NASDAQ : ACIC
American Coastal Insurance Corporation — Financial statements
Financials · Insurance - Property & Casualty · United States
Last price 10.92 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 509.81M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 280.08M | 306.85M | 273.99M | 262.06M | 222.93M | 221.13M |
| Total Interest & Dividend Income | 21.85M | 22.21M | 20.80M | 8.30M | 6.04M | 5.90M |
| Gain (Loss) on Sale of Investments | 8.97M | 6.38M | 1.87M | -5.97M | -8.48M | 1.61M |
| Other Revenue | 15.00K | 1.18M | 46.00K | |||
| Total Revenue | 310.90M | 335.44M | 296.66M | 264.40M | 221.67M | 228.69M |
| Policy Benefits | 46.94M | 46.04M | 69.32M | 46.68M | 96.11M | 89.05M |
| Policy Acquisition & Underwriting Costs | 94.61M | 97.84M | 70.99M | 75.44M | 81.00M | 93.20M |
| Selling, General & Administrative | 46.84M | 44.96M | 44.76M | 37.56M | 43.75M | 47.68M |
| Total Operating Expenses | 188.40M | 188.85M | 185.06M | 159.67M | 220.85M | 229.93M |
| Operating Income | 122.50M | 146.59M | 111.59M | 104.73M | 822.00K | -1.24M |
| Interest Expense | -9.69M | -10.81M | -12.00M | -10.88M | -9.48M | -9.30M |
| Other Non Operating Income (Expenses) | -573.00K | 2.46M | 2.06M | 2.23M | -2.56M | 129.00K |
| EBT Excluding Unusual Items | 112.24M | 138.23M | 101.66M | 96.08M | -11.22M | -10.42M |
| Gain (Loss) on Sale of Assets | 12.90M | |||||
| Other Unusual Items | 4.50M | 4.50M | ||||
| Pretax Income | 116.74M | 142.73M | 101.66M | 96.08M | 1.68M | -10.42M |
| Income Tax Expense | 29.63M | 35.94M | 25.34M | 10.88M | 26.23M | -6.70M |
| Earnings From Continuing Ops. | 87.11M | 106.80M | 76.32M | 85.20M | -24.55M | -3.72M |
| Earnings From Discontinued Ops. | 42.00K | -601.00K | 224.71M | -445.41M | -56.15M | |
| Net Income to Company | 87.11M | 106.84M | 75.72M | 309.91M | -469.97M | -59.87M |
| Minority Interest in Earnings | 111.00K | 1.95M | ||||
| Net Income | 87.11M | 106.84M | 75.72M | 309.91M | -469.86M | -57.92M |
| Net Income to Common | 87.11M | 106.84M | 75.72M | 309.91M | -469.86M | -57.92M |
| Shares Outstanding (Basic) | 48.12M | 48.48M | 47.83M | 43.60M | 43.05M | 42.95M |
| Shares Outstanding (Diluted) | 49.35M | 49.78M | 49.36M | 44.39M | 43.05M | 42.95M |
| EPS (Basic) | 1.81 | 2.20 | 1.58 | 7.11 | -10.91 | -1.35 |
| EPS (Diluted) | 1.77 | 2.15 | 1.54 | 6.98 | -10.91 | -1.35 |
| Free Cash Flow | 70.87M | 243.49M | -136.20M | -176.16M | -300.66M | |
| Free Cash Flow Per Share | 1.42 | 4.93 | -3.07 | -4.09 | -7.00 | |
| Dividend Per Share | 0.06 | 0.24 | ||||
| Operating Margin | 39.40% | 43.70% | 37.62% | 39.61% | 0.37% | -0.54% |
| Profit Margin | 28.02% | 31.85% | 25.52% | 117.21% | -211.96% | -25.33% |
| Free Cash Flow Margin | 21.13% | 82.08% | -51.51% | -79.47% | -131.47% | |
| EBITDA | 125.95M | 152.83M | 120.13M | 111.81M | 9.03M | 7.84M |
