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American Coastal Insurance (ACIC) Financials

American Coastal Insurance logo
$10.63 +0.50 (+4.94%)
Closing price 04:00 PM Eastern
Extended Trading
$10.64 +0.01 (+0.14%)
As of 04:28 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for American Coastal Insurance

Annual Income Statements for American Coastal Insurance

This table shows American Coastal Insurance's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 41 27 5.70 1,668 -30 -96 -58 -470 310 76 107
Consolidated Net Income / (Loss)		 41 27 5.70 10 -29 -95 -60 -470 310 76 107
Net Income / (Loss) Continuing Operations		 41 27 5.70 1,668 -29 -95 -3.72 -25 85 76 107
Total Pre-Tax Income 		64 42 7.00 0.91 -33 -132 -10 1.68 96 102 143
Total Revenue		 280 358 -221 1,268 815 837 232 212 254 285 325
Net Interest Income / (Expense)		 0.00 0.00 0.00 -3.25 -9.78 -9.58 -9.30 -9.48 -11 -12 -11
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.00 3.25 9.78 9.58 9.30 9.48 11 12 11
Long-Term Debt Interest Expense		 - - - 3.25 9.78 9.58 9.30 9.48 11 12 11
Total Non-Interest Income		 280 358 -221 1,271 825 847 242 222 264 297 335
Other Service Charges		 8.61 12 19 51 17 18 0.05 1.18 0.02 0.00 0.00
Net Realized & Unrealized Capital Gains on Investments		 6.78 10 11 35 56 63 1.61 -2.44 2.33 23 29
Premiums Earned		 265 336 -251 531 752 766 240 223 262 274 307
Total Non-Interest Expense		 216 316 -228 -390 848 969 230 221 160 185 184
Property & Liability Insurance Claims		 118 183 298 366 499 608 89 96 47 69 46
Insurance Policy Acquisition Costs		 66 87 118 175 238 236 93 - 75 71 98
Other Operating Expenses		 32 45 -644 -931 66 72 31 44 38 45 40
Nonoperating Income / (Expense), net		 0.08 0.29 0.10 0.15 0.12 0.07 0.13 10 2.23 2.06 2.46
Income Tax Expense		 23 15 1.31 -9.24 -3.12 -37 -6.70 26 11 25 36
Net Income / (Loss) Discontinued Operations		 - - - - - - - -445 225 -0.60 0.04
Basic Earnings per Share		 $2.06 $1.29 $0.27 $0.27 ($0.70) ($2.25) ($1.35) ($10.91) $7.11 $1.59 $2.20
Weighted Average Basic Shares Outstanding		 19.93M 21.22M 21.42M 37.15M 42.76M 42.86M 42.95M 43.05M 43.60M 47.83M 48.48M
Diluted Earnings per Share		 $2.05 $1.28 $0.26 $0.27 ($0.70) ($2.25) ($1.35) ($10.91) $6.98 $1.54 $2.15
Weighted Average Diluted Shares Outstanding		 20.05M 21.45M 21.61M 37.38M 42.76M 42.86M 42.95M 43.05M 44.39M 49.36M 49.78M
Weighted Average Basic & Diluted Shares Outstanding		 19.90M 21.20M 21.10M 37.60M 43.03M 43.09M 43.32M - 47.80M 48.25M 48.66M
Cash Dividends to Common per Share		 $0.16 $0.20 $0.23 $0.00 $0.24 $0.24 $0.24 $0.06 $0.00 $0.50 $0.75

Quarterly Income Statements for American Coastal Insurance

This table shows American Coastal Insurance's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 14 24 19 28 4.95 21 26 32 27 19 22
Consolidated Net Income / (Loss)		 14 24 19 28 4.95 21 26 32 27 19 22
Net Income / (Loss) Continuing Operations		 19 24 19 28 5.87 20 28 32 27 19 22
Total Pre-Tax Income 		22 31 25 37 8.89 26 38 42 37 26 28
Total Revenue		 46 64 65 79 76 69 84 88 84 69 80
Net Interest Income / (Expense)		 -2.72 -2.72 -3.43 -3.07 -2.78 -2.72 -2.72 -2.72 -2.66 -2.34 -2.34
Total Interest Income		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Interest Expense		 2.72 2.72 3.43 3.07 2.78 2.72 2.72 2.72 2.66 2.34 2.34
Long-Term Debt Interest Expense		 2.72 2.72 3.43 3.07 2.78 2.72 2.72 2.72 2.66 2.34 2.34
Total Non-Interest Income		 48 67 69 82 79 72 86 90 86 71 83
Net Realized & Unrealized Capital Gains on Investments		 2.02 3.97 5.28 7.65 5.78 3.93 8.02 9.58 7.06 5.61 13
Premiums Earned		 46 63 63 74 73 68 78 81 79 66 70
Total Non-Interest Expense		 25 33 41 43 68 44 48 46 46 43 52
Property & Liability Insurance Claims		 4.20 12 15 12 30 11 16 9.21 9.90 10 19
Insurance Policy Acquisition Costs		 11 9.60 14 21 27 23 24 25 25 22 23
Other Operating Expenses		 9.05 11 12 10 11 9.51 7.78 11 12 11 10
Nonoperating Income / (Expense), net		 1.07 0.81 0.81 0.45 -0.01 1.07 1.38 0.67 -0.66 0.21 -0.05
Income Tax Expense		 3.20 7.66 5.81 8.85 3.02 6.48 9.52 9.89 10 6.50 6.51
Net Income / (Loss) Discontinued Operations		 -4.29 -0.11 -0.02 0.45 -0.92 1.64 -1.60 0.00 - 0.00 0.00
Basic Earnings per Share		 $0.27 $0.50 $0.40 $0.59 $0.10 $0.44 $0.55 $0.67 $0.54 $0.40 $0.46
Weighted Average Basic Shares Outstanding		 43.60M 47.32M 47.82M 48.07M 47.83M 48.14M 48.43M 48.66M 48.48M 48.55M 48.09M
Diluted Earnings per Share		 $0.19 $0.48 $0.39 $0.57 $0.10 $0.43 $0.53 $0.65 $0.54 $0.39 $0.44
Weighted Average Diluted Shares Outstanding		 44.39M 48.97M 49.40M 49.52M 49.36M 49.56M 49.64M 49.92M 49.78M 49.81M 49.30M

Annual Cash Flow Statements for American Coastal Insurance

This table details how cash moves in and out of American Coastal Insurance's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 23 66 0.00 0.00 0.00 14 -56 38 -112 50 71
Net Cash From Operating Activities		 98 66 36 26 170 -10 -295 -173 -136 244 71
Net Cash From Continuing Operating Activities		 98 66 36 26 67 -479 -295 -173 -136 244 71
Net Income / (Loss) Continuing Operations		 27 5.70 10 0.68 -119 -192 -60 -470 310 76 107
Consolidated Net Income / (Loss)		 27 5.70 10 0.68 -119 -192 -60 -470 310 76 107
Provision For Loan Losses		 0.27 0.06 0.49 0.00 0.00 0.00 -0.11 0.04 -0.02 0.02 -0.03
Depreciation Expense		 3.33 12 38 18 13 11 12 23 11 8.87 6.57
Amortization Expense		 2.00 3.68 5.07 5.01 5.39 6.42 8.81 5.62 1.01 0.74 0.85
Non-Cash Adjustments to Reconcile Net Income		 0.93 1.40 22 25 -23 4.33 -14 134 -234 -0.13 1.41
Changes in Operating Assets and Liabilities, net		 64 43 -40 -23 191 -309 -241 134 -224 158 -45
Net Cash From Investing Activities		 -67 -50 -7.34 -126 -24 37 251 237 -2.54 -179 0.62
Net Cash From Continuing Investing Activities		 -67 -50 -7.34 -126 9.48 37 251 237 -2.54 -179 0.62
Purchase of Property, Leasehold Improvements and Equipment		 -11 -3.15 -5.24 -4.07 -27 -11 -5.27 -3.05 -0.20 -0.02 -0.16
Purchase of Investment Securities		 -270 -234 -226 -372 -261 -797 -271 -35 -53 -215 -168
Sale of Property, Leasehold Improvements and Equipment		 - - - - - 0.00 0.00 21 0.63 0.00 0.00
Divestitures		 14 0.00 95 0.00 0.00 0.00 0.00 0.00 -233 0.00 0.00
Sale and/or Maturity of Investments		 200 188 128 251 297 845 528 254 283 36 168
Net Cash From Financing Activities		 -7.91 50 97 7.73 -44 -12 -12 -25 27 -14 -1.08
Net Cash From Continuing Financing Activities		 -7.91 50 97 7.73 -1.77 -12 -12 -25 27 -14 -1.08
Issuance of Common Equity		 - - - - - - 0.00 0.00 27 12 0.77
Payment of Dividends		 -4.30 -4.97 -8.99 -10 0.00 -10 -10 -2.59 0.00 -24 0.00
Other Financing Activities, Net		 -0.19 -0.27 -0.29 -0.42 -0.59 -0.11 -0.04 -0.03 -0.02 -1.36 -1.86
Cash Interest Paid		 0.30 0.29 3.41 9.86 9.73 9.53 9.53 9.55 11 13 11
Cash Income Taxes Paid		 13 7.19 3.90 4.67 0.52 1.27 20 2.49 13 7.20 -0.06

