American Coastal Insurance Corporation ACIC

Financial — Insurance Property & Casualty

9.40 0.33 3.64% as of 25 Sep

Market cap: $445.9M
P/E: 4.5×

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Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	59.04	54.47	1,662.00	0.00	0.00	0.00	0.00	1.38	8.47	5.71
P/S ratio Full definition →	0.70	0.99	0.98	0.65	0.29	0.82	0.19	1.60	2.17	1.83
P/FCF ratio Full definition →	5.45	21.36	32.68	4.24	0.00	0.00	0.00	0.00	2.64	8.64
P/Operating CF Full definition →	(14.48)	(13.27)	(7.40)	(6.82)	(1.40)	(1.00)	(0.57)	8.66	401.88	(12.82)
P/B ratio Full definition →	1.41	1.21	1.31	1.03	0.59	0.56	0.00	2.51	2.73	1.93
Price to Tangible BV Full definition →	1.59	1.55	1.63	1.27	0.76	0.77	0.00	4.20	3.78	2.40
EV/Sales Full definition →	0.50	0.81	0.95	0.68	0.31	1.11	1.02	2.13	2.50	1.41
EV/EBITDA Full definition →	10.64	11.43	23.62	0.00	0.00	13.12	7.61	4.85	6.13	2.98
EV/Operating CF Full definition →	3.72	14.98	26.59	3.75	(24.80)	(0.86)	(1.31)	(4.15)	3.05	6.64
EV/FCF Full definition →	3.91	17.57	31.57	4.40	(12.18)	(0.84)	(1.46)	(4.16)	3.05	6.66
Quick Ratio Full definition →	0.31	0.54	0.53	0.50	0.53	0.60	0.77	0.83	0.72	0.81
Current Ratio Full definition →	0.31	0.54	0.53	0.50	0.53	0.60	0.77	0.83	0.72	0.81
Net Debt/EBITDA Full definition →	(4.19)	(2.47)	(0.83)	22.78	1.36	(4.59)	1.06	(0.07)	(0.42)	(0.91)
Debt/Assets Full definition →	5.42%	7.83%	6.90%	6.44%	5.55%	5.80%	5.23%	14.00%	12.25%	13.92%
Debt/Equity Full definition →	0.22	0.30	0.30	0.30	0.38	0.47	(0.81)	0.88	0.63	0.47
Asset Turnover Full definition →	0.56	0.43	0.33	0.34	0.32	0.08	0.08	0.14	0.26	0.29
Operating CF/Net income Full definition →	11.54	3.50	88.82	(4.99)	0.11	5.10	0.37	(0.44)	3.22	0.66
Capex/Depreciation Full definition →	(0.20)	(0.12)	(0.17)	(1.26)	(0.62)	(0.26)	0.63	0.04	0.00	(0.02)
Interest Coverage Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
ROE Full definition →	2.37%	2.61%	0.05%	(5.61%)	(20.49%)	(15.45%)	(626.82%)	(4,669.44%)	37.44%	38.62%
ROA Full definition →	0.66%	0.66%	0.01%	(1.25%)	(3.63%)	(2.09%)	(16.97%)	15.89%	6.65%	9.34%
ROIC Full definition →	2.98%	0.11%	(0.53%)	(5.17%)	(30.13%)	(2.71%)	0.00%	36.56%	33.60%	50.37%
Return on Tangible Assets Full definition →	(1.23%)	(1.61%)	(0.04%)	3.39%	9.09%	6.75%	153.22%	(214.23%)	(30.32%)	(75.04%)
Average Days of Receivables Full definition →	47.14	262.73	363.93	281.65	391.66	1,717.84	1,525.29	748.28	579.36	335.52
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	8.82%	12.49%	9.13%	8.00%	8.51%	13.74%	19.73%	14.21%	15.09%	12.06%
Intangible Assets out of Total Assets Full definition →	0.03	0.06	0.05	0.04	0.03	0.03	0.03	0.06	0.05	0.06
Share Based Compensation of Revenue Full definition →	0.40%	0.40%	0.33%	0.36%	0.16%	0.52%	0.63%	0.50%	0.86%	1.28%
Graham Net Nets Full definition →	(1.60)	(1.20)	(1.23)	(1.89)	(4.98)	(5.61)	(45.90)	(0.46)	(0.48)	(0.25)
Graham Number Full definition →	8.27	10.20	1.69	0.00	0.00	0.00	32.14	24.76	13.28	18.05
