NASDAQ$ACIC

American Coastal Insurance Corporation · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

American Coastal Insurance reported financial results for the third quarter ended September 30, 2023.

American Coastal Insurance Corporation reported a net income of $10.6 million for Q3 2023, a significant improvement compared to a net loss of $70.9 million in Q3 2022. The company's book value per share increased to $2.78, and the core return on equity from continuing operations was 170.3%.

  • Net income attributable to the company for the third quarter of 2023 was $10.6 million, or $0.24 per diluted share.
  • Total gross written premium increased by 0.7% to $103.9 million for the third quarter of 2023.
  • Loss and LAE decreased by $39.0 million, or 73.9%, to $13.8 million for the third quarter of 2023.
  • Pre-tax earnings attributable to the Company's commercial lines operating segment totaled $25.9 million for the third quarter of 2023 compared to $1.8 million for the third quarter of 2022.

Headline financials

Total Revenue

$2.92M

Previous: $124M-97.6%
EPS (adj)

$0.25

Previous: -$1.64+115.2%
Gross Premiums Written

$104M

Previous: $255M-59.3%
Combined Ratio

68.7%

Previous: 165.4%-58.5%
Return on Equity

125.2%

Previous: -121.8%+202.8%
Core Return on Equity

176.2%

Previous: -98.8%+278.3%
Book Value Per Share

$2.78

Previous: $1.86+49.5%
Capital Expenditures

-$196K

Previous: -$2.93M+93.3%
Free Cash Flow

$10.4M

Previous: -$73.8M+114.1%
Net Income

$10.6M

Previous: -$70.9M+114.9%
Operating Income

-$12.9M

Previous: -$70.8M+81.8%
Gross Profit

$2.92M

Previous: $114M-97.4%
Cash & Equivalents

$111M

Previous: $181M-38.6%
Total Assets

$1.15B

Previous: $2.94B-60.9%
Stock-Based Comp

$410K

Previous: $290K+41.4%

Revenue & EPS history

American Coastal Insurance · Revenue · Quarterly

$2.92M

Q3 2023-97.6%vs Q3 2022
Beat estimate in 3 of 6 quarters(50%)
ActualEstimate

Forward guidance

The press release does not contain specific forward guidance. Therefore, this section is left blank.

Historical earnings impact

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

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q3 2023

Historical avgQ3 2023

-0.9%

Avg return

Earnings day

+1.8%

Avg return

5 days after

-0.3%

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 2026-2.9%-1.1%
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%

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