ACIC · AMERICAN COASTAL INSURANCE Corp · Financials
Market Cap
$450.23M
Shares
48.46M
Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.
Revenue
$335.44M
+13.1%
FY2025
Net Income
$106.84M
+41.1%
FY2025
Operating Margin
41.82%
+8.2pp
FY2025
Diluted EPS
$2.15
+39.6%
FY2025
Operating Cash Flow
$71.03M
-70.8%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $330.59M | $335.44M | $296.66M | $264.4M | $221.67M | $228.69M | $846.66M | $825.12M | $723.94M | $654.42M | $487.12M | $357.57M | $280.23M | $208.08M | $131.23M | $96.42M | $79.99M | $88.47M | |
| $295.45M | $306.85M | $273.99M | $262.06M | $222.93M | $221.13M | $765.66M | $752.4M | $689.28M | $585.49M | $456.93M | $335.96M | $264.85M | $197.38M | $121.97M | $90.08M | $66.86M | — | |
| $44.15M | $40.46M | $44.76M | $37.56M | $43.75M | $31.42M | $72.06M | $65.99M | $66.11M | $81.76M | $42.96M | $29.85M | $20.01M | $14.55M | $11.73M | $9.67M | $7.51M | $7.03M | |
| $2.44M | $2.44M | $2.64M | $3.25M | $3.25M | $3.56M | $4.27M | $5.36M | $13.92M | $31.2M | $10.91M | $3.09M | $460K | — | — | — | — | — | |
| $2M | $3.8M | $4.85M | $1.5M | $4.61M | $5.53M | $6.44M | $6.31M | $4.22M | $5.81M | $2.42M | $1.8M | $731K | $697K | $684K | $719K | $1.11M | $1.19M | |
| — | — | — | — | — | — | — | $44.31M | $40.59M | $27.68M | $20.52M | $15.32M | $11.75M | $9.22M | $8.63M | $5.09M | $3.97M | $5.22M | |
| $197.62M | $195.16M | $197.06M | $170.55M | $230.33M | $239.23M | $978.83M | $857.84M | $728.3M | $653.66M | $480.21M | $316M | $215.9M | $173.59M | $116.01M | $83.23M | $80.67M | $82.14M | |
| $132.97M | $140.28M | $99.6M | $93.85M | -$8.66M | -$10.55M | -$132.18M | -$32.73M | -$4.36M | $757K | $6.9M | $41.57M | $64.33M | $34.49M | $15.23M | $13.19M | -$682K | $6.33M | |
| — | 41.82% | 33.57% | 35.5% | -3.91% | -4.61% | -15.61% | -3.97% | -0.6% | 0.12% | 1.42% | 11.62% | 22.96% | 16.57% | 11.6% | 13.68% | -0.85% | 7.15% | |
| $134.97M | $144.08M | $104.45M | $95.35M | -$4.05M | -$5.02M | -$125.74M | -$26.42M | -$133K | $6.56M | $9.33M | $43.37M | $65.06M | $35.18M | $15.91M | $13.91M | $424K | $7.52M | |
| $10.07M | $10.82M | $12M | $10.88M | $9.48M | $9.3M | $9.58M | $9.78M | $9.87M | $3.25M | $723K | $326K | $410K | $367K | $355K | $548K | $1.77M | $3.18M | |
| $172K | $2.46M | $2.06M | $2.23M | $10.34M | $129K | $74K | $119K | $116K | $153K | $100K | $294K | $77K | $1000 | $485K | -$175K | — | — | |
| $3.27M | $1.38M | -$124K | -$6.79M | -$6.51M | $138K | $66.69M | $1.23M | — | — | — | — | — | — | — | — | — | — | |
| $133.14M | $142.73M | $101.66M | $96.08M | $1.68M | -$10.42M | -$132.1M | -$32.61M | -$4.24M | $910K | $7M | $41.86M | $64.41M | $34.49M | $15.71M | $13.02M | -$1.41M | — | |
| $32.95M | $35.94M | $25.34M | $10.88M | $26.23M | -$6.7M | -$36.61M | -$3.12M | -$4.63M | -$9.24M | $1.31M | $14.5M | $23.4M | $14.15M | $6.01M | $4.93M | -$483K | $2.27M | |
| $100.2M | $106.84M | $75.72M | $309.91M | -$469.86M | -$57.92M | -$96.45M | -$29.87M | $290K | $10.15M | $5.7M | $27.36M | $41.01M | $20.34M | $9.71M | $8.09M | -$925K | $4.06M | |
| — | 31.85% | 25.52% | 117.21% | -211.96% | -25.33% | -11.39% | -3.62% | 0.04% | 1.55% | 1.17% | 7.65% | 14.64% | 9.78% | 7.4% | 8.39% | -1.16% | 4.59% | |
