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Friday 6 November 2026
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American Coastal Insurance Corporation
ACIC Financial Insurance Property & Casualty
American Coastal Insurance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $335.4 million, up 13.1% from fiscal 2024.
- Revenue
- −21.8%
- EPS
- −38.7%
- Free cash flow
- −54.5%
- Total debt
- +0.22%
Quarter to September 2026, against a year earlier
10.19
0.08
−0.78%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
5.71 | 8.47 | 1.38 | 0.00 | 0.00 | 0.00 | 0.00 | 1,662.00 | 54.47 | 59.04 |
Piotroski F-Score |
7 | 5 | 6 | 3 | 4 | 3 | 4 | 4 | 7 | 6 |
P/S ratio |
1.83 | 2.17 | 1.60 | 0.19 | 0.82 | 0.29 | 0.65 | 0.98 | 0.99 | 0.70 |
P/FCF ratio |
8.64 | 2.64 | 0.00 | 0.00 | 0.00 | 0.00 | 4.24 | 32.68 | 21.36 | 5.45 |
P/Operating CF |
(12.82) | 401.88 | 8.66 | (0.57) | (1.00) | (1.40) | (6.82) | (7.40) | (13.27) | (14.48) |
P/B ratio |
1.93 | 2.73 | 2.51 | 0.00 | 0.56 | 0.59 | 1.03 | 1.31 | 1.21 | 1.41 |
Price to Tangible BV |
2.40 | 3.78 | 4.20 | 0.00 | 0.77 | 0.76 | 1.27 | 1.63 | 1.55 | 1.59 |
EV/Sales |
1.41 | 2.50 | 2.13 | 1.02 | 1.11 | 0.31 | 0.68 | 0.95 | 0.81 | 0.50 |
EV/EBITDA |
2.98 | 6.13 | 4.85 | 7.61 | 13.12 | 0.00 | 0.00 | 23.62 | 11.43 | 10.64 |
EV/Operating CF |
6.64 | 3.05 | (4.15) | (1.31) | (0.86) | (24.80) | 3.75 | 26.59 | 14.98 | 3.72 |
EV/FCF |
6.66 | 3.05 | (4.16) | (1.46) | (0.84) | (12.18) | 4.40 | 31.57 | 17.57 | 3.91 |
Quick Ratio |
0.81 | 0.72 | 0.83 | 0.77 | 0.60 | 0.53 | 0.50 | 0.53 | 0.54 | 0.31 |
Current Ratio |
0.81 | 0.72 | 0.83 | 0.77 | 0.60 | 0.53 | 0.50 | 0.53 | 0.54 | 0.31 |
Net Debt/EBITDA |
(0.91) | (0.42) | (0.07) | 1.06 | (4.59) | 1.36 | 22.78 | (0.83) | (2.47) | (4.19) |
Debt/Assets |
13.92% | 12.25% | 14.00% | 5.23% | 5.80% | 5.55% | 6.44% | 6.90% | 7.83% | 5.42% |
Debt/Equity |
0.47 | 0.63 | 0.88 | (0.81) | 0.47 | 0.38 | 0.30 | 0.30 | 0.30 | 0.22 |
Asset Turnover |
0.29 | 0.26 | 0.14 | 0.08 | 0.08 | 0.32 | 0.34 | 0.33 | 0.43 | 0.56 |
Operating CF/Net income |
0.66 | 3.22 | (0.44) | 0.37 | 5.10 | 0.11 | (4.99) | 88.82 | 3.50 | 11.54 |
Capex/Depreciation |
(0.02) | 0.00 | 0.04 | 0.63 | (0.26) | (0.62) | (1.26) | (0.17) | (0.12) | (0.20) |
Interest Coverage |
13.97 | 9.30 | 9.63 | 0.09 | (0.13) | (12.79) | (2.35) | 0.56 | 1.23 | 10.55 |
| 38.62% | 37.44% | (4,669.44%) | (626.82%) | (15.45%) | (20.49%) | (5.61%) | 0.05% | 2.61% | 2.37% | |
| 9.34% | 6.65% | 15.89% | (16.97%) | (2.09%) | (3.63%) | (1.25%) | 0.01% | 0.66% | 0.66% | |
ROIC |
50.37% | 33.60% | 36.56% | 0.00% | (2.71%) | (30.13%) | (5.17%) | (0.53%) | 0.11% | 2.98% |
Return on Tangible Assets |
(75.04%) | (30.32%) | (214.23%) | 153.22% | 6.75% | 9.09% | 3.39% | (0.04%) | (1.61%) | (1.23%) |
Average Days of Receivables |
335.52 | 579.36 | 748.28 | 1,525.29 | 1,717.84 | 391.66 | 281.65 | 363.93 | 262.73 | 47.14 |
Research and Development Expense of Revenue |
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 |
12.06% | 15.09% | 14.21% | 19.73% | 13.74% | 8.51% | 8.00% | 9.13% | 12.49% | 8.82% |
Intangible Assets out of Total Assets |
0.06 | 0.05 | 0.06 | 0.03 | 0.03 | 0.03 | 0.04 | 0.05 | 0.06 | 0.03 |
Share Based Compensation of Revenue |