| EBITDA Margin | 40.51% | 45.56% | 40.49% | 42.29% | 4.07% | 3.43% |
| D&A For EBITDA | 3.44M | 6.24M | 8.54M | 7.08M | 8.21M | 9.08M |
| EBIT | 122.50M | 146.59M | 111.59M | 104.73M | 822.00K | -1.24M |
| EBIT Margin | 39.40% | 43.70% | 37.62% | 39.61% | 0.37% | -0.54% |
| Effective Tax Rate | 25.38% | 25.18% | 24.93% | 11.32% | 1,560.56% | |
| Revenue as Reported | 310.90M | 335.44M | 296.66M | 264.40M | 221.67M | 228.69M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 222.34M | 253.15M | 281.00M | 138.39M | 204.68M | 659.50M |
| Investments in Equity & Preferred Securities | 56.49M | 73.80M | 39.92M | 2.48M | 19.21M | 59.69M |
| Other Investments | 38.13M | 21.10M | 20.49M | 14.00M | 125.00K | 381.00K |
| Total Investments | 316.96M | 354.89M | 341.42M | 154.87M | 224.01M | 719.57M |
| Cash & Equivalents | 294.69M | 198.76M | 137.04M | 138.93M | 70.90M | 212.02M |
| Reinsurance Recoverable | 69.82M | 128.21M | 263.42M | 340.82M | 796.55M | 997.12M |
| Other Receivables | 54.26M | 73.60M | 49.53M | 47.69M | 40.91M | 82.46M |
| Deferred Policy Acquisition Cost | 45.39M | 37.81M | 40.28M | 21.15M | 52.37M | 38.52M |
| Property, Plant & Equipment | 910.00K | 3.68M | 8.95M | 4.22M | 6.49M | 32.26M |
| Goodwill | 59.48M | 59.48M | 59.48M | 59.48M | 59.48M | 73.05M |
| Other Intangible Assets | 1.59M | 3.47M | 5.91M | 8.55M | 12.85M | 19.36M |
| Restricted Cash | 96.24M | 94.09M | 62.36M | 18.07M | 45.99M | 33.25M |
| Other Current Assets | 168.28M | 109.70M | 234.14M | 232.44M | 1.53B | 430.63M |
| Long-Term Deferred Tax Assets | 2.93M | 5.30M | 23.91M | |||
| Other Long-Term Assets | 9.99M | 9.04M | 10.68M | 30.86M | 2.64M | 36.41M |
| Total Assets | 1.12B | 1.07B | 1.22B | 1.06B | 2.84B | 2.70B |
| Accounts Payable | 96.00M | 112.78M | 86.14M | 74.78M | 74.39M | 76.26M |
| Unpaid Claims | 95.22M | 165.70M | 322.09M | 347.74M | 842.96M | 1.08B |
| Unearned Premiums | 271.09M | 249.62M | 285.35M | 276.16M | 258.98M | 644.94M |
| Reinsurance Payable | 138.81M | 66.84M | 83.13M | 30.50M | 248.62M | |
| Current Portion of Leases | 398.00K | 2.00K | ||||
| Long-Term Debt | 149.60M | 149.35M | 149.02M | 148.69M | 148.35M | 156.56M |
| Long-Term Leases | 2.97M | 2.74M | 3.32M | 739.00K | 1.69M | 1.95M |
| Long-Term Deferred Tax Liabilities | 7.55M | 177.00K | ||||
| Other Current Liabilities | 49.94M | 44.13M | 1.65B | |||
| Other Long-Term Liabilities | 8.24M | 188.00K | 1.46M | 1.38M | 7.67M | 153.83M |
| Total Liabilities | 761.93M | 755.17M | 980.45M | 893.61M | 3.02B | 2.37B |
| Common Stock | 5.00K | 5.00K | 5.00K | 5.00K | 4.00K | 4.00K |
| Additional Paid-In Capital | 442.19M | 439.74M | 436.52M | 423.72M | 395.63M | 394.27M |
| Retained Earnings | -53.96M | -114.51M | -184.77M | -237.39M | -546.30M | -74.90M |