| — | — | — | $0 | -$111K | -$1.95M | $956K | $387K | $104K | $0 | $0 | — | — | — | — | — | — | — | |
| — | — | — | — | — | — | — | — | — | $10.15M | $5.7M | $27.36M | $41.01M | $20.34M | $9.71M | $8.09M | -$925K | — | |
| — | — | $79.2M | $322.72M | -$494.27M | -$74.14M | -$98.08M | -$9.52M | -$17.96M | $18.54M | $4.9M | $24.97M | $44.93M | $17.82M | $9.98M | $10.65M | -$2.25M | $6.66M | |
| USD/shares | $2.07 | $2.20 | $1.59 | $7.11 | -$10.91 | -$1.35 | -$2.25 | -$0.70 | $0.01 | $0.27 | $0.27 | $1.29 | $2.06 | $1.26 | $0.91 | $0.77 | -$0.09 | $0.38 |
| USD/shares | $2.02 | $2.15 | $1.54 | $6.98 | -$10.91 | -$1.35 | -$2.25 | -$0.70 | $0.01 | $0.27 | $0.26 | $1.28 | $2.05 | $1.26 | $0.91 | $0.77 | -$0.09 | $0.38 |
| shares | — | 48.48M | 47.83M | 43.6M | 43.05M | 42.95M | 42.86M | 42.76M | 42.65M | 37.15M | 21.42M | 21.22M | 19.93M | 16.1M | 10.61M | 10.44M | 10.57M | 10.57M |
| shares | — | 49.78M | 49.36M | 44.39M | 43.05M | 42.95M | 42.86M | 42.76M | 42.84M | 37.38M | 21.61M | 21.45M | 20.05M | 16.18M | 10.66M | 10.44M | 10.57M | 10.57M |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2009–FY2025: $431K in buybacks, $93.48M in dividends.
Debt Profile
Annual debt figures are established from 10-K filings and updated by subsequent 10-Q and 8-K disclosures. Instrument balances are not summed into a company total unless the filing itself reports that total.
Debt data is being processed. Please check back later.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
1.21×
Peer median 0.97×
EV/EBIT
3.02×
Peer median 19.36×
P/E (TTM)
4.60×
Peer median 12.50×
Peer medians compare against the 23 similar-size Insurance - Property & Casualty companies (of 44 listed).
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|
| Commercial Lines Reporting Segment | $253,431,000 | $217,483,000 | $179,408,000 | $217,467,000 | $240,339,000 |
| Personal Lines Reporting Segment | $33,012,000 | $52,254,000 | $49,231,000 | $626,510,000 | $579,522,000 |
| Adjustments and Reconciling Items | $100,000 | $54,000 | $46,000 | $2,679,000 | $5,255,000 |
Segment Operating Income
Annual operating income by business segment, as tagged in the company's own XBRL filings. Segments need not sum to the consolidated figure — corporate costs and eliminations are typically unallocated.
By Segment (USD)
| Component | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|
| Commercial Lines Reporting Segment | $118,068,000 | $35,839,000 | $32,020,000 | $15,941,000 | $33,361,000 |
| Adjustments and Reconciling Items | -$12,088,000 | -$11,284,000 | -$11,322,000 | -$12,954,000 | -$6,527,000 |
| Personal Lines Reporting Segment | -$16,248,000 | -$50,380,000 | -$31,244,000 | -$135,164,000 | -$59,559,000 |
Operating Margin by Segment (%)
| Component | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|
| Commercial Lines Reporting Segment | 46.6% | 16.5% | 17.8% | 7.3% | 13.9% |
| Personal Lines Reporting Segment | -49.2% | -96.4% | -63.5% | -21.6% | -10.3% |
| Adjustments and Reconciling Items | -12088% | -20896.3% | -24613% | -483.5% | -124.2% |
Key facts
CIK
1401521
CUSIP
910710102
13F (30d)
79 filings
79 filers
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