Quarterly Cash Flow Statements for American Coastal Insurance

This table details how cash moves in and out of American Coastal Insurance's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 41 134 -24 -19 -40 32 153 -48 -66 -54 78
Net Cash From Operating Activities		 49 124 126 -8.98 1.60 26 128 -36 -48 -5.74 58
Net Cash From Continuing Operating Activities		 49 124 126 -8.98 1.60 26 128 -36 -48 -5.74 58
Net Income / (Loss) Continuing Operations		 14 24 19 28 4.95 21 26 32 27 19 22
Consolidated Net Income / (Loss)		 14 24 19 28 4.95 21 26 32 27 19 22
Depreciation Expense		 4.24 2.17 1.95 2.50 2.26 1.72 1.69 1.63 1.53 0.86 0.75
Amortization Expense		 0.25 0.20 0.21 0.15 0.19 0.17 0.18 0.14 0.37 0.14 -0.04
Non-Cash Adjustments to Reconcile Net Income		 60 0.61 -0.10 -0.83 0.20 1.32 1.42 -2.12 0.79 0.60 -5.74
Changes in Operating Assets and Liabilities, net		 -29 98 105 -39 -5.98 1.90 98 -68 -77 -27 42
Net Cash From Investing Activities		 -34 -2.01 -151 -10 -16 5.20 25 -12 -17 -6.60 34
Net Cash From Continuing Investing Activities		 -34 -2.01 -151 -10 -16 5.20 25 -12 -17 -6.60 34
Purchase of Property, Leasehold Improvements and Equipment		 - 0.00 - -0.01 -0.01 -0.10 - - -0.06 -0.14 -0.24
Purchase of Investment Securities		 -40 -6.00 -161 -21 -27 -15 -46 -69 -37 -10 -3.20
Sale and/or Maturity of Investments		 5.61 4.00 10 10 11 21 66 57 25 3.93 38
Net Cash From Financing Activities		 27 11 0.06 0.16 -25 0.31 0.47 - -1.86 -42 -14
Net Cash From Continuing Financing Activities		 27 11 0.06 0.16 -25 0.31 0.47 - -1.86 -42 -14
Repurchase of Common Equity		 - - - - - 0.00 - - - -5.00 -14
Cash Interest Paid		 5.44 0.00 5.44 - 7.37 0.00 5.44 - 5.44 0.00 4.69

