 205.0% compound annual growth rate (CAGR), from -$5.52M to -$156.49M.
What does loss and loss adjustment expense reserves mean?
Reflects the net change in the reserve balance set aside to cover future payments for insurance claims and associated adjustment expenses. This is a critical indicator of an insurer's actuarial estimation of future liabilities and the adequacy of its loss reserves. Significant changes often signal shifts in claim frequency, severity, or reserve strengthening practices.