American Coastal Insurance Corporation (ACIC) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ACIC SEC filings page.
American Coastal Insurance Corporation (ACIC) reported $330.6M in revenue over the twelve months to Jun 30, 2026, up 3.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
The dominant mechanic is sustained operating-margin expansion alongside liability reduction, with growth not dependent on additional long-term debt.
Cash conversion changed character: FY2023’s$310M net income sat beside-$136M operating cash flow, so reported profit was not then translating into cash. That relationship reversed in FY2024, but by FY2025 the gap reopened, making the strong 2024 conversion appear episodic rather than a stable operating pattern.
Operating margin widened from
Liabilities fell to
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of American Coastal Insurance Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. American Coastal Insurance Corporation scores 93/100 on it among other insurers.
American Coastal Insurance Corporation reported revenue of $335.4M in fiscal year 2025, against $296.7M in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and American Coastal Insurance Corporation scores 84/100 among other insurers.
American Coastal Insurance Corporation funded 29.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $317.6M of equity against $1.1B of assets. Capital ranks insurers on that cushion, and American Coastal Insurance Corporation scores 67/100 among other insurers.
Not available for American Coastal Insurance Corporation, and counted as zero in the overall score.
Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. American Coastal Insurance Corporation scores 93/100 on it among other insurers.
American Coastal Insurance Corporation reported net income of $106.8M in fiscal year 2025, against $75.7M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and American Coastal Insurance Corporation scores 2/100 among other insurers.
American Coastal Insurance Corporation passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 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 Corporation 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 Corporation earns $12.97 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 Corporation generated $82.6M in revenue in Q2 2026. This represents a decrease of 4.5% from the same quarter a year earlier. Against the prior quarter it is up 16.0%.
American Coastal Insurance Corporation's EBITDA was $28.5M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 23.3% from the same quarter a year earlier. Against the prior quarter it is up 10.9%.
American Coastal Insurance Corporation reported $21.9M in net income in Q2 2026. This represents a decrease of 17.2% from the same quarter a year earlier. Against the prior quarter it is up 13.7%.
American Coastal Insurance Corporation earned $0.44 per diluted share (EPS) in Q2 2026. This represents a decrease of 17.0% from the same quarter a year earlier. Against the prior quarter it is up 12.8%.
Cash & Balance Sheet
American Coastal Insurance Corporation generated $58.3M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 54.5% from the same quarter a year earlier. Against the prior quarter it is up 1092.2%.
American Coastal Insurance Corporation held $218.9M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
American Coastal Insurance Corporation's operating margin was 34.4% in Q2 2026, reflecting core business profitability. This is down 7.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.4 percentage points.
American Coastal Insurance Corporation's net profit margin was 26.5% in Q2 2026, showing the share of revenue converted to profit. This is down 4.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.
American Coastal Insurance Corporation's ROE was 6.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 2.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.