Annual Balance Sheets for American Coastal Insurance

This table presents American Coastal Insurance's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 740 1,000 2,060 2,321 2,467 2,849 2,699 2,837 1,062 1,216 1,073
Cash and Due from Banks		 85 151 230 113 215 239 212 71 139 137 199
Restricted Cash		 - - 47 71 72 62 33 46 18 62 94
Trading Account Securities		 - - 835 952 1,012 988 720 429 293 341 355
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 2.92 3.74 5.58 6.02 5.90 4.68 3.30 1.61 1.77 2.96 3.16
Premises and Equipment, Net		 17 18 17 17 33 34 32 5.29 3.66 5.74 0.72
Unearned Premiums Asset		 121 171 277 314 907 1,293 1,507 926 542 471 308
Deferred Acquisition Cost		 47 65 104 106 105 74 39 52 21 40 38
Goodwill		 3.41 14 73 73 73 73 73 70 59 59 59
Intangible Assets		 - 12 45 31 26 22 18 13 8.55 5.91 3.47
Other Assets		 464 564 407 639 19 51 62 1,439 114 90 12
Total Liabilities & Shareholders' Equity		 740 1,000 2,060 2,321 2,467 2,849 2,699 2,837 1,062 1,216 1,073
Total Liabilities		 501 758 1,523 1,781 1,943 2,431 2,367 3,020 894 980 755
Other Short-Term Payables		 - 26 - 71 79 91 76 - - 86 113
Long-Term Debt		 12 54 161 160 159 158 157 148 149 149 149
Claims and Claim Expense		 77 141 482 661 760 1,090 1,084 843 348 322 166
Unearned Premiums Liability		 305 372 556 627 674 724 645 259 276 285 250
Other Long-Term Liabilities		 107 165 323 261 271 368 404 1,769 121 138 78
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 239 241 537 540 524 418 332 -182 169 236 318
Total Preferred & Common Equity		 239 241 537 520 503 396 312 -182 169 236 318
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 239 241 537 520 503 396 312 -182 169 236 318
Common Stock		 97 99 387 389 392 393 394 396 424 437 440
Retained Earnings		 141 142 141 141 100 -6.64 -75 -546 -237 -185 -115
Treasury Stock		 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43
Accumulated Other Comprehensive Income / (Loss)		 1.62 0.82 9.22 -9.03 11 9.69 -6.53 -31 -17 -16 -7.24

Quarterly Balance Sheets for American Coastal Insurance

This table presents American Coastal Insurance's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 1,150 1,077 1,311 1,144 1,160 1,347 1,179 997 1,244
Cash and Due from Banks		 111 285 229 183 167 315 268 117 219
Restricted Cash		 19 20 32 57 66 92 91 122 98
Trading Account Securities		 156 199 311 331 336 319 336 360 333
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 1.54 2.53 4.72 3.36 2.99 3.35 3.23 3.10 3.44
Premises and Equipment, Net		 3.91 10 9.10 7.30 4.80 3.75 2.81 0.69 0.87
Unearned Premiums Asset		 712 449 520 365 385 480 359 279 462
Deferred Acquisition Cost		 29 27 51 43 46 58 44 40 55
Goodwill		 59 59 59 59 59 59 59 59 59
Intangible Assets		 10 8.51 7.13 6.52 5.30 4.69 4.08 2.86 2.20
Other Assets		 47 16 87 88 87 11 11 12 11
Total Liabilities & Shareholders' Equity		 1,150 1,077 1,311 1,144 1,160 1,347 1,179 997 1,244
Total Liabilities		 1,029 873 1,088 884 899 1,055 852 665 903
Other Short-Term Payables		 85 82 76 76 66 65 65 80 80
Long-Term Debt		 149 149 149 149 149 149 149 149 150
Claims and Claim Expense		 443 280 211 173 256 219 189 127 119
Unearned Premiums Liability		 325 322 374 307 321 384 293 258 335
Other Long-Term Liabilities		 27 42 278 179 106 237 156 51 219
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 121 0.00 0.00 260 261 292 327 332 341
Total Preferred & Common Equity		 0.00 204 223 260 261 292 327 332 341
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 121 204 223 260 261 292 327 332 341
Common Stock		 397 436 436 437 438 440 441 441 443
Retained Earnings		 -252 -214 -194 -166 -163 -137 -104 -95 -73
Treasury Stock		 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43 -5.43 -20
Accumulated Other Comprehensive Income / (Loss)		 -24 -17 -19 -12 -13 -9.79 -8.40 -8.49 -8.54

