NASDAQ$ACIC

American Coastal Insurance Corporation · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Reported financial results for the second quarter ended June 30, 2024.

American Coastal Insurance Corporation reported a profitable second quarter in 2024, successfully placed its core catastrophe reinsurance program, and executed the final phase of its multi-year strategy to phase out personal lines operations with the sale of Interboro Insurance Company.

  • Recorded a profitable second quarter for American Coastal.
  • Successfully placed the core catastrophe reinsurance program, increasing the exhaustion point and limiting retention to less than one quarter's pre-tax earnings.
  • Executed the final phase of the multi-year strategy to phase out personal lines operations by signing definitive agreements for the sale of Interboro Insurance Company.
  • Total gross written premium decreased by 3.1% to $229.4 million.

Headline financials

Total Revenue

$68.7M

Previous: -$3.96M+1833.3%
EPS

$0.39

Previous: $0.41-4.9%
Gross Premiums Written

$229M

Previous: $237M-3.1%
Combined Ratio

64.9%

Previous: 63.1%+2.9%
Return on Equity

45.6%

Previous: 191.6%-76.2%
Core Return on Equity

46.9%

Previous: 291.7%-83.9%
Book Value Per Share

$4.63

No prior period
Capital Expenditures

$0.00

Previous: -$273K+100.0%
Free Cash Flow

$19.1M

Previous: $17.5M+8.8%
Net Income

$19.1M

Previous: $17.8M+7.2%
Operating Income

$24.1M

Previous: -$17.7M+236.2%
Gross Profit

$66.6M

Previous: -$3.96M+1781.8%
Cash & Equivalents

$229M

Previous: $27.8M+726.3%
Total Assets

$1.31B

Previous: $1.44B-9.2%
Stock-Based Comp

$780K

Previous: $170K+358.8%

Revenue & EPS history

American Coastal Insurance · Revenue · Quarterly

$68.7M

Q2 2024-1,833.3%vs Q2 2023
Beat estimate in 3 of 6 quarters(50%)
ActualEstimate

Forward guidance

The company remains focused on delivering long-term shareholder value over time and will continue to explore further opportunities to expand our product offering to meet the needs of the market.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2024

Historical avgQ2 2024

-0.9%

Avg return

Earnings day

+1.8%

Avg return

5 days after

-0.5%

Avg return

30 days after

44%

27 / 62 earnings

Positive

+28.7%

Q3 2023

Best reaction

-43.9%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.6%-0.7%-4.9%
Q4 2025-2.3%+1.3%-0.6%
Q3 2025-1.7%-2.9%-2.3%
Q1 2025+2.5%-4.0%-6.1%
Q4 2024-4.3%+0.7%-9.1%
Q3 2024-1.5%+4.5%+10.1%
Q2 2024-3.3%-9.8%-6.8%
Q1 2024-3.1%+4.9%-2.1%
Q3 2023+28.7%+10.5%+19.6%
Q2 2023-8.8%-8.0%-6.1%
Q4 2022-43.9%+35.8%+5.0%
Q1 2023-43.9%-15.9%+64.8%
Q3 2022-11.2%-12.8%-12.8%
Q2 2022-3.8%+3.8%-10.4%
Q1 2022-4.3%-8.2%-30.4%
Q4 2021+0.6%+2.9%-15.5%
Q3 2021+17.6%+10.3%+2.1%
Q2 2021-3.3%-6.8%-12.7%
Q1 2021+5.0%+2.5%-22.8%
Q4 2020+0.0%+0.6%-5.6%
Q3 2020-8.0%+9.7%+0.0%
Q2 2020+17.2%+24.1%-0.7%
Q1 2020-5.5%-6.2%-0.2%
Q4 2019+4.2%-3.7%+4.1%
Q3 2019+5.4%+8.4%-1.4%
Q2 2019+3.5%+7.7%+7.2%
Q1 2019+3.1%+2.6%-3.6%
Q4 2018-1.7%-4.5%-2.2%
Q3 2018+3.8%+4.2%+0.0%
Q2 2018-1.6%-1.0%-1.3%
Q1 2018-2.9%-4.9%-1.5%
Q4 2016+0.2%-2.7%-0.2%
Q4 2017+0.2%+6.7%+5.7%
Q3 2017+0.2%+0.5%+5.1%
Q2 2017+3.6%+5.7%-9.4%
Q1 2017-2.8%-3.3%-3.2%
Q3 2016+10.4%+21.3%+31.4%
Q2 2016-1.6%-4.5%-0.5%
Q1 2016-2.0%
Q4 2015-3.1%
Q3 2015+6.0%
Q2 2015-3.2%
Q1 2015+3.7%
Q4 2014+0.6%
Q3 2014+6.1%
Q2 2014+0.8%
Q1 2014+3.0%
Q4 2011-6.1%
Q4 2013-6.1%
Q3 2013-2.5%
Q2 2013-1.8%
Q1 2013+0.7%
Q4 2009+5.1%
Q3 2012+2.1%
Q2 2012-1.0%
Q1 2011-5.9%
Q1 2012+0.0%
Q3 2011+1.2%
Q3 2010+1.2%
Q4 2010+0.0%
Q2 2011+0.0%
Q2 2010+0.0%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro