American Coastal Insurance Corporation (ACIC)

ACIC Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Premiums Earned	304.19	306.85	273.99	262.06	222.93	221.13
Investment Income	22.77	22.21	20.8	8.3	6.04	5.9
Net Gains on Investments	7.5	6.38	1.87	-5.98	-8.48	1.61
Total Other Revenues	-	-	-	0.02	1.18	0.05
Revenue	334.46	335.44	296.66	264.4	221.67	228.69
Revenue Growth (YoY)	10.65%	13.07%	12.20%	19.28%	-3.07%	-72.99%
Insurance Benefits & Claims	44.89	46.04	69.32	46.68	96.11	89.05
Policy Amortization Costs	96.77	97.84	70.99	75.44	81	93.2
Other Operating Expenses	41.66	40.46	44.76	37.56	43.75	47.68
Operating Income	151.14	151.09	111.59	104.73	0.82	-1.24
Interest Expense	-10.44	-10.82	-12	-10.88	-9.48	-9.3
Other Non-Operating Income (Expense)	1.6	2.46	2.06	2.23	10.34	0.13
Total Non-Operating Income (Expense)	-8.84	-8.36	-9.93	-8.65	0.86	-9.17
Pretax Income	142.29	142.73	101.66	96.08	1.68	-10.42
Provision for Income Taxes	35.96	35.94	25.34	10.88	26.23	-6.7
Net Income	104.74	106.84	75.72	309.91	-469.86	-57.92
Minority Interest in Earnings	-	-	-	-	-0.11	-1.95
Earnings From Discontinued Operations	-1.6	0.04	-0.6	224.71	-445.41	-56.15
Net Income to Common	104.74	106.84	75.72	309.91	-469.86	-57.92
Net Income Growth	42.57%	41.10%	-75.57%	-	-	-
Shares Outstanding (Basic)	49	48	48	44	43	43
Shares Outstanding (Diluted)	50	50	49	44	43	43
Shares Change (YoY)	0.62%	0.85%	11.21%	3.10%	0.24%	0.20%
EPS (Basic)	2.17	2.20	1.59	7.11	-10.91	-1.35
EPS (Diluted)	2.10	2.15	1.54	6.98	-10.91	-1.35
EPS Growth	40.94%	39.61%	-77.94%	-	-	-
Shares Outstanding	48.34	48.76	48.21	46.78	43.28	43.37
Free Cash Flow	38.65	70.87	243.49	-136.2	-176.16	-300.66
Free Cash Flow Growth	-45.46%	-70.89%	-	-	-	-
Free Cash Flow Per Share	0.78	1.42	4.93	-3.07	-4.09	-7.00
Dividends Per Share	-	-	-	-	0.060	0.240
Dividend Growth	-	-	-	-	-75.00%	-
Operating Margin	45.19%	45.04%	37.62%	39.61%	0.37%	-0.54%
Profit Margin	31.79%	31.84%	25.73%	32.23%	-11.08%	-1.63%
FCF Margin	11.56%	21.13%	82.08%	-51.51%	-79.47%	-131.47%
EBITDA	156.84	157.66	120.46	115.35	24.13	10.53
EBITDA Margin	46.89%	47.00%	40.61%	43.63%	10.89%	4.60%
EBIT	151.14	151.09	111.59	104.73	0.82	-1.24
EBIT Margin	45.19%	45.04%	37.62%	39.61%	0.37%	-0.54%
Effective Tax Rate	25.27%	25.18%	24.93%	11.32%	1560.56%	64.31%

Updated May 8, 2026. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q