Earnings Yield Full definition →	1.69%	1.84%	0.06%	(5.55%)	(39.34%)	(30.88%)	(1,086.00%)	72.50%	11.81%	17.50%
Free Cash Flow Yield Full definition →	18.34%	4.68%	3.06%	23.57%	(8.70%)	(161.30%)	(359.85%)	(32.03%)	37.84%	11.58%
Revenue per Share Full definition →	22.74	17.61	16.97	19.30	19.75	5.32	5.15	6.06	6.20	6.92
Operating CF per Share Full definition →	3.07	0.96	0.60	3.48	(0.24)	(6.88)	(4.02)	(3.12)	5.09	1.47
Capex per Share Full definition →	(0.15)	(0.14)	(0.10)	(0.51)	(0.25)	(0.12)	0.42	0.01	0.00	0.00
Free Cash Flow per Share Full definition →	2.92	0.82	0.51	2.97	(0.50)	(7.00)	(3.60)	(3.11)	5.09	1.46
Cash per Share Full definition →	7.04	7.44	4.32	6.71	7.03	5.71	2.72	3.60	4.17	6.04
Shareholders Equity per Share Full definition →	11.27	14.46	12.67	12.25	9.74	7.73	(4.23)	3.87	4.93	6.55
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	11.27	14.46	12.67	12.25	9.74	7.73	(4.23)	3.87	4.93	6.55
Free Cash Flow Full definition →	62.60	30.31	21.69	127.12	(21.32)	(300.66)	(154.92)	(135.57)	243.49	70.87
Working Capital Full definition →	(479.67)	(647.86)	(789.02)	(914.31)	(1,094.76)	(889.27)	(311.95)	(148.32)	(255.46)	(143.09)
Capital Expenditures Full definition →	(3.15)	(5.24)	(4.07)	(21.90)	(10.85)	(5.27)	18.19	0.43	(0.02)	(0.15)
Net Current Asset Value Full definition →	(544.76)	(775.47)	(875.12)	(1,019.59)	(1,221.35)	(1,045.05)	(1,976.30)	(194.57)	(310.18)	(153.96)
EV/EBIT Full definition →	32.11	133.03	124.27	0.00	0.00	0.00	275.57	5.39	6.65	3.12
Capex to Sales Full definition →	0.01	0.01	0.01	0.03	0.01	0.02	(0.08)	0.00	0.00	0.00
Net Profit Margin Full definition →	1.17%	1.55%	0.04%	(3.62%)	(11.39%)	(25.33%)	(211.96%)	117.21%	25.52%	31.85%
Price to Operating Income Full definition →	49.45	855.45	0.00	0.00	0.00	0.00	0.00	4.51	6.46	4.36
Other line items
Depreciation/Fixed assets Full definition →	0.86	2.46	1.37	0.53	0.51	0.65	5.47	3.18	1.68	10.26
Cash ROIC Full definition →	10.73%	1.87%	0.97%	11.99%	(5.09%)	(44.56%)	(214.41%)	(29.44%)	40.71%	9.25%
Accounts Receivable Turnover Full definition →	9.10	2.45	1.21	1.21	1.10	0.23	0.22	0.36	0.59	0.86
Accounts Payable Turnover Full definition →	0.77	0.58	0.44	0.46	0.44	0.09	0.11	0.13	0.19	0.21
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	560.73	832.46	915.79	830.74	928.03	4,114.18	2,487.18	2,088.36	2,020.54	1,509.22
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	53.52	266.98	596.43	679.26	772.60	992.39	1,001.31	734.19	506.46	389.61
Average Payables Full definition →	542.54	936.45	1,384.33	1,606.99	1,912.92	2,100.49	1,630.55	952.75	737.69	685.83
Average Assets Full definition →	869.85	1,529.80	2,190.67	2,394.32	2,658.08	2,773.76	2,768.03	1,949.94	1,139.25	1,144.42
Average Common Equity Full definition →	240.27	389.23	538.75	532.12	470.73	374.78	74.96	(6.64)	202.21	276.61

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American Coastal Insurance Corporation ACIC

American Coastal Insurance Corporation ACIC

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