Annual Metrics And Ratios for American Coastal Insurance

This table displays calculated financial ratios and metrics derived from American Coastal Insurance's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 21,527,817.00 21,643,714.00 42,753,504.00 42,984,578.00 43,234,488.00 43,080,410.00 43,205,774.00 43,308,091.00 43,897,772.00 48,204,962.00 48,765,302.00
DEI Adjusted Shares Outstanding		 21,527,817.00 21,643,714.00 42,753,504.00 42,984,578.00 43,234,488.00 43,080,410.00 43,205,774.00 43,308,091.00 43,897,772.00 48,204,962.00 48,765,302.00
DEI Earnings Per Adjusted Shares Outstanding		 1.27 0.26 0.24 0.01 -0.68 -2.22 -1.39 -10.85 7.06 1.57 2.19
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 27.60% -161.82% 673.61% 0.00% 0.00% 2.67% -72.25% -8.64% 19.48% 12.28% 14.04%
EBITDA Growth		 -29.65% -52.46% 7,529.89% 8,850.87% -100.37% -707.36% 119.97% -11.47% 420.27% 3.53% 35.24%
EBIT Growth		 -35.39% -83.39% 23,923.27% 509,515.72% -100.85% -303.90% 101.76% -473.16% 1,183.62% 6.12% 40.85%
NOPAT Growth		 -33.68% -79.32% 50.26% -136.12% -651.44% -303.90% 92.02% 1,813.57% -34.21% -10.16% 40.37%
Net Income Growth		 -33.29% -79.17% 78.04% 0.00% -7,583.50% -223.89% 37.31% -685.00% 165.94% -75.57% 41.10%
EPS Growth		 -37.56% -79.69% 3.85% 0.00% -7,100.00% -221.43% 40.00% -708.15% 163.98% -77.94% 39.61%
Operating Cash Flow Growth		 42.66% -33.13% -45.93% 0.00% 560.03% -106.16% -2,721.04% 41.40% 21.44% 279.05% -70.83%
Free Cash Flow Firm Growth		 86.85% -439.27% -929.58% 276.26% -201.48% 102.07% 444.93% 713.52% -141.30% 102.82% 201.18%
Invested Capital Growth		 15.77% 17.47% 136.37% -100.00% 0.00% -15.69% -15.13% -106.90% 1,042.44% 21.18% 21.38%
Revenue Q/Q Growth		 7.04% -148.50% 1,300.19% 0.00% 0.00% 72.88% -53.46% 379.34% -27.30% -67.52% 2.28%
EBITDA Q/Q Growth		 13.13% -62.61% 13,606.96% 0.00% -186.95% 71.04% 107.27% -17.23% -44.09% -86.22% 23.21%
EBIT Q/Q Growth		 6.75% -84.61% 3,818.97% 0.00% 0.00% 68.10% 100.69% -52.27% -47.29% -87.25% 25.36%
NOPAT Q/Q Growth		 9.87% -81.25% 127.04% 0.00% 30.10% -43.25% 91.43% 1,281.31% -22.36% -59.12% 25.28%
Net Income Q/Q Growth		 9.65% -81.02% 137.06% 0.00% 9.01% -36.44% 33.89% -130.93% 1,078.23% -10.98% 25.37%
EPS Q/Q Growth		 9.40% -81.30% 133.75% 0.00% 9.09% -35.54% 34.78% -48.84% 121.59% -5.52% 25.73%
Operating Cash Flow Q/Q Growth		 5.82% -37.05% -41.50% -30.79% 28.48% -109.83% -3.79% 39.00% 47.71% -16.26% -41.00%
Free Cash Flow Firm Q/Q Growth		 26.73% -158.63% -31.11% 0.00% -3,570.40% 835.70% 61.04% 136.88% -477.01% -82.71% 43.75%
Invested Capital Q/Q Growth		 4.89% 3.83% 26.00% 0.00% -1.90% -9.12% -1.87% -114.45% 17.90% -5.84% -2.01%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 13.11% 0.00% 134.15% 276.72% -1.74% -13.70% 9.86% 9.56% 41.61% 38.36% 45.50%
EBIT Margin		 11.62% 0.00% 130.79% 275.04% -4.01% -15.79% 1.00% -4.08% 37.02% 34.99% 43.21%
Profit (Net Income) Margin		 7.65% 0.00% 0.80% 0.03% -3.62% -11.41% -25.78% -221.48% 122.24% 26.60% 32.91%
