American Coastal Insurance Corporation (ACIC)

NASDAQ: ACIC · Real-Time Price · USD

9.40

+0.33 (3.64%)

Sep 25, 2026, 4:00 PM EDT - Market closed

ACIC Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	330.59	335.44	296.66	264.4	221.67	228.69
Revenue Growth	3.29%	13.07%	12.20%	19.28%	-3.07%	-72.99%
Operating Income	143.01	146.59	111.59	104.73	0.82	-1.24
Net Income	100.2	106.84	75.72	309.91	-469.86	-57.92
Earnings Per Share	2.02	2.15	1.54	6.98	-10.91	-1.35
EPS Growth	23.80%	39.86%	-77.98%	-	-	-

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	218.94	198.76	137.04	138.93	70.9	212.02
Total Debt	152.54	152.49	152.34	149.43	150.05	158.51
Net Cash (Debt)	66.4	46.27	-15.31	-10.5	-79.14	53.51
Net Cash Growth	-59.28%	-	-	-	-	-32.32%
Net Cash Per Share	1.33	0.93	-0.31	-0.24	-1.84	1.25

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-30.61	71.03	243.51	-136	-173.11	-295.39
Capital Expenditures	-0.43	-0.16	-0.02	-0.2	-3.05	-5.27
Free Cash Flow	-31.04	70.87	243.49	-136.2	-176.16	-300.66
Free Cash Flow Growth	-	-70.89%	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	43.26%	43.70%	37.62%	39.61%	0.37%	-0.54%
Pretax Margin	40.27%	42.55%	34.27%	36.34%	0.76%	-4.56%
Profit Margin	30.31%	31.85%	25.52%	117.21%	-211.96%	-25.33%
FCF Margin	-9.39%	21.13%	82.08%	-51.51%	-79.47%	-131.47%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.750	-	-	-	0.060	0.240
Dividend Per Share Growth	50.00%	-	-	-	-75.00%	0%
Dividend Yield	7.98%	-	-	-	6.25%	6.22%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	4.65	5.70	8.46	1.33	-	-
Forward PE	9.59	9.50	11.12	5.02	5.02	11.18
P/FCF Ratio	-	8.59	2.63	-	-	-
PS Ratio	1.33	1.81	2.16	1.56	0.20	0.81