Saturday 17 October 2026 Export ACIC’s income statement to Excel — free account

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. In the quarter to June 2026, revenue fell 4.48%, EPS fell 16.4%, free cash flow fell 54.5% and total debt rose 2.25%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

11.10 0.15 +1.37%

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Market cap: $530.7M
P/E: 5.3×
Fwd P/E: 11.6×
Dividend yield: —
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

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

Insider Decisions trades per month

Total buys 0.15

Total sells 0.80

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	1	3	—	—	—	—	—	1	—
Sell	1	—	—	—	—	—	—	—	—	1	1	—

Insider Ownership 49.02%

Capital & Financial Ratios $m

Market Cap 530.69

Revenue 330.59

Net Income 100.20

Free Cash Flow (31.04)

Net Debt (164.68)

Current Ratio 0.88

Debt/Equity 0.45

P/E ratio 5.34

Fwd P/E 11.60

P/S ratio 1.61

P/B ratio 1.57

Past 5Y EPS Growth —

This Y EPS Growth (36.06%)

Next Y EPS Growth (3.76%)

Next Y revenue growth (11.67%)

Next 5Y EPS Growth (24.36%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 15.70%

10-year low 10-year high

P/S against its own 10 years 78.56%

10-year low 10-year high

P/B against its own 10 years 65.20%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	Powerpack
2025	Powerpack
2024	Powerpack
2023	Powerpack
2022	0.06	0.06
2021	0.24	0.06 0.06 0.06 0.06
2020	0.24	0.06 0.06 0.06 0.06
2019	0.24	0.06 0.06 0.06 0.06
2018	0.24	0.06 0.06 0.06 0.06
2017	0.24	0.06 0.06 0.06 0.06
2016	0.23	0.05 0.06 0.06 0.06

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	157	199	293	317
Receivables	542	471	308	462
Inventory	—	—	—	—
Other	—	—	—	—
	699	670	601	779

	2023	2024	2025	Q'26
Payables	699	777	595	738
ST’ Debt	149	149	149	150
Other	—	—	—	—
	847	926	744	887

Compound Annual Growth %

	10y	5y	3y
Sales	(0.64%)	(16.90%)	14.81%
Cash Flow	(3.20%)	0.00%	0.00%
Earnings	14.59%	0.00%	0.00%
Book Value	2.87%	(5.33%)	0.00%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	71	83	—	—	—
’25	72	86	90	86	335
’24	67	69	82	79	297
’23	90	74	53	48	264
’22	58	64	73	27	222
’21	162	155	163	(251)	229
’20	176	216	213	241	847

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(6)	58	—	—	—
’25	26	128	(36)	(48)	71
’24	124	126	(9)	2	244
’23	(104)	(129)	48	49	(136)
’22	(21)	29	(106)	(75)	(173)
’21	(67)	38	(81)	(186)	(295)
’20	17	122	25	(175)	(10)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(6)	58	—	—	—
’25	26	128	(36)	(48)	71
’24	124	126	(9)	2	243
’23	(104)	(129)	48	49	(136)
’22	(22)	31	(107)	(58)	(155)
’21	(68)	37	(83)	(187)	(301)
’20	14	118	23	(176)	(21)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.39	0.44	—	—	—
’25	0.43	0.53	0.65	0.53	2.15
’24	0.48	0.39	0.57	0.10	1.54
’23	5.99	0.42	0.24	0.31	6.98
’22	(0.77)	(1.60)	(1.65)	(6.84)	(10.87)
’21	(0.41)	(0.55)	(0.33)	(0.05)	(1.35)
’20	(0.30)	0.56	(1.73)	(0.79)	(2.25)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	9.52	13.05	15.72	10.72	4.34	2.76	0.29	0.92	8.82	9.97	Analyst estimates 2026–2028 Powerpack
	High	20.04	17.81	22.43	16.98	12.66	8.16	4.71	10.28	15.08	13.50
People
People	Employees	167	210	293	363	478	472	269	71	65	68
	Revenue/emp, $m	2.92	3.12	2.47	2.27	1.77	0.48	0.82	3.72	4.56	4.93
Income, $m
Income, $m	Revenue	487	654	724	825	847	229	222	264	297	335
	Gross margin, %	14.60	17.33	15.50	10.59	0.28	20.31	20.11	53.81	52.70	57.11
	EBT	7	1	(4)	(33)	(132)	(10)	2	96	102	143
	EBT margin, %	1.44	0.14	(0.59)	(3.95)	(15.60)	(4.56)	0.76	36.34	34.27	42.55
	Net income	6	10	0	(29)	(95)	(60)	(470)	310	76	107
	Depreciation	15	43	23	17	17	21	29	12	10	7
Per share, $
Per share, $	Revenue	22.74	17.61	16.97	19.30	19.75	5.32	5.15	6.06	6.20	6.92
	Earnings	0.27	0.27	0.01	(0.70)	(2.25)	(1.35)	(10.87)	7.11	1.59	2.20
	Cash flow	3.07	0.96	0.60	3.48	(0.24)	(6.88)	(4.02)	(3.12)	5.09	1.47
	Capex	(0.15)	(0.14)	(0.10)	(0.51)	(0.25)	(0.12)	0.42	0.01	0.00	0.00
	Free cash flow	2.92	0.82	0.51	2.97	(0.50)	(7.00)	(3.60)	(3.11)	5.09	1.46
	Book value	11.27	14.46	12.67	12.25	9.74	7.73	(4.23)	3.87	4.93	6.55
	Shares, m	21	37	43	43	43	43	43	44	48	48
Valuation, ×
Valuation, ×	P/E	59.04	54.47	1,662.00	0.00	0.00	0.00	0.00	1.38	8.47	5.71
	P/S	0.70	0.99	0.98	0.65	0.29	0.82	0.19	1.60	2.17	1.83
	P/B	1.41	1.21	1.31	1.03	0.59	0.56	0.00	2.51	2.73	1.93
	EV/Sales	0.50	0.81	0.95	0.68	0.31	1.11	1.02	2.13	2.50	1.41
	EV/FCF	3.91	17.57	31.57	4.40	(12.18)	(0.84)	(1.46)	(4.16)	3.05	6.66
Cash, $m
Cash, $m	Operating cash flow	66	36	26	149	(10)	(295)	(173)	(136)	244	71
	Capex	(3)	(5)	(4)	(22)	(11)	(5)	18	0	0	0
	Free cash flow	63	30	22	127	(21)	(301)	(155)	(136)	243	71
Balance, $m
Balance, $m	Working capital	(480)	(648)	(789)	(914)	(1,095)	(889)	(312)	(148)	(255)	(143)
	Total debt	54	161	160	159	158	157	148	149	149	149
	Net debt	(97)	(115)	(24)	(128)	(143)	(89)	31	(8)	(50)	(144)
	Shareholders’ equity	241	537	540	524	418	332	(182)	169	236	318
Returns, %
Returns, %	ROA	0.66	0.66	0.01	(1.25)	(3.63)	(2.09)	(16.97)	15.89	6.65	9.34
	ROIC	2.98	0.11	(0.53)	(5.17)	(30.13)	(2.71)	0.00	36.56	33.60	50.37
	ROE	2.37	2.61	0.05	(5.61)	(20.49)	(15.45)	(626.82)	(4,669.44)	37.44	38.62

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
HIPO Hippo Holdings Inc.	$930.5M	7.4×	70.4×	+23.36% (above 0%: growing)	+660.00% (above 0%: growing)	+86.85% (above 0%: growing)	100.00%	8.02%	Compare
ROOT Root, Inc.	$782.6M	13.6×	18.1×	+1.65% (above 0%: growing)	+13.24% (above 0%: growing)	+12.08% (above 0%: growing)	38.36%	8.89%	Compare
DGICA Donegal Group, Inc.	$691.1M	9.5×	10.2×	−2.44% (below 0%: shrinking)	+29.79% (above 0%: growing)	−51.37% (below 0%: shrinking)	26.73%	11.56%	Compare
AII American Integrity Insurance Group, Inc.	$542.8M	6.1×	6.1×	+54.59% (above 0%: growing)	+7.41% (above 0%: growing)	+345.10% (above 0%: growing)	56.10%	40.31%	Compare
ACIC American Coastal Insurance Corporation	$530.7M	5.3×	11.6×	−4.48% (below 0%: shrinking)	−16.36% (below 0%: shrinking)	−54.47% (below 0%: shrinking)	49.71%	37.28%
DGICB Donegal Group, Inc.	$446.3M	10.7×	10.2×	−2.44% (below 0%: shrinking)	+17.02% (above 0%: growing)	−51.37% (below 0%: shrinking)	26.73%	11.56%	Compare
GBLI Global Indemnity PLC	$355.0M	10.3×	11.2×	+5.05% (above 0%: growing)	+5.56% (above 0%: growing)	−325.95% (below 0%: shrinking)	18.32%	12.42%	Compare
NODK NI Holdings, Inc.	$303.2M	39.3×	— (loss-making)	−7.66% (below 0%: shrinking)	n/m	−85.46% (below 0%: shrinking)	31.06%	0.33%	Compare
KINS Kingstone Companies, Inc	$269.0M	7.5×	6.1×	+25.93% (above 0%: growing)	+32.10% (above 0%: growing)	+220.06% (above 0%: growing)	100.00%	29.72%	Compare
Median of peers	$494.5M	9.9×	10.2×	+3.35%	+17.02%	−19.64%	34.71%	11.56%

All 45 Insurance Property & Casualty stocks →

American Coastal Insurance Corporation (ACIC) key facts

Strength: American Coastal Insurance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $335.4 million, up 13.1% from fiscal 2024.
American Coastal Insurance Corporation (ACIC) is an Insurance Property & Casualty company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, ACIC traded at $11.10, a market capitalization of $530.7 million.
Return on equity was 38.6% and debt-to-equity 0.45.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.