American Coastal Insurance Financials
This page shows American Coastal Insurance (ACIC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
American Coastal Insurance has an operating margin of 41.8%, meaning the company retains $42 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 33.6% the prior year.
American Coastal Insurance's revenue grew 13.1% year-over-year to $335.4M, a solid pace of expansion. This earns a growth score of 55/100.
American Coastal Insurance carries a low D/E ratio of 0.47, meaning only $0.47 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 92/100, indicating a strong balance sheet with room for future borrowing.
American Coastal Insurance converts 21.1% of revenue into free cash flow ($70.9M). This strong cash generation earns a score of 78/100.
American Coastal Insurance earns a strong 33.6% return on equity (ROE), meaning it generates $34 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 86/100. This is up from 32.1% the prior year.
American Coastal Insurance passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, American Coastal Insurance generates $0.66 in operating cash flow ($71.0M OCF vs $106.8M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
American Coastal Insurance earns $13.0 in operating income for every $1 of interest expense ($140.3M vs $10.8M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
American Coastal Insurance generated $335.4M in revenue in fiscal year 2025. This represents an increase of 13.1% from the prior year.
American Coastal Insurance's EBITDA was $144.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 37.9% from the prior year.
American Coastal Insurance reported $106.8M in net income in fiscal year 2025. This represents an increase of 41.1% from the prior year.
American Coastal Insurance earned $2.15 per diluted share (EPS) in fiscal year 2025. This represents an increase of 39.6% from the prior year.
Cash & Balance Sheet
American Coastal Insurance generated $70.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 70.9% from the prior year.
American Coastal Insurance held $198.8M in cash against $150.0M in long-term debt as of fiscal year 2025.
American Coastal Insurance paid $0.75 per share in dividends in fiscal year 2025. This represents an increase of 50.0% from the prior year.
American Coastal Insurance had 49M shares outstanding in fiscal year 2025. This represents an increase of 1.2% from the prior year.
Margins & Returns
American Coastal Insurance's operating margin was 41.8% in fiscal year 2025, reflecting core business profitability. This is up 8.3 percentage points from the prior year.
American Coastal Insurance's net profit margin was 31.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 6.3 percentage points from the prior year.
American Coastal Insurance's ROE was 33.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.5 percentage points from the prior year.
Capital Allocation
American Coastal Insurance invested $155K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 604.5% from the prior year.
ACIC Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $86.4M-4.4% | $90.4M+4.5% | $86.5M+19.8% | $72.2M-8.9% | $79.3M-3.5% | $82.1M+19.6% | $68.7M+3.1% | $66.6M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $11.9M+4.7% | $11.3M+45.6% | $7.8M-18.2% | $9.5M-15.7% | $11.3M+9.6% | $10.3M-13.8% | $11.9M+6.1% | $11.3M |
| Operating Income | $37.3M-10.6% | $41.7M+15.3% | $36.2M+44.0% | $25.1M+182.4% | $8.9M-75.3% | $36.1M+49.8% | $24.1M-21.2% | $30.6M |
| Interest Expense | $2.7M-2.2% | $2.7M0.0% | $2.7M+0.1% | $2.7M-2.4% | $2.8M-9.2% | $3.1M-10.5% | $3.4M+26.0% | $2.7M |
| Income Tax | $10.1M+1.7% | $9.9M+3.9% | $9.5M+46.8% | $6.5M+114.7% | $3.0M-65.9% | $8.8M+52.2% | $5.8M-24.1% | $7.7M |
| Net Income | $26.6M-18.2% | $32.5M+22.8% | $26.4M+23.9% | $21.3M+331.6% | $4.9M-82.4% | $28.1M+47.6% | $19.1M-19.3% | $23.6M |
| EPS (Diluted) | N/A | $0.65+22.6% | $0.53+23.3% | $0.43 | N/A | $0.57+46.2% | $0.39-18.7% | $0.48 |
ACIC Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B-9.0% | $1.2B-12.5% | $1.3B+16.1% | $1.2B-4.6% | $1.2B+6.3% | $1.1B-12.8% | $1.3B+21.7% | $1.1B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $198.8M-25.8% | $267.9M-15.1% | $315.5M+88.7% | $167.2M+22.0% | $137.0M-25.2% | $183.1M-20.2% | $229.4M-19.6% | $285.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M |
| Total Liabilities | $755.2M-11.3% | $851.6M-19.2% | $1.1B+17.3% | $898.8M-8.3% | $980.5M+10.9% | $884.3M-18.7% | $1.1B+24.6% | $873.3M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $150.0M | N/A | N/A | N/A | $150.0M | N/A | N/A | N/A |
| Total Equity | $317.6M-3.0% | $327.2M+11.9% | $292.3M+12.0% | $260.9M+10.7% | $235.7M-9.2% | $259.6M+16.4% | $223.1M+9.4% | $204.0M |
| Retained Earnings | -$114.5M-9.6% | -$104.5M+23.7% | -$137.0M+16.2% | -$163.4M+11.6% | -$184.8M-11.6% | -$165.6M+14.5% | -$193.7M+9.4% | -$213.8M |