| Treasury Stock | -19.87M | -431.00K | -431.00K | -431.00K | -431.00K | -431.00K |
| Comprehensive Income & Other | -12.68M | -7.24M | -15.67M | -17.14M | -30.95M | -6.53M |
| Total Common Equity | 355.68M | 317.56M | 235.66M | 168.76M | -182.04M | 312.41M |
| Minority Interest | 19.55M | |||||
| Shareholders' Equity | 355.68M | 317.56M | 235.66M | 168.76M | -182.04M | 331.96M |
| Total Liabilities & Equity | 1.12B | 1.07B | 1.22B | 1.06B | 2.84B | 2.70B |
| Filing Date Shares Outstanding | 46.69M | 48.08M | 47.64M | 47.35M | 42.60M | 42.98M |
| Total Common Shares Outstanding | 46.69M | 48.19M | 47.60M | 46.33M | 42.57M | 42.81M |
| Total Debt | 152.57M | 152.49M | 152.34M | 149.43M | 150.05M | 158.51M |
| Net Cash (Debt) | 142.12M | 46.27M | -15.31M | -10.50M | -79.14M | 53.51M |
| Net Cash Per Share | 2.88 | 0.93 | -0.31 | -0.24 | -1.84 | 1.25 |
| Book Value Per Share | 7.62 | 6.59 | 4.95 | 3.64 | -4.28 | 7.30 |
| Tangible Book Value | 294.61M | 254.62M | 170.28M | 100.74M | -254.37M | 220.00M |
| Tangible Book Value Per Share | 6.31 | 5.28 | 3.58 | 2.17 | -5.98 | 5.14 |
| Land | 2.11M | |||||
| Buildings | 9.21M | |||||
| Machinery | 9.02M | 14.36M | 8.67M | 10.58M | 44.74M | |
| Leasehold Improvements | 96.00K | 311.00K | 753.00K | 753.00K |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 106.84M | 75.72M | 309.91M | -469.86M | -57.92M | |
| Depreciation & Amortization | 6.24M | 8.54M | 7.08M | 8.21M | 9.08M | |
| Other Amortization | 333.00K | 332.00K | 337.00K | |||
| Gain (Loss) on Sale of Assets | 328.00K | -588.00K | -12.89M | |||
| Gain (Loss) on Sale of Investments | -3.74M | -1.06M | 3.59M | 44.29M | 2.01M | |
| Stock-Based Compensation | 4.30M | 2.54M | 1.32M | 1.39M | 1.19M | |
| Change in Accounts Receivable | -25.43M | -920.00K | 16.05M | -6.83M | 8.06M | |
| Reinsurance Recoverable | 135.25M | 77.40M | 741.14M | -634.25M | -175.79M | |
| Change in Accounts Payable | -10.89M | 11.91M | 2.14M | -1.75M | -14.91M | |
| Change in Unearned Revenue | -32.40M | 12.54M | -154.11M | -99.12M | -79.00M | |
| Change in Insurance Reserves / Liabilities | -156.49M | -26.64M | -656.29M | 963.02M | 31.10M | |
| Change in Other Net Operating Assets | 53.71M | 18.44M | -174.17M | 198.08M | -31.18M | |
| Other Operating Activities | 11.65M | -2.22M | 15.58M | 30.71M | -33.53M | |
| Operating Cash Flow | 71.03M | 243.51M | -136.00M | -173.11M | -295.39M | |
| Capital Expenditures | -155.00K | -22.00K | -196.00K | -3.05M | -5.27M | |
| Sale of Property, Plant & Equipment | 629.00K | 21.24M | ||||
| Investment in Securities | -3.72M | -179.19M | 229.60M | 218.65M | 256.65M | |
| Investing Cash Flow | 620.00K | -179.21M | -2.54M | 236.84M | 251.38M | |
| Total Debt Repaid | -4.44M | -1.82M | ||||
| Net Debt Issued (Repaid) | -4.44M | -1.82M | ||||