Tax Burden Percent		 65.36% 81.37% 1,114.84% -9.29% 90.43% 72.29% 574.71% -27,957.53% 322.56% 74.48% 74.85%
Interest Burden Percent		 100.71% 101.45% 0.05% -0.11% 99.64% 99.94% -448.82% -19.41% 102.37% 102.07% 101.75%
Effective Tax Rate		 34.64% 18.63% -1,014.84% 0.00% 0.00% 0.00% 0.00% 1,560.56% 11.32% 24.93% 25.18%
Return on Invested Capital (ROIC)		 11.59% 0.00% 1.70% -0.87% -6.71% -14.70% -1.39% 55.62% 58.66% 21.30% 24.65%
ROIC Less NNEP Spread (ROIC-NNEP)		 13.07% 0.00% 3.28% 3.39% -14.99% -16.58% -34.75% -335.61% 211.29% 21.93% 25.91%
Return on Net Nonoperating Assets (RNNOA)		 0.76% 0.00% 0.91% 1.02% -2.24% -5.58% -14.59% -682.59% -4,728.10% 16.15% 13.97%
Return on Equity (ROE)		 12.35% 2.37% 2.61% 0.15% -8.95% -20.29% -15.97% -626.96% -4,669.44% 37.44% 38.62%
Cash Return on Invested Capital (CROIC)		 -3.03% -14.01% -79.39% 199.13% -206.71% 2.33% 14.99% 0.00% -84.39% 2.15% 5.34%
Operating Return on Assets (OROA)		 6.28% 0.00% 108.40% 374.56% -1.37% -4.97% 0.08% -0.31% 4.81% 8.74% 12.26%
Return on Assets (ROA)		 4.13% 0.00% 0.66% 0.04% -1.23% -3.59% -2.16% -16.98% 15.89% 6.65% 9.34%
Return on Common Equity (ROCE)		 12.35% 2.37% 2.61% 0.15% -8.60% -19.37% -15.09% -545.20% -4,669.44% 37.44% 38.62%
Return on Equity Simple (ROE_SIMPLE)		 11.44% 2.36% 1.89% 0.00% -5.86% -24.13% -19.16% 258.17% 183.63% 32.13% 33.64%
Net Operating Profit after Tax (NOPAT)		 27 5.62 8.44 -3.05 -23 -93 -7.38 126 83 75 105
NOPAT Margin		 7.60% 0.00% 0.67% -0.22% -2.81% -11.05% -3.18% 59.62% 32.83% 26.27% 32.33%
Net Nonoperating Expense Percent (NNEP)		 -1.48% -0.24% -1.58% -4.27% 8.28% 1.88% 33.37% 391.23% -152.63% -0.64% -1.26%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 88.38% 0.00% -30.79% -175.04% 104.01% 115.79% 99.00% 104.08% 62.98% 65.01% 56.79%
Earnings before Interest and Taxes (EBIT)		 42 6.90 1,658 3,858 -33 -132 2.32 -8.66 94 100 140
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 47 22 1,701 3,881 -14 -115 23 20 105 109 148
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.31 1.18 1.21 0.00 0.98 0.58 0.59 0.00 2.23 2.49 1.82
Price to Tangible Book Value (P/TBV)		 1.33 1.32 1.55 0.00 1.22 0.77 0.83 0.00 3.73 3.45 2.28
Price to Revenue (P/Rev)		 0.88 0.00 0.51 0.47 0.61 0.28 0.79 0.21 1.48 2.06 1.78
Price to Earnings (P/E)		 11.49 49.80 0.39 2,256.95 0.00 0.00 0.00 0.00 1.21 7.76 5.42
Dividend Yield		 1.37% 1.75% 1.58% 1.57% 2.10% 4.48% 5.63% 23.52% 0.00% 0.00% 4.21%
Earnings Yield		 8.71% 2.01% 257.29% 0.04% 0.00% 0.00% 0.00% 0.00% 82.40% 12.89% 18.44%
Enterprise Value to Invested Capital (EV/IC)		 0.96 0.63 0.76 0.00 0.57 0.19 0.24 0.00 1.16 1.40 0.93
Enterprise Value to Revenue (EV/Rev)		 0.68 0.00 0.42 0.47 0.47 0.13 0.50 0.36 1.45 1.89 1.34
Enterprise Value to EBITDA (EV/EBITDA)		 5.16 8.40 0.31 0.17 0.00 0.00 5.02 3.73 3.49 4.92 2.95
Enterprise Value to EBIT (EV/EBIT)		 5.82 27.12 0.32 0.17 0.00 0.00 49.55 0.00 3.92 5.39 3.11
