American Coastal Insurance Financials
American Coastal Insurance (ACIC) reported $335.4M in revenue for fiscal year 2025, up 13.1% from the prior fiscal year. 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).
Cash-backed profitability and balance-sheet repair now matter more than simple revenue growth in this recovery story.
The key change is not just higher FY2025 earnings: after FY2023 posted net income of$309.9M while burning-$136.0M of operating cash, FY2024-FY2025 produced profit and cash in the same direction. With FY2025 net income at$106.8M and operating cash flow at$71.0M , earnings quality looks less dependent on non-cash balance-sheet movements than it did during the rebound.
This is a low-capex model: FY2025 capital spending was only
The balance sheet has also moved from negative equity in FY2022 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'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.
Not available for American Coastal Insurance, and counted as zero in the overall score.
American Coastal Insurance 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 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 $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 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.
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.
Not reported for fiscal year 2025.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
ACIC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $330.6M | $335.4M+13.1% | $296.7M+12.2% | $264.4M+19.3% | $221.7M-3.1% | $228.7M-73.0% | $846.7M+2.6% | $825.1M+14.0% | $723.9M+10.6% | $654.4M+34.3% | $487.1M+36.2% | $357.6M+27.6% | $280.2M+34.7% | $208.1M+58.6% | $131.2M+36.1% | $96.4M |
| SG&A Expenses | $44.1M | $40.5M-9.6% | $44.8M+19.2% | $37.6M-14.1% | $43.7M+39.2% | $31.4M-56.4% | $72.1M+9.2% | $66.0M-0.2% | $66.1M-19.1% | $81.8M+90.3% | $43.0M+43.9% | $29.9M+49.2% | $20.0M+37.5% | $14.6M+24.0% | $11.7M+21.3% | $9.7M |
| Operating Income | $133.0M | $140.3M+40.8% | $99.6M+6.1% | $93.9M+1183.6% | -$8.7M+17.9% | -$10.5M+92.0% | -$132.2M-303.9% | -$32.7M-651.4% | -$4.4M-675.3% | $757K-89.0% | $6.9M-83.4% | $41.6M-35.4% | $64.3M+86.5% | $34.5M+126.4% | $15.2M+15.4% | $13.2M |
| Interest Expense | $10.1M | $10.8M-9.8% | $12.0M+10.3% | $10.9M+14.7% | $9.5M+1.9% | $9.3M-2.9% | $9.6M-2.0% | $9.8M-0.9% | $9.9M+203.8% | $3.2M+349.1% | $723K+121.8% | $326K-20.5% | $410K+11.7% | $367K+3.4% | $355K-35.2% | $548K |
| Income Tax | $32.9M | $35.9M+41.8% | $25.3M+133.0% | $10.9M-58.5% | $26.2M+491.6% | -$6.7M+81.7% | -$36.6M-1072.9% | -$3.1M+32.6% | -$4.6M+49.8% | -$9.2M-807.7% | $1.3M-91.0% | $14.5M-38.0% | $23.4M+65.4% | $14.1M+135.4% | $6.0M+21.9% | $4.9M |
