ACIC · American Coastal Insurance Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · ACIC

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$335.44M	$296.66M	$286.54M	$455.42M	$634.53M	$846.66M
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
R&D	-	-	-	-	-	-
SG&A	$40.46M	$44.76M	$29.49M	$63.32M	$57.21M	$72.06M
Total Operating Expenses	$195.16M	$197.06M	$196.81M	$910.30M	$718.57M	$978.83M
D&A	$3.80M	$4.85M	$1.60M	$6.14M	$7.88M	$6.44M
Operating Income	$140.28M	$99.60M	$89.73M	($454.88M)	($84.04M)	($132.18M)
Interest Expense	$10.81M	$12.00M	$10.88M	$9.61M	$9.39M	$9.58M
Income Tax	$35.94M	$25.34M	$9.77M	$25.48M	($23.99M)	($36.60M)
Net Income	$106.84M	$75.72M	$309.91M	($469.86M)	($57.92M)	($96.45M)
EPS - Basic	$2.20	$1.59	$7.11	($10.91)	($1.35)	($2.25)
EPS - Diluted	$2.15	$1.54	$6.98	($10.91)	($1.35)	($2.25)

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$198.76M	$222.29M	$171.83M	$229.89M	$212.02M	$239.42M
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$1.07B	$1.22B	$1.06B	$2.84B	$2.70B	$2.85B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	$150.00M	$150.00M	$150.00M	$154.12M	$158.56M	$160.38M
Total Liabilities	$755.17M	$980.45M	$891.62M	$3.02B	$2.37B	$2.43B
Stockholders' Equity	$317.56M	$235.66M	$168.76M	($182.04M)	$312.41M	$395.75M
Retained Earnings	($114.51M)	($184.77M)	($237.39M)	($546.30M)	($74.90M)	($6.63M)

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	$71.03M	$243.51M	($136.00M)	($173.11M)	($295.39M)	($10.47M)
Investing Cash Flow	$620.0K	($179.21M)	($2.54M)	$236.84M	$251.38M	$36.57M
Financing Cash Flow	($1.08M)	($13.84M)	$26.77M	($25.39M)	($12.21M)	($11.65M)
CapEx	$155.0K	$22.0K	$196.0K	$3.05M	$5.27M	$10.85M
Free Cash Flow	$70.87M	$243.49M	($136.20M)	($176.16M)	($300.66M)	($21.32M)

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	-	-	-	-	-	-
Operating margin	41.8%	33.6%	31.3%	-99.9%	-13.2%	-15.6%
EBITDA margin	43.0%	35.2%	31.9%	-98.5%	-12.0%	-14.9%
Net margin	31.8%	25.5%	108.2%	-103.2%	-9.1%	-11.4%
Free cash flow margin	21.1%	82.1%	-47.5%	-38.7%	-47.4%	-2.5%
FCF / Net income	0.66	3.22	-0.44	0.37	5.19	0.22
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	12.1%	15.1%	10.3%	13.9%	9.0%	8.5%
Effective tax rate	25.2%	25.1%	3.1%	-	-	-
Return on assets	10.0%	6.2%	29.2%	-16.6%	-2.1%	-3.4%
Return on equity	33.6%	32.1%	183.6%	258.1%	-18.5%	-24.4%
Return on invested capital	22.4%	19.3%	27.3%	-	-14.1%	-18.8%
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	0.47	0.64	0.89	-0.85	0.51	0.41
Debt / Assets	0.14	0.12	0.14	0.05	0.06	0.06
Debt / EBITDA	1.04	1.44	1.64	-	-	-
Interest coverage	13.0x	8.3x	8.3x	-47.3x	-8.9x	-13.8x
Equity multiplier	3.38	5.16	6.28	-15.59	8.64	7.20
Liabilities / Assets	0.70	0.81	0.84	1.06	0.88	0.85
Efficiency
Asset turnover	0.31	0.24	0.27	0.16	0.24	0.30
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	5.9x	8.7x	1.4x	-	-	-
P / B	2.0x	2.8x	2.5x	-	0.6x	0.6x
P / S	1.9x	2.2x	1.5x	0.1x	0.3x	0.3x
EV / EBITDA	4.0x	5.7x	4.4x	-	-	-
Growth
Revenue growth (YoY)	13.1%	3.5%	-37.1%	-28.2%	-25.1%	2.6%
Revenue CAGR (3y)	-9.7%	-22.4%	-30.3%	-18.0%	-4.3%	9.0%
Revenue CAGR (5y)	-16.9%	-18.5%	-16.9%	-7.0%	5.4%	18.8%
Gross profit growth (YoY)	-	-	-	-	-	-
Operating income growth (YoY)	40.8%	11.0%	-	-441.3%	36.4%	-303.9%
Net income growth (YoY)	41.1%	-75.6%	-	-711.2%	40.0%	-222.9%
EPS growth (YoY)	39.6%	-77.9%	-	-708.1%	40.0%	-221.4%
EPS CAGR (3y)	-	-	-	-	-	-
EPS CAGR (5y)	-	-	270.5%	-	-	-
FCF growth (YoY)	-70.9%	-	22.7%	41.4%	-1310.3%	-
FCF CAGR (5y)	-	13.9%	-	-	-	-
Book value growth (YoY)	34.8%	39.6%	-	-	-21.1%	-21.3%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2023-12-31.

Business segments

$286.54M total

Commercial Lines Reporting Segment$253.43M · 88.4%

Personal Lines Reporting Segment$33.01M · 11.5%

Adjustments And Reconciling Items$100.0K · 0.0%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

5/9

Neutral

✓Net income positive
✓Operating cash flow positive
✓ROA improved YoY
✗Cash flow > net income
✗Long-term debt decreased
-Current ratio improved
✓No share dilution
-Gross margin improved
✓Asset turnover improved

Peer comparison

Same SIC group: Fire, Marine & Casualty Insurance

Company	Revenue (last FY)	Net margin	ROE
PGR	$87.67B	12.9%	37.3%
DGICA	$978.01M	8.1%	12.4%
AIG	$26.77B	11.6%	7.5%
TRV	$48.83B	12.9%	19.1%
CINF	$12.63B	18.9%	15.0%

Comparing AMERICAN COASTAL INSURANCE Corp against the 5 most active filers in the same SIC group.

Dividends

$0.75/share trailing 12 months · +50.0% YoY

Ex-date	Per share
Jan 2, 2026	$0.7500
Jan 2, 2025	$0.5000
Mar 8, 2022	$0.0600
Nov 19, 2021	$0.0600
Aug 9, 2021	$0.0600
May 14, 2021	$0.0600
Mar 1, 2021	$0.0600
Nov 20, 2020	$0.0600
Aug 10, 2020	$0.0600
May 18, 2020	$0.0600
Mar 3, 2020	$0.0600
Nov 18, 2019	$0.0600
Aug 13, 2019	$0.0600
May 13, 2019	$0.0600
Mar 5, 2019	$0.0600
Nov 19, 2018	$0.0600
Aug 10, 2018	$0.0600
May 21, 2018	$0.0600
Mar 6, 2018	$0.0600
Nov 21, 2017	$0.0600
Aug 17, 2017	$0.0600
May 19, 2017	$0.0600
Mar 6, 2017	$0.0600
Nov 21, 2016	$0.0600