Not reported for Q2 2026.
Capital Allocation
American Coastal Insurance Corporation invested $235K in capex in Q2 2026, funding long-term assets and infrastructure. Against the prior quarter it is up 72.8%.
Not reported for Q2 2026.
Not reported for Q2 2026.
ACIC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $82.6M-4.5% | $71.2M-1.4% | $86.4M+9.0% | $90.4M+10.1% | $86.5M+25.9% | $72.2M+8.4% | $79.3M+65.1% | $82.1M+56.4% |
| SG&A Expenses | $10.3M+32.0% | $10.7M+12.6% | $11.9M+5.2% | $11.3M+10.0% | $7.8M-34.8% | $9.5M-15.5% | $11.3M-31.0% | $10.3M+71.2% |
| Operating Income | $28.5M-21.3% | $25.5M+1.7% | $37.3M+318.9% | $41.7M+15.6% | $36.2M+50.2% | $25.1M-17.8% | $8.9M-57.0% | $36.1M+97.1% |
| EBITDA | $28.5M-23.3% | $25.7M-1.7% | $38.1M+280.9% | $42.6M+14.4% | $37.2M+46.8% | $26.2M-17.8% | $10.0M-49.7% | $37.3M+100.5% |
| Interest Expense | $2.3M-13.8% | $2.3M-13.7% | $2.7M-4.5% | $2.7M-11.3% | $2.7M-20.6% | $2.7M-0.1% | $2.8M+2.4% | $3.1M+12.8% |
| Income Tax | $6.5M-31.6% | $6.5M+0.2% | $10.1M+233.0% | $9.9M+11.7% | $9.5M+63.7% | $6.5M-15.4% | $3.0M-5.7% | $8.8M+190.9% |
| Net Income | $21.9M-17.2% | $19.3M-9.8% | $26.6M+437.1% | $32.5M+15.5% | $26.4M+38.8% | $21.3M-9.5% | $4.9M-65.4% | $28.1M+166.1% |
| EPS (Basic) | $0.46-16.4% | $0.40-9.1% | $0.54+440.0% | $0.67+13.6% | $0.55+37.5% | $0.44-12.0% | $0.10-63.0% | $0.59+145.8% |
| EPS (Diluted) | $0.44-17.0% | $0.39-9.3% | $0.54+440.0% | $0.65+14.0% | $0.53+35.9% | $0.43-10.4% | $0.10-60.0% | $0.57+137.5% |
| Diluted Shares (Avg) | 49M-0.7% | 50M+0.5% | N/A | 50M+0.8% | 50M+0.5% | 50M+1.2% | N/A | 50M+12.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
ACIC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.2B-7.7% | $997.0M-14.0% | $1.1B-11.8% | $1.2B+3.1% | $1.3B+2.7% | $1.2B+7.6% | $1.2B+14.5% | $1.1B-0.5% |
| Cash & Equivalents | $218.9M-30.6% | $117.0M-30.0% | $198.8M+45.0% | $267.9M+46.3% | $315.5M+37.5% | $167.2M-41.4% | $137.0M-1.4% | $183.1M+64.9% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $37.3M+26.2% | $41.7M+76.4% | $40.1M+69.6% | $36.8M+39.5% | $29.6M-4.9% | $23.6M+66.1% | $23.6M+43.3% | $26.4M+915.5% |
| Goodwill | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% | $59.5M0.0% |
| Total Liabilities | $903.0M-14.4% | $665.3M-26.0% | $755.2M-23.0% | $851.6M-3.7% | $1.1B-3.1% | $898.8M+2.9% | $980.5M+9.7% | $884.3M-14.1% |
| Long-Term Debt | N/A | N/A | $150.0M0.0% | N/A | N/A | N/A | $150.0M0.0% | N/A |
| Total Equity | $340.8M+16.6% | $331.7M+27.1% | $317.6M+34.8% | $327.2M+26.1% | $292.3M+31.0% | $260.9M+27.9% | $235.7M+39.6% | $259.6M+115.2% |
| Retained Earnings | -$73.4M+46.4% | -$95.3M+41.7% | -$114.5M+38.0% | -$104.5M+36.9% | -$137.0M+29.3% | -$163.4M+23.6% | -$184.8M+22.2% | -$165.6M+34.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
ACIC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $58.5M-54.3% | -$5.7M-121.7% | -$47.8M-3080.8% | -$35.6M-296.6% | $127.9M+1.2% | $26.4M-78.8% | $1.6M-96.7% | -$9.0M-118.7% |
| Depreciation & Amortization | $57K-94.3% | $168K-83.7% | $834K-24.7% | $937K-23.1% | $998K-20.4% | $1.0M-19.2% | $1.1M+134.2% | $1.2M+311.5% |
| Stock-Based Compensation | N/A | $1.1M+54.0% | N/A | N/A | N/A | $733K+71.3% | N/A | N/A |
| Capital Expenditures | $235K | $136K+41.7% | $59K+436.4% | $0-100.0% | $0 | $96K | $11K | $11K-85.7% |
| Free Cash Flow | $58.3M-54.5% | -$5.9M-122.3% | -$47.8M-3105.1% | -$35.6M-296.2% | $127.9M+1.2% | $26.3M-78.8% | $1.6M-96.7% | -$9.0M-118.8% |
| Investing Cash Flow | $34.2M+39.5% | -$6.6M-226.7% | -$16.7M-2.3% | -$12.5M-23.5% | $24.6M+116.3% | $5.2M+359.6% | -$16.3M+52.4% | -$10.1M-292.3% |
| Financing Cash Flow | -$14.5M-3211.2% | -$41.6M-13554.4% | -$1.9M+92.7% | $0-100.0% | $465K+675.0% | $309K-97.3% | -$25.5M-195.2% | $163K+328.9% |
| Dividends Paid | $0 | $36.6M | N/A | N/A | $0 | $0 | N/A | N/A |
Not reported in any period shown, so not listed: Share Buybacks.