| Issuance of Common Stock | 774.00K | 11.62M | 26.79M | |||
| Repurchases of Common Stock | -1.85M | -1.36M | -24.00K | -25.00K | -39.00K | |
| Common Dividends Paid | -24.10M | -2.59M | -10.35M | |||
| Other Financing Activities | -18.34M | |||||
| Financing Cash Flow | -1.08M | -13.84M | 26.77M | -25.39M | -12.21M | |
| Net Cash Flow | 70.56M | 50.46M | -111.78M | 38.33M | -56.22M | |
| Free Cash Flow | 70.87M | 243.49M | -136.20M | -176.16M | -300.66M | |
| Free Cash Flow Margin | 21.13% | 82.08% | -51.51% | -79.47% | -131.47% | |
| Free Cash Flow Per Share | 1.42 | 4.93 | -3.07 | -4.09 | -7.00 | |
| Levered Free Cash Flow | 67.10M | 180.58M | -296.13M | -56.82M | -239.70M | |
| Unlevered Free Cash Flow | 73.53M | 187.75M | -289.33M | -50.90M | -234.23M | |
| Cash Interest Paid | 10.88M | 12.81M | 10.88M | 9.55M | 9.53M | |
| Cash Income Tax Paid | -1.08M | -6.78M | -10.57M | 2.49M | -19.89M | |
| Change in Working Capital | -54.85M | 160.62M | -238.22M | 210.00M | -218.84M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 509.81M | 608.61M | 640.68M | 411.04M | 44.93M | 186.05M |
| Enterprise Value | 367.69M | 493.21M | 606.49M | 449.52M | 18.08M | 177.23M |
| PE Ratio | 6.16 | 5.70 | 8.46 | 1.33 | ||
| PS Ratio | 1.64 | 1.81 | 2.16 | 1.55 | 0.20 | 0.81 |
| PB Ratio | 1.43 | 1.92 | 2.72 | 2.44 | -0.25 | 0.56 |
| P/FCF Ratio | 8.59 | 2.63 | ||||
| P/OCF Ratio | 8.57 | 2.63 | ||||
| EV/Sales Ratio | 1.18 | 1.47 | 2.04 | 1.70 | 0.08 | 0.78 |
| EV/EBITDA Ratio | 2.92 | 3.23 | 5.05 | 4.02 | 2.00 | 22.61 |
| EV/EBIT Ratio | 3.00 | 3.36 | 5.43 | 4.29 | 22.00 | |
| EV/FCF Ratio | 6.96 | 2.49 | ||||
| Debt / Equity Ratio | 0.43 | 0.48 | 0.65 | 0.89 | -0.82 | 0.48 |
| Debt / EBITDA Ratio | 1.21 | 0.99 | 1.27 | 1.33 | 15.13 | 18.66 |
| Debt / FCF Ratio | 2.15 | 0.63 | ||||
| Net Debt / Equity Ratio | -0.40 | -0.15 | 0.07 | 0.06 | -0.43 | -0.16 |
| Net Debt / EBITDA Ratio | -1.13 | -0.30 | 0.13 | 0.09 | 8.77 | -6.83 |
| Net Debt / FCF Ratio | -0.65 | 0.06 | -0.08 | -0.45 | 0.18 | |
| Quick Ratio | 0.57 | 0.49 | 0.25 | 0.27 | 0.04 | 0.14 |
| Current Ratio | 1.14 | 1.05 | 0.93 | 1.07 | 0.87 | 0.85 |
| Asset Turnover | 0.27 | 0.29 | 0.26 | 0.14 | 0.08 | 0.08 |
| Return on Equity (ROE) | 25.51% | 38.61% | 37.74% | -32.75% | -0.99% | |
| Return on Assets (ROA) | 6.67% | 8.01% | 6.12% | 3.36% | 0.02% | -0.03% |
| Return on Invested Capital (ROIC) | 18.25% | 25.56% | 23.73% | 29.19% | -0.23% | |
| Earnings Yield | 16.22% | 17.55% | 11.82% | 75.40% | -1,045.81% | -31.13% |
| FCF Yield | -6.09% | 11.64% | 38.01% | -33.13% | -392.10% | -161.60% |
| Dividend Yield | 6.87% | 5.68% | 5.52% | |||
| Payout Ratio | 42.33% | 31.83% | ||||
| Buyback Yield / Dilution | 0.66% | -0.85% | -11.21% | -3.10% | -0.24% | -0.20% |
| Total Shareholder Return | 7.52% | -0.85% | -11.21% | -3.10% | 5.45% | 5.33% |