| Net Income | $100.2M | $106.8M+41.1% | $75.7M-75.6% | $309.9M+166.0% | -$469.9M-711.2% | -$57.9M+40.0% | -$96.5M-222.9% | -$29.9M-10400.7% | $290K-97.1% | $10.1M+78.0% | $5.7M-79.2% | $27.4M-33.3% | $41.0M+101.6% | $20.3M+109.6% | $9.7M+20.0% | $8.1M |
| EPS (Diluted) | — | $2.15+39.6% | $1.54-77.9% | $6.98+164.0% | -$10.91-708.1% | -$1.35+40.0% | -$2.25-221.4% | -$0.70-7100.0% | $0.01-96.3% | $0.27 | $0.26-79.7% | $1.28-37.6% | $2.05+62.7% | $1.26 | $0.91+18.2% | $0.77 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ACIC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B-11.8% | $1.2B+14.5% | $1.1B-62.6% | $2.8B+5.1% | $2.7B-5.3% | $2.8B+15.5% | $2.5B+6.3% | $2.3B+12.7% | $2.1B+106.1% | $999.7M+35.1% | $740.0M+26.7% | $584.2M+32.4% | $441.2M+40.7% | $313.6M+30.6% | $240.2M |
| Cash & Equivalents | $198.8M+45.0% | $137.0M-1.4% | $138.9M+95.9% | $70.9M-66.6% | $212.0M-11.4% | $239.4M+11.1% | $215.5M+91.2% | $112.7M-50.9% | $229.6M+52.3% | $150.7M+77.7% | $84.8M+38.1% | $61.4M+76.0% | $34.9M-51.0% | $71.2M+71.0% | $41.6M |
| Goodwill | $59.5M0.0% | $59.5M0.0% | $59.5M-14.6% | $69.6M-4.7% | $73.0M0.0% | $73.0M0.0% | $73.0M0.0% | $73.0M0.0% | $73.0M+412.5% | $14.3M+317.6% | $3.4M | $0 | N/A | N/A | N/A |
| Total Liabilities | $755.2M-23.0% | $980.5M+9.7% | $893.6M-70.4% | $3.0B+27.6% | $2.4B-2.7% | $2.4B+25.1% | $1.9B+9.1% | $1.8B+17.0% | $1.5B+100.8% | $758.4M+51.4% | $500.8M+31.7% | $380.4M+14.0% | $333.6M+47.9% | $225.6M+21.8% | $185.2M |
| Long-Term Debt | $150.0M0.0% | $150.0M0.0% | $150.0M0.0% | $150.0M-5.4% | $158.6M-1.1% | $160.4M-0.8% | $161.6M-0.9% | $163.1M-0.9% | $164.7M+203.9% | $54.2M+338.6% | $12.4M-8.7% | $13.5M-8.0% | $14.7M-7.4% | $15.9M | N/A |
| Total Equity | $317.6M+34.8% | $235.7M+39.6% | $168.8M+192.7% | -$182.0M-158.3% | $312.4M-21.1% | $395.8M-21.3% | $503.1M-3.3% | $520.2M-3.1% | $537.1M+122.6% | $241.3M+0.9% | $239.2M+17.4% | $203.8M+89.4% | $107.6M+22.3% | $88.0M+60.0% | $55.0M |
| Retained Earnings | -$114.5M+38.0% | -$184.8M+22.2% | -$237.4M+56.5% | -$546.3M-629.3% | -$74.9M-1028.9% | -$6.6M-106.6% | $100.4M-28.6% | $140.5M-0.5% | $141.2M-0.3% | $141.6M+0.5% | $140.9M+19.6% | $117.8M+47.0% | $80.1M+29.8% | $61.7M+16.5% | $53.0M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$30.6M | $71.0M-70.8% | $243.5M+279.0% | -$136.0M+21.4% | -$173.1M+41.4% | -$295.4M-2721.0% | -$10.5M-107.0% | $149.0M+478.5% | $25.8M-27.5% | $35.5M-45.9% | $65.7M-33.1% | $98.3M+42.7% | $68.9M-37.2% | $109.8M+209.1% | $35.5M-8.1% | $38.6M |
| Capital Expenditures | $430K | $155K+604.5% | $22K-88.8% | $196K-93.6% | $3.0M-42.2% | $5.3M-51.4% | $10.8M-50.5% | $21.9M+438.2% | $4.1M-22.3% | $5.2M+66.3% | $3.1M-71.2% | $10.9M+72.0% | $6.3M+239.9% | $1.9M+313.1% | $452K+2160.0% | $20K |
