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.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $71.22M | - | $90.39M | $86.47M | $72.20M | - | $82.14M | $73.54M | $73.20M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $10.70M | - | $11.32M | $7.78M | $9.51M | - | $8.17M | $9.90M | $9.57M | - |
| Total Operating Expenses | $45.68M | - | $48.69M | $50.29M | $47.08M | - | $34.24M | $51.95M | $42.80M | - |
| D&A | $168.0K | - | $937.0K | $998.0K | $1.03M | - | $1.22M | $1.25M | $1.27M | - |
| Operating Income | $25.54M | - | $41.70M | $36.17M | $25.12M | - | $36.06M | $21.59M | $30.40M | - |
| Interest Expense | $2.34M | - | $2.72M | $2.72M | $2.72M | - | $2.72M | $3.43M | $2.72M | - |
| Income Tax | $6.50M | - | $9.89M | $9.52M | $6.48M | - | $3.04M | $1.15M | $7.62M | - |
| Net Income | $19.25M | - | $32.48M | $26.44M | $21.35M | - | $28.12M | $19.05M | $23.60M | - |
| EPS - Basic | $0.40 | - | $0.67 | $0.55 | $0.44 | - | $0.59 | $0.40 | $0.50 | - |
| EPS - Diluted | $0.39 | - | $0.65 | $0.53 | $0.43 | - | $0.57 | $0.39 | $0.48 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $117.01M | $198.76M | $267.87M | $315.49M | $137.04M | $222.29M | $183.15M | $229.43M | $153.76M | $171.83M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $997.01M | $1.07B | $1.18B | $1.35B | $1.16B | $1.22B | $1.14B | $1.31B | $1.08B | $1.06B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | $150.00M | - | - | - | $150.00M | - | - | - | $150.00M |
| Total Liabilities | $665.31M | $755.17M | $851.63M | $1.05B | $898.77M | $980.45M | $884.29M | $1.09B | $873.32M | $891.62M |
| Stockholders' Equity | $331.70M | $317.56M | $327.22M | $292.30M | $260.88M | $235.66M | $259.58M | $223.07M | $89.89M | $168.76M |
| Retained Earnings | ($95.25M) | ($114.51M) | ($104.50M) | ($136.98M) | ($163.42M) | ($184.77M) | ($165.62M) | ($193.74M) | ($213.79M) | ($237.39M) |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($5.74M) | - | - | - | $26.44M | - | - | - | $124.48M | - |
| Investing Cash Flow | ($6.59M) | - | - | - | $5.20M | - | - | - | ($2.00M) | - |
| Financing Cash Flow | ($41.57M) | - | - | - | $309.0K | - | - | - | $11.40M | - |
| CapEx | $136.0K | - | - | - | $96.0K | - | - | - | $0 | - |
| Free Cash Flow | ($5.87M) | - | - | - | $26.35M | - | - | - | $124.48M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 35.9% | - | 46.1% | 41.8% | 34.8% | - | 43.9% | 29.4% | 41.5% | - |
| EBITDA margin | 36.1% | - | 47.2% | 43.0% | 36.2% | - | 45.4% | 31.1% | 43.3% | - |
| Net margin | 27.0% | - | 35.9% | 30.6% | 29.6% | - | 34.2% | 25.9% | 32.2% | - |
| Free cash flow margin | -8.2% | - | - | - | 36.5% | - | - | - | 170.1% | - |
| FCF / Net income | -0.30 | - | - | - | 1.23 | - | - | - | 5.27 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 15.0% | - | 12.5% | 9.0% | 13.2% | - | 10.0% | 13.5% | 13.1% | - |
| Effective tax rate | 25.2% | - | 23.3% | 26.5% | 23.3% | - | 9.8% | 5.7% | 24.4% | - |
| Return on assets | 1.9% | - | 2.8% | 2.0% | 1.8% | - | 2.5% | 1.5% | 2.2% | - |
| Return on equity | 5.8% | - | 9.9% | 9.0% | 8.2% | - | 10.8% | 8.5% | 26.3% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | 0.47 | - | - | - | 0.64 | - | - | - | 0.89 |
| Debt / Assets | - | 0.14 | - | - | - | 0.12 | - | - | - | 0.14 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 10.9x | - | 15.3x | 13.3x | 9.2x | - | 13.3x | 6.3x | 11.2x | - |
| Equity multiplier | 3.01 | 3.38 | 3.60 | 4.61 | 4.45 | 5.16 | 4.41 | 5.88 | 11.98 | 6.28 |
| Liabilities / Assets | 0.67 | 0.70 | 0.72 | 0.78 | 0.78 | 0.81 | 0.77 | 0.83 | 0.81 | 0.84 |
| Efficiency | ||||||||||
| Asset turnover | 0.07 | - | 0.08 | 0.06 | 0.06 | - | 0.07 | 0.06 | 0.07 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 28.8x | - | 17.5x | 21.0x | 26.9x | - | 19.8x | 27.1x | 22.3x | - |
| P / B | 1.7x | - | 1.7x | 1.9x | 2.2x | - | 2.2x | 2.3x | 5.8x | - |
| P / S | 7.9x | - | 6.3x | 6.4x | 7.9x | - | 6.8x | 7.1x | 7.2x | - |
| EV / EBITDA | 17.2x | - | 7.1x | 6.4x | 16.7x | - | 10.1x | 12.8x | 11.7x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -1.4% | - | 10.1% | 17.6% | -1.4% | - | - | - | -19.0% | - |
| Revenue CAGR (3y) | -7.6% | - | -9.9% | -9.3% | -11.0% | - | -20.4% | - | -22.2% | - |
| Revenue CAGR (5y) | -14.5% | - | -15.7% | -16.8% | -16.4% | - | -16.9% | -18.5% | -18.4% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 1.7% | - | 15.6% | 67.5% | -17.4% | - | - | - | -8.6% | - |
| Net income growth (YoY) | -9.8% | - | 15.5% | 38.8% | -9.5% | - | 166.1% | 7.2% | -91.0% | - |
| EPS growth (YoY) | -9.3% | - | 14.0% | 35.9% | -10.4% | - | 137.5% | -4.9% | -92.0% | - |
| EPS CAGR (3y) | -59.8% | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | -1.1% | - | - | - | - | 16.9% | - |
| FCF growth (YoY) | - | - | - | - | -78.8% | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | 13.5% | - | - | - | - | - |
| Book value growth (YoY) | 27.1% | 34.8% | 26.1% | 31.0% | 190.2% | 39.6% | 115.2% | 98.5% | 7.7% | - |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2023-12-31.
Business segments
$286.54M totalCommercial Lines Reporting Segment$253.43M · 88.4%
Personal Lines Reporting Segment$33.01M · 11.5%
Adjustments And Reconciling Items$100.0K · 0.0%
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
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 |