ACIC · American Coastal Insurance Corp Q3 FY2026 earnings call record财报电话会记录

“During the third quarter of 2026, American Coastal continued to maintain its market leadership position in Florida commercial residential property insurance, evidenced by, one, strong account retention near 90%; two, policy in force growth of roughly 7% year-to-date; three, a 3.2% increase in gross premiums written during the current quarter compared to the same period a year ago, despite downward pressure on average account rates; and finally, but most importantly, delivering a combined ratio of 64.7%, which fueled a core return on equity of over 24%.”

“Thus, I am compelled to reiterate that while top-line growth is nice when new business makes sense, our focus remains locked in on underwriting profitability and risk-adjusted returns on capital.”