| Free Cash Flow | -$31.0M | $70.9M-70.9% | $243.5M+278.8% | -$136.2M+22.7% | -$176.2M+41.4% | -$300.7M-1310.3% | -$21.3M-116.8% | $127.1M+486.0% | $21.7M-28.4% | $30.3M-51.6% | $62.6M-28.4% | $87.4M+39.7% | $62.6M-42.0% | $107.9M+207.7% | $35.1M-9.2% | $38.6M |
| Investing Cash Flow | -$1.5M | $620K+100.3% | -$179.2M-6944.5% | -$2.5M-101.1% | $236.8M-5.8% | $251.4M+587.5% | $36.6M+207.6% | -$34.0M+73.0% | -$125.6M-1610.8% | -$7.3M+85.2% | -$49.8M+25.8% | -$67.0M+26.7% | -$91.5M+37.4% | -$146.2M-439.4% | -$27.1M+60.2% | -$68.2M |
| Financing Cash Flow | -$57.9M | -$1.1M+92.2% | -$13.8M-151.7% | $26.8M+205.4% | -$25.4M-108.0% | -$12.2M-4.7% | -$11.7M+3.7% | -$12.1M-256.6% | $7.7M-92.1% | $97.4M+95.1% | $49.9M+731.1% | -$7.9M-116.1% | $49.1M+68985.9% | $71K-99.7% | $21.1M+4338.1% | -$499K |
| Dividends Paid | N/A | $0-100.0% | $24.1M | $0-100.0% | $2.6M-75.0% | $10.3M+0.4% | $10.3M+0.3% | $10.3M+0.1% | $10.3M+14.2% | $9.0M+80.8% | $5.0M+15.6% | $4.3M+29.0% | $3.3M+71.6% | $1.9M+98.0% | $982K+89.6% | $518K |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0 | $0-100.0% | $431K |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ACIC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 41.8%+8.3pp | 33.6%-1.9pp | 35.5%+39.4pp | -3.9%+0.7pp | -4.6%+11.0pp | -15.6%-11.6pp | -4.0%-3.4pp | -0.6%-0.7pp | 0.1%-1.3pp | 1.4%-10.2pp | 11.6%-11.3pp | 23.0%+6.4pp | 16.6%+5.0pp | 11.6%-2.1pp | 13.7% |
| Net Margin | 31.9%+6.3pp | 25.5% | 117.2% | -212.0% | -25.3%-13.9pp | -11.4%-7.8pp | -3.6%-3.7pp | 0.0%-1.5pp | 1.6%+0.4pp | 1.2%-6.5pp | 7.6%-7.0pp | 14.6%+4.9pp | 9.8%+2.4pp | 7.4%-1.0pp | 8.4% |
| Return on Equity | 33.6%+1.5pp | 32.1%-151.5pp | 183.6% | N/A | -18.5%+5.8pp | -24.4%-18.4pp | -5.9%-6.0pp | 0.1%-1.8pp | 1.9%-0.5pp | 2.4%-9.1pp | 11.4%-8.7pp | 20.1%+1.2pp | 18.9%+7.9pp | 11.0%-3.7pp | 14.7% |
| Return on Assets | 10.0%+3.7pp | 6.2%-22.9pp | 29.2%+45.7pp | -16.6%-14.4pp | -2.1%+1.2pp | -3.4%-2.2pp | -1.2%-1.2pp | 0.0%-0.5pp | 0.5%-0.1pp | 0.6%-3.1pp | 3.7%-3.3pp | 7.0%+2.4pp | 4.6%+1.5pp | 3.1%-0.3pp | 3.4% |
| Debt-to-Equity | 0.47-0.2x | 0.64-0.3x | 0.89 | N/A | 0.51+0.1x | 0.41+0.1x | 0.320.0x | 0.310.0x | 0.31+0.1x | 0.22+0.2x | 0.050.0x | 0.07-0.1x | 0.140.0x | 0.18-3.2x | 3.37 |
| FCF Margin | 21.1%-60.9pp | 82.1%+133.6pp | -51.5%+28.0pp | -79.5% | -131.5% | -2.5%-17.9pp | 15.4%+12.4pp | 3.0%-1.6pp | 4.6%-8.2pp | 12.8%-11.6pp | 24.4%+2.1pp | 22.3%-29.5pp | 51.8%+25.1pp | 26.7%-13.3pp | 40.1% |
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: Net Margin, FCF Margin.
Similar Companies
Where American Coastal Insurance Ranks
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 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'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 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?
American Coastal Insurance (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.