ACIC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 34.4%-7.4pp | 35.9%+1.1pp | 43.1%+31.9pp | 46.1%+2.2pp | 41.8%+6.8pp | 34.8%-11.1pp | 11.2%-31.9pp | 43.9%+9.1pp |
| Net Margin | 26.5%-4.1pp | 27.0%-2.5pp | 30.8%+24.5pp | 35.9%+1.7pp | 30.6%+2.8pp | 29.6%-5.9pp | 6.2%-23.5pp | 34.2%+14.1pp |
| Return on Equity | 6.4%-2.6pp | 5.8%-2.4pp | 8.4%+6.3pp | 9.9%-0.9pp | 9.0%+0.5pp | 8.2%-3.4pp | 2.1%-6.4pp | 10.8%+2.1pp |
| Return on Assets | 1.8%-0.2pp | 1.9%+0.1pp | 2.5%+2.1pp | 2.8%+0.3pp | 2.0%+0.5pp | 1.8%-0.3pp | 0.4%-0.9pp | 2.5%+1.5pp |
| Debt-to-Equity | 2.65-1.0x | 2.01-1.4x | 0.47-0.2x | 2.60-0.8x | 3.61-1.3x | 3.45-0.8x | 0.64-0.3x | 3.41-5.1x |
| Asset Turnover | 0.070.0x | 0.070.0x | 0.080.0x | 0.080.0x | 0.060.0x | 0.060.0x | 0.070.0x | 0.070.0x |
| FCF Margin | 70.5% | -8.2%-44.7pp | -55.4%-57.4pp | -39.4%-28.5pp | 148.0% | 36.5% | 2.0% | -10.9%-102.0pp |
Not reported in any period shown, so not listed: Gross Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| American Coastal Insurance Corporation ACIC | FY2025 | $335.4M | $106.8M | 31.9% | $441.0M | 57/100 |
| UNIVERSAL INSURANCE HLDG, INC. UVE | FY2025 | $1.6B | $183.0M | 11.4% | $1.2B | 28/100 |
| Donegal Group Inc DGICA | FY2025 | $978.0M | $79.3M | 8.1% | $674.5M | 37/100 |
| Donegal Group Inc DGICB | FY2025 | $978.0M | $79.3M | 8.1% | $625.8M | 37/100 |
| Global Indemnity Group, LLC GBLI | FY2025 | $450.1M | $25.3M | 5.6% | $360.7M | 49/100 |
| United Fire Group Inc. UFCS | FY2025 | $1.4B | $118.2M | 8.5% | $1.4B | 41/100 |
Where American Coastal Insurance Corporation Ranks
Frequently Asked Questions
What is American Coastal Insurance Corporation's annual revenue?
American Coastal Insurance Corporation (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 Corporation's revenue growing?
American Coastal Insurance Corporation (ACIC) revenue grew by 13.1% year-over-year, from $296.7M to $335.4M in fiscal year 2025.
Is American Coastal Insurance Corporation profitable?
Yes, American Coastal Insurance Corporation (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 Corporation's EBITDA?
American Coastal Insurance Corporation (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 Corporation have?
As of fiscal year 2025, American Coastal Insurance Corporation (ACIC) had $198.8M in cash and equivalents against $150.0M in long-term debt.
What is American Coastal Insurance Corporation's operating margin?
American Coastal Insurance Corporation (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 Corporation's net profit margin?
American Coastal Insurance Corporation (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 Corporation pay dividends?
Yes, American Coastal Insurance Corporation (ACIC) paid $0.75 per share in dividends during fiscal year 2025.
What is American Coastal Insurance Corporation's return on equity (ROE)?
American Coastal Insurance Corporation (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 Corporation's free cash flow?
American Coastal Insurance Corporation (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 Corporation's operating cash flow?
American Coastal Insurance Corporation (ACIC) generated $71.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are American Coastal Insurance Corporation's total assets?
American Coastal Insurance Corporation (ACIC) had $1.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are American Coastal Insurance Corporation's capital expenditures?
American Coastal Insurance Corporation (ACIC) invested $155K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is American Coastal Insurance Corporation's debt-to-equity ratio?
American Coastal Insurance Corporation (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 Corporation's return on assets (ROA)?
American Coastal Insurance Corporation (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 Corporation's P/E ratio?
American Coastal Insurance Corporation (ACIC) trades at 4.4x earnings, its market capitalization divided by net income of $100.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $441.0M as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is American Coastal Insurance Corporation's price-to-sales ratio?
American Coastal Insurance Corporation (ACIC) trades at 1.3x sales, its market capitalization divided by revenue of $330.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $441.0M as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is American Coastal Insurance Corporation's Piotroski F-Score?
American Coastal Insurance Corporation (ACIC) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are American Coastal Insurance Corporation's earnings high quality?
American Coastal Insurance Corporation (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 Corporation cover its interest payments?
American Coastal Insurance Corporation (ACIC) has an interest coverage ratio of 12.97x, 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 Corporation?
American Coastal Insurance Corporation (ACIC) scores 57 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.