American Coastal Insurance Corporation (ACIC)
NASDAQ: ACIC · Real-Time Price · USD
9.51
+0.11 (1.17%)
At close: Aug 26, 2026, 4:00 PM EDT
9.51
0.00 (0.00%)
After-hours: Aug 26, 2026, 4:20 PM EDT
ACIC Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
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 |
Premiums & Annuity Revenue | 295.45 | 306.85 | 273.99 | 262.06 | 222.93 | 221.13 |
Total Interest & Dividend Income | 22.38 | 22.21 | 20.8 | 8.3 | 6.04 | 5.9 |
Gain (Loss) on Sale of Investments | 12.76 | 6.38 | 1.87 | -5.98 | -8.48 | 1.61 |
Other Revenue | - | - | - | 0.02 | 1.18 | 0.05 |
| 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% |
Policy Benefits | 48.19 | 46.04 | 69.32 | 46.68 | 96.11 | 89.05 |
Policy Acquisition & Underwriting Costs | 95.22 | 97.84 | 70.99 | 75.44 | 81 | 93.2 |
Selling, General & Administrative | 44.18 | 44.96 | 44.76 | 37.56 | 43.75 | 47.68 |
Total Operating Expenses | 187.58 | 188.85 | 185.07 | 159.67 | 220.85 | 229.93 |
Operating Income | 143.01 | 146.59 | 111.59 | 104.73 | 0.82 | -1.24 |
Interest Expense | -10.07 | -10.82 | -12 | -10.88 | -9.48 | -9.3 |
Other Non Operating Income (Expenses) | 0.17 | 2.46 | 2.06 | 2.23 | -2.56 | 0.13 |
EBT Excluding Unusual Items | 133.11 | 138.23 | 101.66 | 96.08 | -11.22 | -10.42 |
Gain (Loss) on Sale of Assets | - | - | - | - | 12.9 | - |
Other Unusual Items | 0.03 | 4.5 | - | - | - | - |
Pretax Income | 133.14 | 142.73 | 101.66 | 96.08 | 1.68 | -10.42 |
Income Tax Expense | 32.95 | 35.94 | 25.34 | 10.88 | 26.23 | -6.7 |
Earnings From Continuing Ops. | 100.2 | 106.8 | 76.32 | 85.2 | -24.55 | -3.72 |
Earnings From Discontinued Ops. | - | 0.04 | -0.6 | 224.71 | -445.41 | -56.15 |
Net Income to Company | 100.2 | 106.84 | 75.72 | 309.91 | -469.97 | -59.87 |
Minority Interest in Earnings | - | - | - | - | 0.11 | 1.95 |
Net Income | 100.2 | 106.84 | 75.72 | 309.91 | -469.86 | -57.92 |
Net Income to Common | 100.2 | 106.84 | 75.72 | 309.91 | -469.86 | -57.92 |
Net Income Growth | 23.92% | 41.10% | -75.57% | - | - | - |
Shares Outstanding (Basic) | 48 | 48 | 48 | 44 | 43 | 43 |
Shares Outstanding (Diluted) | 50 | 50 | 49 | 44 | 43 | 43 |
Shares Change | 0.45% | 0.85% | 11.21% | 3.10% | 0.24% | 0.20% |
EPS (Basic) | 2.07 | 2.20 | 1.58 | 7.11 | -10.91 | -1.35 |
EPS (Diluted) | 2.02 | 2.15 | 1.54 | 6.98 | -10.91 | -1.35 |
EPS Growth | 23.80% | 39.86% | -77.98% | - | - | - |
Additional Metrics
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 |
Free Cash Flow | -31.04 | 70.87 | 243.49 | -136.2 | -176.16 | -300.66 |
Free Cash Flow Per Share | -0.62 | 1.42 | 4.93 | -3.07 | -4.09 | -7.00 |
Dividend Per Share | - | - | - | - | 0.060 | 0.240 |
Dividend Growth | - | - | - | - | -75.00% | 0% |
Operating Margin | 43.26% | 43.70% | 37.62% | 39.61% | 0.37% | -0.54% |
Profit Margin | 30.31% | 31.85% | 25.52% | 117.21% | -211.96% | -25.33% |
Free Cash Flow Margin | -9.39% | 21.13% | 82.08% | -51.51% | -79.47% | -131.47% |
EBITDA | 147.44 | 152.83 | 120.13 | 111.81 | 9.03 | 7.84 |
EBITDA Margin | 44.60% | 45.56% | 40.49% | 42.29% | 4.07% | 3.43% |
D&A For EBITDA | 4.44 | 6.24 | 8.54 | 7.08 | 8.21 | 9.08 |
EBIT | 143.01 | 146.59 | 111.59 | 104.73 | 0.82 | -1.24 |
EBIT Margin | 43.26% | 43.70% | 37.62% | 39.61% | 0.37% | -0.54% |
Effective Tax Rate | 24.75% | 25.18% | 24.93% | 11.32% | 1560.56% | - |
Revenue as Reported | 330.59 | 335.44 | 296.66 | 264.4 | 221.67 | 228.69 |