ACIC
American Coastal Insurance Corporation
Price Chart
Latest Quote
$11.22
Current Price| Previous Close | $11.05 |
| Open | $11.06 |
| Day High | $11.28 |
| Day Low | $11.06 |
| Volume | 208,911 |
Stock Information
| Shares Outstanding | 48.77M |
| Total Debt | $159.19M |
| Cash Equivalents | $188.28M |
| Revenue | $328.33M |
| Net Income | $86.10M |
| Sector | Financial Services |
| Industry | Insurance - Property & Casualty |
| Market Cap | $547.15M |
| P/E Ratio | 6.49 |
| EPS (TTM) | $1.73 |
| Exchange | NCM |
đ Custom Metrics & Score
Score: 15/42| Debt to Equity | 0.65 |
| Debt to Earnings | 1.50 |
| Avg Revenue Growth | 7.41% |
| Profit Margin | 25.54% |
| Return on Equity | 32.13% |
| Avg FCF Growth | -45.25% |
| FCF Yield | 44.50% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $11.22 | 208,911 |
| 2026-01-30 | $11.05 | 304,900 |
| 2026-01-29 | $10.97 | 217,300 |
| 2026-01-28 | $10.81 | 192,700 |
| 2026-01-27 | $10.85 | 154,000 |
| 2026-01-26 | $11.03 | 104,900 |
| 2026-01-23 | $11.06 | 160,400 |
| 2026-01-22 | $11.16 | 182,600 |
| 2026-01-21 | $11.24 | 260,300 |
| 2026-01-20 | $11.03 | 183,000 |
| 2026-01-16 | $11.07 | 216,400 |
| 2026-01-15 | $11.25 | 191,700 |
| 2026-01-14 | $11.29 | 235,300 |
| 2026-01-13 | $11.08 | 142,800 |
| 2026-01-12 | $11.27 | 125,000 |
| 2026-01-09 | $11.31 | 204,500 |
| 2026-01-08 | $11.70 | 187,200 |
| 2026-01-07 | $11.33 | 142,800 |
| 2026-01-06 | $11.15 | 169,800 |
| 2026-01-05 | $11.42 | 203,700 |
| 2026-01-02 | $nan | 0 |
About American Coastal Insurance Corporation
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to dwellings and buildings, inventory, detached structures, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and cyber security policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
đ° Latest News
Selective Insurance (SIGI) Beats Q4 Earnings and Revenue Estimates
Zacks âĸ 2026-01-29T23:05:02Z
American Coastal Insurance Unveils AmRisc E&S Expansion, Launches ACES, Sets 2026 Guidance
MarketBeat âĸ 2026-01-14T17:20:18Z
American Coastal Insurance Corporation's (NASDAQ:ACIC) Stock Has Been Sliding But Fundamentals Look Strong: Is The Market Wrong?
Simply Wall St. âĸ 2026-01-13T12:15:22Z
Is the Options Market Predicting a Spike in American Coastal Insurance Stock?
Zacks âĸ 2026-01-06T14:57:00Z
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Simply Wall St. âĸ 2025-12-17T11:31:57Z
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Simply Wall St. âĸ 2025-12-16T11:33:10Z
Although American Coastal Insurance Corporation (NASDAQ:ACIC) insiders have sold lately, they have the highest ownership with 47% stake
Simply Wall St. âĸ 2025-12-16T10:48:50Z
American Coastal (ACIC) Upgraded to Buy: Here's What You Should Know
Zacks âĸ 2025-11-19T17:00:03Z
American Coastal Insurance Corp (ACIC) Q3 2025 Earnings Call Highlights: Record Earnings and ...