ACIC Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$47.8M-34.1% | -$35.6M-127.8% | $127.9M+383.9% | $26.4M+1550.6% | $1.6M+117.8% | -$9.0M-107.1% | $126.4M+1.5% | $124.5M |
| Capital Expenditures | $59K | $0 | $0-100.0% | $96K+772.7% | $11K0.0% | $11K | $0 | $0 |
| Free Cash Flow | -$47.8M-34.2% | -$35.6M-127.8% | $127.9M+385.6% | $26.3M+1556.0% | $1.6M+117.7% | -$9.0M-107.1% | $126.4M+1.5% | $124.5M |
| Investing Cash Flow | -$16.7M-33.8% | -$12.5M-150.8% | $24.6M+371.8% | $5.2M+131.9% | -$16.3M-61.6% | -$10.1M+93.3% | -$150.8M-7421.6% | -$2.0M |
| Financing Cash Flow | -$1.9M | $0-100.0% | $465K+50.5% | $309K+101.2% | -$25.5M-15720.2% | $163K+171.7% | $60K-99.5% | $11.4M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
ACIC Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 43.1%-3.0pp | 46.1%+4.3pp | 41.8%+7.0pp | 34.8%+23.6pp | 11.2%-32.7pp | 43.9%+8.8pp | 35.1%-10.8pp | 45.9% |
| Net Margin | 30.8%-5.2pp | 35.9%+5.3pp | 30.6%+1.0pp | 29.6%+23.3pp | 6.2%-28.0pp | 34.2%+6.5pp | 27.8%-7.7pp | 35.4% |
| Return on Equity | 8.4%-1.6pp | 9.9%+0.9pp | 9.0%+0.9pp | 8.2%+6.1pp | 2.1%-8.7pp | 10.8%+2.3pp | 8.5%-3.0pp | 11.6% |
| Return on Assets | 2.5%-0.3pp | 2.8%+0.8pp | 2.0%+0.1pp | 1.8%+1.4pp | 0.4%-2.1pp | 2.5%+1.0pp | 1.5%-0.7pp | 2.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.47-2.1 | 2.60-1.0 | 3.61+0.2 | 3.45+2.8 | 0.64-2.8 | 3.41-1.5 | 4.88+0.6 | 4.28 |
| FCF Margin | -55.4%-15.9pp | -39.4%-187.4pp | 148.0%+111.5pp | 36.5%+34.5pp | 2.0%+13.0pp | -10.9%-195.1pp | 184.1%-2.8pp | 186.9% |
Similar Companies
Frequently Asked Questions
What is American Coastal Insurance's annual revenue?
American Coastal Insurance (ACIC) reported $335.4M in total revenue for fiscal year 2025. This represents a 13.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is American Coastal Insurance's revenue growing?
American Coastal Insurance (ACIC) revenue grew by 13.1% year-over-year, from $296.7M to $335.4M in fiscal year 2025.
Is American Coastal Insurance profitable?
Yes, American Coastal Insurance (ACIC) reported a net income of $106.8M in fiscal year 2025, with a net profit margin of 31.9%.
What is American Coastal Insurance's EBITDA?
American Coastal Insurance (ACIC) had EBITDA of $144.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does American Coastal Insurance have?
As of fiscal year 2025, American Coastal Insurance (ACIC) had $198.8M in cash and equivalents against $150.0M in long-term debt.
What is American Coastal Insurance's operating margin?
American Coastal Insurance (ACIC) had an operating margin of 41.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is American Coastal Insurance's net profit margin?
American Coastal Insurance (ACIC) had a net profit margin of 31.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does American Coastal Insurance pay dividends?
Yes, American Coastal Insurance (ACIC) paid $0.75 per share in dividends during fiscal year 2025.
What is American Coastal Insurance's return on equity (ROE)?
American Coastal Insurance (ACIC) has a return on equity of 33.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is American Coastal Insurance's free cash flow?
American Coastal Insurance (ACIC) generated $70.9M in free cash flow during fiscal year 2025. This represents a -70.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is American Coastal Insurance's operating cash flow?
American Coastal Insurance (ACIC) generated $71.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are American Coastal Insurance's total assets?
American Coastal Insurance (ACIC) had $1.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are American Coastal Insurance's capital expenditures?
American Coastal Insurance (ACIC) invested $155K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is American Coastal Insurance's debt-to-equity ratio?
American Coastal Insurance (ACIC) had a debt-to-equity ratio of 0.47 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is American Coastal Insurance's return on assets (ROA)?
American Coastal Insurance (ACIC) had a return on assets of 10.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is American Coastal Insurance's Piotroski F-Score?
American Coastal Insurance (ACIC) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are American Coastal Insurance's earnings high quality?
American Coastal Insurance (ACIC) has an earnings quality ratio of 0.66x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can American Coastal Insurance cover its interest payments?
American Coastal Insurance (ACIC) has an interest coverage ratio of 13.0x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is American Coastal Insurance?
American Coastal Insurance (ACIC) scores 82 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.