AMERICAN COASTAL INSURANCE Corp
ACIC Nasdaq· Fire, Marine & Casualty Insurance
Last close · Oct 26, 2026
$11.13
KIRA · Stoqly’s AI analyst, in plain words
- AMERICAN COASTAL INSURANCE Corp had $335M of revenue in fiscal 2025, up 13.1% on the year before. Over five years, revenue changed −16.9% a year on average.
- Its operating margin was 41.8%, up 8.2 pts: of every 100 in sales, about 42 is left after running the business.
- AMERICAN COASTAL INSURANCE Corp made $107M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 26.5% a year.
- Free cash flow was $70.9M in fiscal 2025, 21.1% of revenue.
- AMERICAN COASTAL INSURANCE Corp returned $0.0M to shareholders in fiscal 2025, 0% of free cash flow. The diluted share count rose 0.9%.
- AMERICAN COASTAL INSURANCE Corp has $48.8M more cash than debt.
Market cap
$549M
P/E
5.5x
Revenue
$335M
Net income
$107M
Free cash flow
$70.9M
Operating margin
41.8%
AMERICAN COASTAL INSURANCE Corp in 30 seconds · fiscal 2025
Are sales growing?
+13.1%
Yes. Sales grew 13.1% last year.
Does it make a profit?
31.8%
Yes. It keeps 31.8% of every sale as profit.
Does profit turn into cash?
21.1%
Yes. 21.1% of sales ends up as free cash.
Is debt under control?
Net cash
Yes. It has more cash than debt.
How healthy are the accounts?
4 / 7
Mixed. It passes 4 of 7 health tests.
How is the share priced?
5.5x
One share costs 5.5 times its yearly profit per share.
What AMERICAN COASTAL INSURANCE Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 9, 2026
- Legal name
- AMERICAN COASTAL INSURANCE Corp
- CIK
- 0001401521
AMERICAN COASTAL INSURANCE Corp · ACIC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $229M | $222M | $264M | $297M | $335M |
| Revenue growth | −73.0% | −3.1% | 19.3% | 12.2% | 13.1% |
| Operating margin | −4.6% | −3.9% | 35.5% | 33.6% | 41.8% |
| Net income | −$57.9M | −$470M | $310M | $75.7M | $107M |
| Net margin | −25.3% | −212.0% | 117.2% | 25.5% | 31.8% |
| Diluted EPS | −$1.35 | −$10.91 | $6.98 | $1.54 | $2.15 |
| Cash | |||||
| Cash from operations | −$295M | −$173M | −$136M | $244M | $71.0M |
| Capital expenditure | $5.3M | $3.0M | $0.2M | $0.0M | $0.2M |
| Free cash flow | −$301M | −$176M | −$136M | $243M | $70.9M |
| FCF margin | −131.5% | −79.5% | −51.5% | 82.1% | 21.1% |
| Dividends paid | $10.4M | $2.6M | $0.0M | $24.1M | $0.0M |
| Share count change | 0.2% | 0.2% | 3.1% | 11.2% | 0.9% |
| Debt and strength | |||||
| Cash and short-term investments | $212M | $70.9M | $139M | $137M | $199M |
| Debt incl. finance leases | $159M | $150M | $150M | $150M | $150M |
| Shareholders' equity | $312M | −$182M | $169M | $236M | $318M |
| Net debt / EBITDA | — | — | 0.1x | 0.1x | −0.3x |
| Interest coverage | −1.1x | −0.9x | 8.6x | 8.3x | 13.0x |
| Returns and quality | |||||
| Return on capital | −3.2% | — | 46.3% | 30.1% | 39.0% |
| Return on equity | −16.4% | −720.8% | — | 37.4% | 38.6% |
| Return on tangible equity | −26.2% | — | 307.6% | 44.5% | 42.0% |
| Piotroski F-score | 1 | 2 | 3 | 4 | 4 |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$0.8M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
AMERICAN COASTAL INSURANCE Corp · ACIC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $11.13 a share, the company is worth $549M: 5.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001401521). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.