American Coastal Insurance Financials

ACIC

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows American Coastal Insurance (ACIC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 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).

Key Financial Metrics

Revenue

$296.7M

YoY+29.7%

5Y CAGR-14.6%

10Y CAGR+8.5%

American Coastal Insurance generated $296.7M in revenue in fiscal year 2024. This represents an increase of 29.7% from the prior year.

EBITDA

$104.4M

YoY+2181.1%

5Y CAGR+73.9%

10Y CAGR+20.7%

American Coastal Insurance's EBITDA was $104.4M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 2181.1% from the prior year.

Free Cash Flow

$243.5M

YoY+181.0%

5Y CAGR+51.7%

10Y CAGR+21.4%

American Coastal Insurance generated $243.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 181.0% from the prior year.

Net Income

$75.7M

YoY+230.7%

5Y CAGR+49.5%

10Y CAGR+22.8%

American Coastal Insurance reported $75.7M in net income in fiscal year 2024. This represents an increase of 230.7% from the prior year.

EPS (Diluted)

$1.54

YoY+214.1%

5Y CAGR+41.7%

10Y CAGR+5.4%

American Coastal Insurance earned $1.54 per diluted share (EPS) in fiscal year 2024. This represents an increase of 214.1% from the prior year.

Cash & Debt

$137.0M

YoY-35.4%

5Y CAGR-9.8%

10Y CAGR+6.8%

American Coastal Insurance held $137.0M in cash against $150.0M in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

48M

YoY+11.1%

5Y CAGR+2.4%

10Y CAGR+12.1%

American Coastal Insurance had 48M shares outstanding in fiscal year 2024. This represents an increase of 11.1% from the prior year.

Gross Margin

N/A

Operating Margin

33.6%

YoY+38.2pp

5Y CAGR+33.5pp

10Y CAGR+22.0pp

American Coastal Insurance's operating margin was 33.6% in fiscal year 2024, reflecting core business profitability. This is up 38.2 percentage points from the prior year.

Net Margin

25.5%

YoY+50.8pp

5Y CAGR+24.0pp

10Y CAGR+18.1pp

American Coastal Insurance's net profit margin was 25.5% in fiscal year 2024, showing the share of revenue converted to profit. This is up 50.8 percentage points from the prior year.

Return on Equity

32.1%

5Y CAGR+30.2pp

10Y CAGR+21.1pp

American Coastal Insurance's ROE was 32.1% in fiscal year 2024, measuring profit generated per dollar of shareholder equity.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$22K

YoY-99.6%

5Y CAGR-66.5%

10Y CAGR-26.1%

American Coastal Insurance invested $22K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 99.6% from the prior year.

ACIC Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$296.7M+29.7%	$228.7M-73.0%	$846.7M+2.6%	$825.1M+14.0%	$723.9M+10.6%	$654.4M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$44.8M+42.4%	$31.4M-56.4%	$72.1M+9.2%	$66.0M-0.2%	$66.1M-19.1%	$81.8M
Operating Income	$99.6M+1044.4%	-$10.5M+92.0%	-$132.2M-303.9%	-$32.7M-651.4%	-$4.4M-675.3%	$757K
Interest Expense	$12.0M+28.9%	$9.3M-2.9%	$9.6M-2.0%	$9.8M-0.9%	$9.9M+203.8%	$3.2M
Income Tax	$25.3M+478.3%	-$6.7M+81.7%	-$36.6M-1072.9%	-$3.1M+32.6%	-$4.6M+49.8%	-$9.2M
Net Income	$75.7M+230.7%	-$57.9M+40.0%	-$96.5M-222.9%	-$29.9M-10400.7%	$290K-97.1%	$10.1M
EPS (Diluted)	$1.54+214.1%	$-1.35+40.0%	$-2.25-221.4%	$-0.70-7100.0%	$0.01-96.3%	$0.27

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$90.4M+4.5%	$86.5M+19.8%	$72.2M+50.4%	$48.0M-8.6%	$52.5M-28.6%	$73.5M-18.6%	$90.3M	N/A
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	$11.3M+45.6%	$7.8M-18.2%	$9.5M-41.8%	$16.3M+171.9%	$6.0M-6.3%	$6.4M-27.1%	$8.8M	N/A
Operating Income	$41.7M+15.3%	$36.2M+44.0%	$25.1M+21.3%	$20.7M+13.2%	$18.3M-15.3%	$21.6M-35.1%	$33.3M	N/A
Interest Expense	$2.7M0.0%	$2.7M+0.1%	$2.7M-0.1%	$2.7M0.0%	$2.7M0.0%	$2.7M0.0%	$2.7M	N/A
Income Tax	$9.9M+3.9%	$9.5M+46.8%	$6.5M+102.4%	$3.2M+5.3%	$3.0M+163.6%	$1.2M-66.8%	$3.5M	N/A
Net Income	$32.5M+22.8%	$26.4M+23.9%	$21.3M+49.5%	$14.3M+35.2%	$10.6M-40.6%	$17.8M-93.3%	$267.3M	N/A
EPS (Diluted)	$0.65+22.6%	$0.53+23.3%	$0.43+126.3%	$0.19-20.8%	$0.24-41.5%	$0.41-93.3%	$6.14	N/A