1.28% | 0.86% | 0.50% | 0.63% | 0.52% | 0.16% | 0.36% | 0.33% | 0.40% | 0.40% |
Graham Net Nets |
(0.25) | (0.48) | (0.46) | (45.90) | (5.61) | (4.98) | (1.89) | (1.23) | (1.20) | (1.60) |
Graham Number |
18.05 | 13.28 | 24.76 | 32.14 | 0.00 | 0.00 | 0.00 | 1.69 | 10.20 | 8.27 |
Earnings Yield |
17.50% | 11.81% | 72.50% | (1,086.00%) | (30.88%) | (39.34%) | (5.55%) | 0.06% | 1.84% | 1.69% |
Free Cash Flow Yield |
11.58% | 37.84% | (32.03%) | (359.85%) | (161.30%) | (8.70%) | 23.57% | 3.06% | 4.68% | 18.34% |
Revenue per Share |
6.92 | 6.20 | 6.06 | 5.15 | 5.32 | 19.75 | 19.30 | 16.97 | 17.61 | 22.74 |
Operating CF per Share |
1.47 | 5.09 | (3.12) | (4.02) | (6.88) | (0.24) | 3.48 | 0.60 | 0.96 | 3.07 |
Capex per Share |
0.00 | 0.00 | 0.01 | 0.42 | (0.12) | (0.25) | (0.51) | (0.10) | (0.14) | (0.15) |
Free Cash Flow per Share |
1.46 | 5.09 | (3.11) | (3.60) | (7.00) | (0.50) | 2.97 | 0.51 | 0.82 | 2.92 |
Cash per Share |
6.04 | 4.17 | 3.60 | 2.72 | 5.71 | 7.03 | 6.71 | 4.32 | 7.44 | 7.04 |
Shareholders Equity per Share |
6.55 | 4.93 | 3.87 | (4.23) | 7.73 | 9.74 | 12.25 | 12.67 | 14.46 | 11.27 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
6.55 | 4.93 | 3.87 | (4.23) | 7.73 | 9.74 | 12.25 | 12.67 | 14.46 | 11.27 |
Free Cash Flow |
70.87 | 243.49 | (135.57) | (154.92) | (300.66) | (21.32) | 127.12 | 21.69 | 30.31 | 62.60 |
Working Capital |
(143.09) | (255.46) | (148.32) | (311.95) | (889.27) | (1,094.76) | (914.31) | (789.02) | (647.86) | (479.67) |
Capital Expenditures |
(0.15) | (0.02) | 0.43 | 18.19 | (5.27) | (10.85) | (21.90) | (4.07) | (5.24) | (3.15) |
Net Current Asset Value |
(153.96) | (310.18) | (194.57) | (1,976.30) | (1,045.05) | (1,221.35) | (1,019.59) | (875.12) | (775.47) | (544.76) |
EV/EBIT |
3.12 | 6.65 | 5.39 | 275.57 | 0.00 | 0.00 | 0.00 | 124.27 | 133.03 | 32.11 |
Capex to Sales |
0.00 | 0.00 | 0.00 | (0.08) | 0.02 | 0.01 | 0.03 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
4.36 | 6.46 | 4.51 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 855.45 | 49.45 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
10.26 | 1.68 | 3.18 | 5.47 | 0.65 | 0.51 | 0.53 | 1.37 | 2.46 | 0.86 |
Cash ROIC |
9.33% | 41.69% | (28.57%) | (186.19%) | (40.97%) | (2.43%) | 13.11% | 2.45% | 3.11% | 14.03% |
Accounts Receivable Turnover |
0.86 | 0.59 | 0.36 | 0.22 | 0.23 | 1.10 | 1.21 | 1.21 | 2.45 | 9.10 |
Accounts Payable Turnover |
0.21 | 0.19 | 0.13 | 0.11 | 0.09 | 0.44 | 0.46 | 0.44 | 0.58 | 0.77 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
1,509.22 | 2,020.54 | 2,088.36 | 2,487.18 | 4,114.18 | 928.03 | 830.74 | 915.79 | 832.46 | 560.73 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
389.61 | 506.46 | 734.19 | 1,001.31 | 992.39 | 772.60 | 679.26 | 596.43 | 266.98 | 53.52 |
Average Payables |
685.83 | 737.69 | 952.75 | 1,630.55 | 2,100.49 | 1,912.92 | 1,606.99 | 1,384.33 | 936.45 | 542.54 |
Average Assets |
1,144.42 | 1,139.25 | 1,949.94 | 2,768.03 | 2,773.76 | 2,658.08 | 2,394.32 | 2,190.67 | 1,529.80 | 869.85 |
Average Common Equity |
276.61 | 202.21 | (6.64) | 74.96 | 374.78 | 470.73 | 532.12 | 538.75 | 389.23 | 240.27 |
Columns are period end dates · fundamentals updated 2 Nov 2026