GuruFocus.com âĸ 2025-11-06T05:10:58Z
American Coastal Insurance (ACIC) Tops Q3 Earnings and Revenue Estimates
Zacks âĸ 2025-11-05T23:30:02Z
Income Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $296,437,000 | $263,677,000 | $220,785,000 | $228,685,000 |
| Operating Revenue | $296,437,000 | $263,677,000 | $220,785,000 | $228,685,000 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $11,996,000 | $10,875,000 | $9,483,000 | $9,303,000 |
| Total Expenses | $194,778,000 | $167,597,000 | $219,104,000 | $239,102,000 |
| Rent Expense Supplemental | $220,000 | $723,000 | $888,000 | - |
| Other Income Expense | $-220,000 | $-708,000 | $293,000 | $46,000 |
| Net Non Operating Interest Income Expense | $-11,996,000 | $-10,875,000 | $-9,483,000 | $-9,303,000 |
| Interest Expense Non Operating | $11,996,000 | $10,875,000 | $9,483,000 | $9,303,000 |
| Other Operating Expenses | $-2,107,000 | $-2,447,000 | $-10,051,000 | $16,129,000 |
| General And Administrative Expense | $36,755,000 | $31,776,000 | $32,000,000 | $31,420,000 |
| Loss Adjustment Expense | $69,319,000 | $46,678,000 | $96,109,000 | $89,051,000 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $76,319,000 | $85,204,000 | $-24,441,000 | $-1,769,000 |
| Net Interest Income | $-11,996,000 | $-10,875,000 | $-9,483,000 | $-9,303,000 |
| Normalized Income | $76,319,000 | $85,381,400 | $-22,578,180 | $-1,769,000 |
| Net Income From Continuing And Discontinued Operation | $75,718,000 | $309,911,000 | $-469,855,000 | $-57,919,000 |
| Net Income Common Stockholders | $75,718,000 | $309,911,000 | $-469,855,000 | $-57,919,000 |
| Net Income | $75,718,000 | $309,911,000 | $-469,855,000 | $-57,919,000 |
| Net Income Including Noncontrolling Interests | $75,718,000 | $309,911,000 | $-469,966,000 | $-59,868,000 |
| Net Income Discontinuous Operations | $-601,000 | $224,707,000 | $-445,414,000 | $-56,150,000 |
| Net Income Continuous Operations | $76,319,000 | $85,204,000 | $-24,552,000 | $-3,718,000 |
| Pretax Income | $101,659,000 | $96,080,000 | $1,681,000 | $-10,417,000 |
| Special Income Charges | $0 | $-200,000 | $-2,358,000 | - |
| Depreciation And Amortization In Income Statement | $7,825,000 | $5,079,000 | $8,209,000 | - |
| Depreciation Income Statement | $5,185,000 | $1,832,000 | $4,962,000 | - |
Per Share Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $1.54 | $6.98 | $-10.91 | $-1.35 |
| Basic EPS | $1.59 | $7.11 | $-10.91 | $-1.35 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $0 | $-22,600 | $-495,180 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $-200,000 | $-2,358,000 | - |
| Total Unusual Items Excluding Goodwill | $0 | $-200,000 | $-2,358,000 | - |
| Reconciled Depreciation | $8,869,000 | $10,626,000 | $23,312,000 | $11,768,000 |
| EBIT | $113,655,000 | $106,955,000 | $11,164,000 | $-1,114,000 |
| Diluted Average Shares | $49,362,985 | $44,388,804 | $43,052,070 | $42,948,850 |
| Basic Average Shares | $47,831,412 | $43,596,432 | $43,052,070 | $42,948,850 |
| Diluted NI Availto Com Stockholders | $75,718,000 | $309,911,000 | $-469,855,000 | $-57,919,000 |
| Minority Interests | $0 | $0 | $111,000 | $1,949,000 |
| Tax Provision | $25,340,000 | $10,876,000 | $26,233,000 | $-6,699,000 |
| Amortization | $2,640,000 | $3,247,000 | $3,247,000 | - |
| Selling General And Administration | $36,755,000 | $31,776,000 | $32,000,000 | $31,420,000 |
| Other Gand A | $21,616,000 | $18,159,000 | $18,422,000 | $31,420,000 |
| Salaries And Wages | $15,139,000 | $13,617,000 | $13,578,000 | - |
| Net Policyholder Benefits And Claims | $69,319,000 | $46,678,000 | $96,109,000 | $89,051,000 |
| Policyholder Benefits Gross | $227,460,000 | $123,881,000 | $763,073,000 | $115,955,000 |
| Policyholder Benefits Ceded | $158,141,000 | $77,203,000 | $666,964,000 | $26,904,000 |
| Other Special Charges | - | $200,000 | $2,358,000 | - |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $170,276,000 | $100,741,000 | $-254,285,000 | $220,986,000 |