ACIC Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$1.2B-54.9%	$2.7B-5.3%	$2.8B+15.5%	$2.5B+6.3%	$2.3B+12.7%	$2.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$137.0M-35.4%	$212.0M-11.4%	$239.4M+11.1%	$215.5M+91.2%	$112.7M-50.9%	$229.6M
Inventory	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
Goodwill	$59.5M-18.6%	$73.0M0.0%	$73.0M0.0%	$73.0M0.0%	$73.0M0.0%	$73.0M
Total Liabilities	$980.5M-58.6%	$2.4B-2.7%	$2.4B+25.1%	$1.9B+9.1%	$1.8B+17.0%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$150.0M-5.4%	$158.6M-1.1%	$160.4M-0.8%	$161.6M-0.9%	$163.1M-0.9%	$164.7M
Total Equity	$235.7M-29.0%	$332.0M-20.5%	$417.6M-20.3%	$523.9M-3.1%	$540.4M+0.6%	$537.1M
Retained Earnings	-$184.8M-146.7%	-$74.9M-1028.9%	-$6.6M-106.6%	$100.4M-28.6%	$140.5M-0.5%	$141.2M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$1.2B-12.5%	$1.3B+16.1%	$1.2B+9.2%	$1.1B-7.6%	$1.1B-20.4%	$1.4B-0.2%	$1.4B-49.0%	$2.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$267.9M-15.1%	$315.5M+88.7%	$167.2M+20.3%	$138.9M+25.1%	$111.1M+300.0%	$27.8M-70.0%	$92.6M+30.6%	$70.9M
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%	$59.5M-14.6%	$69.6M
Total Liabilities	$851.6M-19.2%	$1.1B+17.3%	$898.8M+0.6%	$893.6M-13.2%	$1.0B-22.8%	$1.3B-1.8%	$1.4B-55.0%	$3.0B
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	$150.0M	N/A	N/A	N/A	$150.0M
Total Equity	$327.2M+11.9%	$292.3M+12.0%	$260.9M+54.6%	$168.8M+39.9%	$120.6M+7.3%	$112.4M+25.0%	$89.9M+149.4%	-$182.0M
Retained Earnings	-$104.5M+23.7%	-$137.0M+16.2%	-$163.4M+31.2%	-$237.4M+5.7%	-$251.7M+4.0%	-$262.2M+6.3%	-$280.0M+48.7%	-$546.3M

ACIC Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$243.5M+182.4%	-$295.4M-2721.0%	-$10.5M-107.0%	$149.0M+478.5%	$25.8M-27.5%	$35.5M
Capital Expenditures	$22K-99.6%	$5.3M-51.4%	$10.8M-50.5%	$21.9M+438.2%	$4.1M-22.3%	$5.2M
Free Cash Flow	$243.5M+181.0%	-$300.7M-1310.3%	-$21.3M-116.8%	$127.1M+486.0%	$21.7M-28.4%	$30.3M
Investing Cash Flow	-$179.2M-171.3%	$251.4M+587.5%	$36.6M+207.6%	-$34.0M+73.0%	-$125.6M-1610.8%	-$7.3M
Financing Cash Flow	-$13.8M-13.4%	-$12.2M-4.7%	-$11.7M+3.7%	-$12.1M-256.6%	$7.7M-92.1%	$97.4M
Dividends Paid	$24.1M+132.9%	$10.3M+0.4%	$10.3M+0.3%	$10.3M+0.1%	$10.3M+14.2%	$9.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	N/A	N/A	$26.4M	N/A	N/A	N/A	-$104.2M	N/A
Capital Expenditures	N/A	N/A	$96K	N/A	N/A	N/A	$154K	N/A
Free Cash Flow	N/A	N/A	$26.3M	N/A	N/A	N/A	-$104.3M	N/A
Investing Cash Flow	N/A	N/A	$5.2M	N/A	N/A	N/A	-$37.2M	N/A
Financing Cash Flow	N/A	N/A	$309K	N/A	N/A	N/A	$0	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	$0	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

