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American Coastal Insurance Corp (ACIC)

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SEC name AMERICAN COASTAL INSURANCE Corp · CIK 0001401521 · Nasdaq · Fire, Marine & Casualty Insurance

  • Sector Finance & Real Estate
  • Incorporated DE
  • Fiscal year ends Dec 31

For the year ended 2025-12-31, American Coastal Insurance Corp reported revenue of $335.44M. Revenue grew 13.1% from the prior annual period. Over the twelve months to 2026-06-30, revenue was $330.59M.

Key ratios (year ended 2025-12-31)

41.8%
Operating margin
31.8%
Net margin
33.6%
Return on year-end equity
13.1%
Revenue growth (YoY)

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Latest selected filing: Form 8-K (current report) · 2026-10-02

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

The first column covers the twelve months to 2026-06-30 from the latest quarterly report: flows are the last fiscal year plus this year to date minus the same months a year earlier, and balances are as of that date. Per-share figures are annual only.

Period endedTTM to
2026-06-30		2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
Revenue$330.59M$335.44M$296.66M$264.40M$221.67M$228.69M$846.66M$825.12M$723.94M$654.42M$487.12M
Operating Income$132.97M$140.28M$99.60M$93.85M-$8.66M-$10.55M-$132.18M-$32.73M-$4.36M$757.0K$6.90M
Depreciation & Amortization$4.77M$6.57M$8.87M$10.63M$23.31M$11.77M$11.05M$12.00M$18.48M$37.53M$11.71M
EBITDA$137.74M$146.85M$108.47M$104.48M$14.65M$1.22M-$121.13M-$20.73M$14.13M$38.29M$18.62M
Net Income$100.20M$106.84M$75.72M$309.91M-$469.86M-$57.92M-$96.45M-$29.87M$290.0K$10.14M$5.70M
EPS (Diluted)n/a$2.15$1.54$6.98-$10.91-$1.35-$2.25-$0.70$0.01$0.27$0.26
Total Assets$1.24B$1.07B$1.22B$1.06B$2.84B$2.70B$2.85B$2.47B$2.32B$2.06B$999.69M
Total Liabilities$903.01M$755.17M$980.45M$893.61M$3.02B$2.37B$2.43B$1.94B$1.78B$1.52B$758.36M
Long-Term Debtn/a$150.00M$150.00M$150.00M$150.00M$158.56M$160.38M$161.60M$163.13M$164.65M$54.17M
Shareholders' Equity$340.79M$317.56M$235.66M$168.76M-$182.04M$312.41M$395.75M$503.14M$520.23M$537.12M$241.33M
Cash & Equivalents$218.94M$198.76M$137.04Mn/a$229.89M$212.02M$239.42M$215.47M$112.68M$229.56M$150.69M
Operating Cash Flow-$30.61M$71.03M$243.51M-$136.00M-$173.11M-$295.39M-$10.47M$149.01M$25.76M$35.55M$65.75M
Capital Expenditures$430.0K$155.0K$22.0K$196.0K$3.05M$5.27M$10.85M$21.90M$4.07M$5.24M$3.15M
Free Cash Flow-$31.04M$70.87M$243.49M-$136.20M-$176.16M-$300.66M-$21.32M$127.12M$21.69M$30.31M$62.60M
Dividends Paid$36.57M$0$24.10M$0$2.59M$10.35M$10.31M$10.28M$10.27M$8.99M$4.97M
Shares Outstanding47.27M48.76M48.20M46.78M43.28M43.37M43.08M43.03M42.98M42.75M21.65M
Dividends Per Sharen/a$0.75$0.50n/an/an/an/an/an/a$0.24$0.23
Weighted Average Diluted Sharesn/a49.78M49.36M44.39M43.05M42.95M42.86M42.76M42.84M37.38M21.61M
EPS (Basic)n/a$2.20$1.59$7.11-$10.91-$1.35-$2.25-$0.70$0.01$0.27$0.27

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