| Total Assets | $1,216,112,000 | $1,062,378,000 | $2,837,496,000 | $2,698,573,000 |
| Goodwill And Other Intangible Assets | $65,384,000 | $68,024,000 | $72,246,000 | $91,420,000 |
| Other Intangible Assets | $5,908,000 | $8,548,000 | $12,770,000 | $18,375,000 |
| Prepaid Assets | $160,893,000 | $155,301,000 | $90,496,000 | $430,631,000 |
| Receivables | $309,983,000 | $386,744,000 | $835,847,000 | $1,076,286,000 |
| Accounts Receivable | $309,983,000 | $386,744,000 | $835,847,000 | $1,076,286,000 |
| Cash Cash Equivalents And Short Term Investments | $285,044,000 | $277,317,000 | $275,585,000 | $875,626,000 |
| Cash And Cash Equivalents | $137,036,000 | $138,930,000 | $70,903,000 | $212,024,000 |
Debt
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Debt | $11,984,000 | $9,758,000 | $77,452,000 | - |
| Total Debt | $152,343,000 | $149,427,000 | $150,044,000 | $158,495,000 |
| Long Term Debt And Capital Lease Obligation | $152,343,000 | $149,427,000 | $150,044,000 | $158,495,000 |
| Long Term Debt | $149,020,000 | $148,688,000 | $148,355,000 | $156,561,000 |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $980,452,000 | $893,613,000 | $3,019,535,000 | $2,366,616,000 |
| Payables And Accrued Expenses | $169,270,000 | $74,783,000 | $104,889,000 | $324,883,000 |
| Payables | $169,270,000 | $74,783,000 | $104,889,000 | $324,883,000 |
| Accounts Payable | $169,270,000 | $74,783,000 | $104,889,000 | $324,883,000 |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $235,660,000 | $168,765,000 | $-182,039,000 | $312,406,000 |
| Total Equity Gross Minority Interest | $235,660,000 | $168,765,000 | $-182,039,000 | $331,957,000 |
| Stockholders Equity | $235,660,000 | $168,765,000 | $-182,039,000 | $312,406,000 |
| Gains Losses Not Affecting Retained Earnings | $-15,666,000 | $-17,137,000 | $-30,947,000 | $-6,531,000 |
| Other Equity Adjustments | $-15,666,000 | $-17,137,000 | $-30,947,000 | $-6,531,000 |
| Retained Earnings | $-184,772,000 | $-237,389,000 | $-546,296,000 | $-74,904,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Treasury Shares Number | $212,083 | $212,083 | $212,083 | $212,083 |
| Ordinary Shares Number | $48,204,962 | $46,777,006 | $43,280,173 | $43,370,442 |
| Share Issued | $48,417,045 | $46,989,089 | $43,492,256 | $43,582,525 |
| Tangible Book Value | $170,276,000 | $100,741,000 | $-254,285,000 | $220,986,000 |
| Invested Capital | $384,680,000 | $317,453,000 | $-33,684,000 | $468,967,000 |
| Capital Lease Obligations | $3,323,000 | $739,000 | $1,689,000 | $1,934,000 |
| Total Capitalization | $384,680,000 | $317,453,000 | $-33,684,000 | $468,967,000 |
| Minority Interest | $0 | $0 | $0 | $19,551,000 |
| Treasury Stock | $431,000 | $431,000 | $431,000 | $431,000 |
| Additional Paid In Capital | $436,524,000 | $423,717,000 | $395,631,000 | $394,268,000 |
| Capital Stock | $5,000 | $5,000 | $4,000 | $4,000 |
| Common Stock | $5,000 | $5,000 | $4,000 | $4,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $3,323,000 | $739,000 | $1,689,000 | $1,934,000 |
| Investments And Advances | $317,795,000 | $138,387,000 | $220,339,000 | $701,560,000 |
| Goodwill | $59,476,000 | $59,476,000 | $59,476,000 | $73,045,000 |
| Net PPE | $5,736,000 | $3,658,000 | $5,293,000 | $31,561,000 |
| Other Short Term Investments | $148,008,000 | $138,387,000 | $204,682,000 | $663,602,000 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $243,487,000 | $-136,199,000 | $-176,160,000 | $-300,662,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $243,509,000 | $-136,003,000 | $-173,113,000 | $-295,391,000 |
| Cash Flow From Continuing Operating Activities | $243,509,000 | $-136,003,000 | $-173,113,000 | $-295,391,000 |
| Operating Gains Losses | $-817,000 | $-233,562,000 | $19,194,000 | $-3,567,000 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-22,000 | $-196,000 | $-3,047,000 | $-5,271,000 |