ACIC Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	33.6%+38.2pp	-4.6%+11.0pp	-15.6%-11.6pp	-4.0%-3.4pp	-0.6%-0.7pp	0.1%
Net Margin	25.5%+50.8pp	-25.3%-13.9pp	-11.4%-7.8pp	-3.6%-3.7pp	0.0%-1.5pp	1.6%
Return on Equity	32.1%	N/A	N/A	N/A	0.1%-1.8pp	1.9%
Return on Assets	6.2%+8.4pp	-2.1%+1.2pp	-3.4%-2.2pp	-1.2%-1.2pp	0.0%-0.5pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.64+0.2	0.48+0.1	0.38+0.1	0.310.0	0.300.0	0.31
FCF Margin	82.1%+213.5pp	-131.5%-128.9pp	-2.5%-17.9pp	15.4%+12.4pp	3.0%-1.6pp	4.6%

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	46.1%+4.3pp	41.8%+7.0pp	34.8%-8.3pp	43.1%+8.3pp	34.8%+5.5pp	29.4%-7.5pp	36.8%	N/A
Net Margin	35.9%+5.3pp	30.6%+1.0pp	29.6%-0.2pp	29.8%+9.6pp	20.1%-4.1pp	24.2%-271.8pp	295.9%	N/A
Return on Equity	9.9%+0.9pp	9.0%+0.9pp	8.2%-0.3pp	8.5%-0.3pp	8.8%-7.1pp	15.8%-281.5pp	297.3%	N/A
Return on Assets	2.8%+0.8pp	2.0%+0.1pp	1.8%+0.5pp	1.3%+0.4pp	0.9%-0.3pp	1.2%-17.2pp	18.5%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.60-1.0	3.61+0.2	3.45+2.6	0.89-7.6	8.53-3.3	11.86-3.2	15.10+15.9	-0.82
FCF Margin	N/A	N/A	36.5%	N/A	N/A	N/A	-115.5%	N/A

Financial Health Signals

Financial Profile 98/100

Profitability

100

Growth

100

Leverage

Liquidity

N/A

Cash Flow

100

Returns

100

Based on FY2024 annual data. Scores normalized against common benchmarks.

Piotroski F-Score Neutral

5/9

Financial strength trend (9 signals). 7-9 = strong, 0-3 = weak.

Earnings Quality Cash-Backed

3.22x

Operating cash flow vs net income. Above 1.0x = cash-backed earnings.

Interest Coverage Safe

8.3x

Operating income vs interest expense. Above 5x = safe, below 2x = risky.

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Frequently Asked Questions

What is American Coastal Insurance's annual revenue?

American Coastal Insurance (ACIC) reported $296.7M in total revenue for fiscal year 2024. This represents a 29.7% 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 29.7% year-over-year, from $228.7M to $296.7M in fiscal year 2024.

Is American Coastal Insurance profitable?

Yes, American Coastal Insurance (ACIC) reported a net income of $75.7M in fiscal year 2024, with a net profit margin of 25.5%.

What is American Coastal Insurance's earnings per share (EPS)?

American Coastal Insurance (ACIC) reported diluted earnings per share of $1.54 for fiscal year 2024. This represents a 214.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is American Coastal Insurance's EBITDA?

American Coastal Insurance (ACIC) had EBITDA of $104.4M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does American Coastal Insurance have?

As of fiscal year 2024, American Coastal Insurance (ACIC) had $137.0M 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 33.6% in fiscal year 2024, 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 25.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is American Coastal Insurance's return on equity (ROE)?

American Coastal Insurance (ACIC) has a return on equity of 32.1% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is American Coastal Insurance's free cash flow?

American Coastal Insurance (ACIC) generated $243.5M in free cash flow during fiscal year 2024. This represents a 181.0% 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 $243.5M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are American Coastal Insurance's total assets?

American Coastal Insurance (ACIC) had $1.2B in total assets as of fiscal year 2024, including both current and long-term assets.

What are American Coastal Insurance's capital expenditures?

American Coastal Insurance (ACIC) invested $22K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does American Coastal Insurance have outstanding?

American Coastal Insurance (ACIC) had 48M shares outstanding as of fiscal year 2024.

What is American Coastal Insurance's debt-to-equity ratio?

American Coastal Insurance (ACIC) had a debt-to-equity ratio of 0.64 as of fiscal year 2024, 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 6.2% for fiscal year 2024, 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 5 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.

Are American Coastal Insurance's earnings high quality?

American Coastal Insurance (ACIC) has an earnings quality ratio of 3.22x, considered cash-backed (high 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.

Can American Coastal Insurance cover its interest payments?

American Coastal Insurance (ACIC) has an interest coverage ratio of 8.3x, 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.

How financially healthy is American Coastal Insurance?

American Coastal Insurance (ACIC) scores 98 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.