American Coastal Insurance Corporation

American Coastal Insurance Corporation

ACIC
American Coastal Insurance CorporationUS flagNASDAQ
11.45
USD
-0.09
- -
554.89MMarket Cap
American Coastal Insurance Corporation
ACIC
(NASDAQ)

Recent

price

11.45

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.56
9.23
12.37
12.92
14.06
16.85
22.74
17.61
16.97
19.29
19.75
5.32
5.13
6.05
6.2
6.91
6.88
Revenue per Share
-0.09
0.77
0.91
1.26
2.06
1.29
0.27
0.27
0.01
-0.7
-2.25
-1.35
-10.91
7.11
1.58
2.2
2.16
Basic EPS, GAAP
-0.82
3.7
3.31
6.7
3.14
4.12
2.92
0.82
0.51
2.97
-0.5
-7
-4.09
-3.12
5.09
1.46
0.8
Free Cash Flow per Basic Share
0.05
0.05
0.09
0.12
0.17
0.2
0.23
0.24
0.24
0.24
0.24
0.24
0.06
- -
0.5
- -
0.75
Dividend per Share
4.3
5.08
5.82
4.98
5.91
6.64
6.61
3.8
3.3
2.35
-0.15
-1.74
-12.69
-5.45
-3.86
-2.36
-1.96
Book Value per Share
4.28
5.27
8.24
6.57
10.22
11.11
10.02
11.27
10.22
9.93
7.53
5.6
-5.91
2.31
3.56
5.25
5.54
Tangible Book Value per Share
11
10
11
16
20
21
21
37
43
43
43
43
43
44
48
48
49
Basic Weighted Avg Shares
80
96
131
208
280
358
487
654
724
825
847
229
221
264
296
335
334
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
3
12
38
18
12
11
12
23
11
9
7
6
Depreciation Expense
-1
8
10
20
41
27
6
10
- -
-30
-96
-58
-470
310
76
107
105
Net Income, GAAP
- -
37.86
38.24
41.02
36.33
34.64
18.63
- -
- -
- -
- -
- -
1,560.56
11.32
24.93
25.18
25.27
Effective Tax Rate (%)
-1.16
8.39
7.4
9.78
14.64
7.65
1.17
1.55
0.04
-3.62
-11.39
-25.33
-212.81
117.53
25.54
31.89
31.36
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
18
17
16
15
14
12
54
161
160
159
160
158
150
149
152
152
153
LT Debt
45
55
88
108
204
239
241
537
540
524
418
332
-182
169
236
318
332
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
12.5
13.44
23.84
36.5
19.38
3.6
- -
- -
- -
- -
- -
415.04
-131.99
-140.76
4,134.13
486.69
Return on Capital (%)
-2
16.43
16.92
28.68
41.44
21.15
4.03
7.18
0.21
-24.8
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
149
149
149
LT Finance Leases
3
3
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
49
49
48
Market Capitalization
551
612
546

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
383
312
229
Accounts Receivable, Net
175
199
189
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
208
180
123
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-19.29%
-58.73%
34.76%
Free Cash Flow
115.74%
179.31%
-70.89%
Net Income, GAAP
-980.52%
94.17%
41.1%
Sales/Revenue/Turnover
6.62%
-6.32%
13.01%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
67
69
82
79
296
2025
72
86
90
86
335
2026
71
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.5
0.4
0.59
0.1
1.58
2025
0.44
0.55
0.67
0.55
2.2
2026
0.4
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.5
2025
- -
- -
- -
- -
- -
2026
0.75
- -
- -
- -
- -
Business
American Coastal Insurance Corporation (Nasdaq: ACIC) is a publicly traded holding company founded in 2007 and headquartered in St. Petersburg, Florida that, through its wholly owned insurance subsidiary American Coastal Insurance Company (AmCoastal), underwrites commercial residential property and casualty insurance policies targeting catastrophe-exposed markets across the United States where large national carriers have reduced policy concentrations; core offerings include commercial multi-peril coverage for condominium associations, homeowner associations, and apartment buildings against perils such as fire, wind, hail, water, theft, and vandalism, distributed exclusively through managing general agent partnerships with AmRisc Group for hurricane-exposed properties and Skyway Underwriters for catastrophe solutions, supported by sophisticated pricing algorithms, policy concentration avoidance, and a comprehensive reinsurance program exceeding Florida minimums with all A- or better rated or collateralized reinsurers plus the Florida Hurricane Catastrophe Fund. The company previously offered personal lines including homeowners, renters, condominium unit owners, flood, and landlord policies through its former subsidiary Interboro Insurance Company but completed the strategic sale of Interboro to Forza Insurance Holdings LLC in April 2025 following announcement in May 2024, fully exiting personal lines to concentrate on its fast-growing commercial specialty portfolio; recent developments also encompass a five-year extension of the exclusive MGA agreement with AmRisc through January 2029 announced in June 2024, renewal of the core catastrophe reinsurance program for 2025/26 with $1.676 billion in occurrence-based limit (up 3.9% from prior year) in June 2025, renewal and expansion of the catastrophe excess of loss agreement adding $40 million aggregate limit in January 2025, achievement of investment grade issuer and debt ratings of BBB- from Kroll Bond Rating Agency in July 2025 (up from BB+), affirmation of the A- Insurance Financial Strength Rating for AmCoastal with Stable outlook, and a Financial Stability Rating of A, Exceptional from Demotech recognized by Fannie Mae, Freddie Mac, and HUD.

Company News

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