| Investing Cash Flow | $-179,211,000 | $-2,544,000 | $236,835,000 | $251,377,000 |
| Cash Flow From Continuing Investing Activities | $-179,211,000 | $-2,544,000 | $236,835,000 | $251,377,000 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Issuance Of Capital Stock | $11,621,000 | $26,793,000 | $0 | $0 |
| Financing Cash Flow | $-13,840,000 | $26,769,000 | $-25,390,000 | $-12,206,000 |
| Cash Flow From Continuing Financing Activities | $-13,840,000 | $26,769,000 | $-25,390,000 | $-12,206,000 |
| Net Other Financing Charges | $-1,359,000 | $-24,000 | $-18,360,000 | $-39,000 |
| Cash Dividends Paid | $-24,102,000 | $0 | $-2,589,000 | $-10,350,000 |
| Common Stock Dividend Paid | $-24,102,000 | $0 | $-2,589,000 | $-10,350,000 |
| Net Common Stock Issuance | $11,621,000 | $26,793,000 | $0 | $0 |
| Common Stock Issuance | $11,621,000 | $26,793,000 | $0 | $0 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $0 | $0 | $-4,441,000 | $-1,817,000 |
| Interest Paid Supplemental Data | $12,808,000 | $10,875,000 | $9,553,000 | $9,534,000 |
| End Cash Position | $222,290,000 | $171,832,000 | $283,610,000 | $245,278,000 |
| Beginning Cash Position | $171,832,000 | $283,610,000 | $245,278,000 | $301,498,000 |
| Changes In Cash | $50,458,000 | $-111,778,000 | $38,332,000 | $-56,220,000 |
| Net Issuance Payments Of Debt | $0 | $0 | $-4,441,000 | $-1,817,000 |
| Long Term Debt Payments | $0 | $0 | $-4,441,000 | $-1,817,000 |
| Net Investment Purchase And Sale | $-179,189,000 | $229,605,000 | $218,646,000 | $256,648,000 |
| Sale Of Investment | $35,748,000 | $282,849,000 | $254,111,000 | $527,559,000 |
| Purchase Of Investment | $-214,937,000 | $-53,244,000 | $-35,465,000 | $-270,911,000 |
| Net Business Purchase And Sale | $0 | $-232,582,000 | $0 | $0 |
| Purchase Of Business | $0 | $-232,582,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-22,000 | $433,000 | $18,189,000 | $-5,271,000 |
| Sale Of PPE | $0 | $629,000 | $21,236,000 | $0 |
| Purchase Of PPE | $-22,000 | $-196,000 | $-3,047,000 | $-5,271,000 |
| Change In Working Capital | $160,623,000 | $-238,218,000 | $210,005,000 | $-218,835,000 |
| Change In Other Current Liabilities | $3,908,000 | $-97,282,000 | $83,996,000 | $29,194,000 |
| Change In Other Current Assets | $21,526,000 | $-55,589,000 | $-3,218,000 | $20,898,000 |
| Change In Payables And Accrued Expense | $98,694,000 | $-44,825,000 | $-190,484,000 | $-7,926,000 |
| Change In Payable | $98,694,000 | $-44,825,000 | $-190,484,000 | $-7,926,000 |
| Change In Account Payable | $98,694,000 | $-44,825,000 | $-190,484,000 | $-7,926,000 |
| Change In Prepaid Assets | $-5,821,000 | $-21,381,000 | $217,603,000 | $-46,043,000 |
| Change In Receivables | $76,482,000 | $757,189,000 | $-641,081,000 | $-167,722,000 |
| Changes In Account Receivables | $76,482,000 | $757,189,000 | $-641,081,000 | $-167,722,000 |
| Other Non Cash Items | $187,000 | $1,364,000 | $6,607,000 | $-8,835,000 |
| Stock Based Compensation | $2,545,000 | $1,318,000 | $1,388,000 | $1,185,000 |
| Unrealized Gain Loss On Investment Securities | $-1,996,000 | $-2,884,000 | $6,585,000 | $-3,237,000 |
| Amortization Of Securities | $744,000 | $1,006,000 | $5,624,000 | $8,814,000 |
| Deferred Tax | $-2,364,000 | $14,436,000 | $24,138,000 | $-22,816,000 |
| Deferred Income Tax | $-2,364,000 | $14,436,000 | $24,138,000 | $-22,816,000 |
| Depreciation And Amortization | $8,869,000 | $10,626,000 | $23,312,000 | $11,768,000 |
| Gain Loss On Investment Securities | $190,000 | $5,466,000 | $32,082,000 | $-3,567,000 |
| Gain Loss On Sale Of Business | $-1,007,000 | $-238,440,000 | $0 | $0 |
| Net Income From Continuing Operations | $75,718,000 | $309,911,000 | $-469,966,000 | $-59,868,000 |
| Gain Loss On Sale Of PPE | - | $-588,000 | $-12,888,000 | $21,000 |
| Income Tax Paid Supplemental Data | - | - | $2,487,000 | - |
| Net Long Term Debt Issuance | - | - | $-4,441,000 | $-1,817,000 |