Enterprise Value to NOPAT (EV/NOPAT)		 8.90 33.34 63.19 0.00 0.00 0.00 0.00 0.60 4.42 7.19 4.15
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.46 2.85 15.00 25.41 2.27 0.00 0.00 0.00 0.00 2.21 6.14
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.94 0.00 7.46 1.44 0.12 0.00 71.22 19.18
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.05 0.22 0.30 0.00 0.30 0.38 0.47 -0.82 0.88 0.63 0.47
Long-Term Debt to Equity		 0.05 0.22 0.30 0.00 0.30 0.38 0.47 -0.82 0.88 0.63 0.47
Financial Leverage		 0.06 0.14 0.28 0.30 0.15 0.34 0.42 2.03 -22.38 0.74 0.54
Leverage Ratio		 2.99 3.62 3.93 3.84 4.50 5.65 7.40 36.93 -293.80 5.63 4.14
Compound Leverage Factor		 3.01 3.67 0.00 0.00 4.48 5.64 -33.22 -7.17 -300.77 5.75 4.21
Debt to Total Capital		 4.91% 18.33% 23.10% 0.00% 23.28% 27.45% 32.05% -440.43% 46.84% 38.74% 31.99%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 4.91% 18.33% 23.10% 0.00% 23.28% 27.45% 32.05% -440.43% 46.84% 38.74% 31.99%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 3.04% 3.80% 4.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 95.09% 81.67% 76.90% 0.00% 73.69% 68.75% 63.95% 540.43% 53.16% 61.26% 68.01%
Debt to EBITDA		 0.26 2.43 0.09 0.00 -11.19 -1.38 6.84 7.32 1.41 1.36 1.01
Net Debt to EBITDA		 -1.54 -4.33 -0.07 0.00 9.02 1.25 -3.87 1.55 -0.08 -0.46 -0.97
Long-Term Debt to EBITDA		 0.26 2.43 0.09 0.00 -11.19 -1.38 6.84 7.32 1.41 1.36 1.01
Debt to NOPAT		 0.45 9.65 19.12 0.00 -6.94 -1.71 -21.21 1.17 1.79 1.99 1.42
Net Debt to NOPAT		 -2.67 -17.18 -13.62 0.00 5.59 1.55 12.02 0.25 -0.10 -0.67 -1.37
Long-Term Debt to NOPAT		 0.45 9.65 19.12 0.00 -6.94 -1.71 -21.21 1.17 1.79 1.99 1.42
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 3.84% 4.52% 5.52% 13.04% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -7.11 -38 -395 695 -706 15 80 649 -268 7.54 23
Operating Cash Flow to CapEx		 900.69% 2,087.87% 678.79% 633.21% 638.08% -96.52% -5,604.08% 0.00% 0.00% 1,106,859.09% 45,822.58%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -121.51 0.00 -72.15 1.53 8.57 68.41 -24.64 0.63 2.10
Operating Cash Flow to Interest Expense		 0.00 0.00 10.95 0.00 17.38 -1.09 -31.75 -18.26 -12.51 20.30 6.57
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 9.34 0.00 14.66 -2.22 -32.32 -16.34 -12.47 20.30 6.55
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.54 0.00 0.83 1.36 0.34 0.31 0.08 0.08 0.13 0.25 0.28
Fixed Asset Turnover		 28.43 0.00 72.14 0.00 32.70 25.02 7.06 11.52 56.65 60.60 100.52
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 252 296 698 0.00 683 576 489 -34 317 385 467
Invested Capital Turnover		 1.53 0.00 2.55 4.02 2.39 1.33 0.44 0.93 1.79 0.81 0.76
Increase / (Decrease) in Invested Capital		 34 44 403 -698 683 -107 -87 -522 351 67 82
Enterprise Value (EV)		 242 187 533 655 386 109 115 76 368 537 436
Market Capitalization		 314 284 648 655 494 231 184 44 376 588 579
Book Value per Share		 $11.11 $11.15 $12.56 $0.00 $11.64 $9.19 $7.23 ($4.20) $3.84 $4.89 $6.51
Tangible Book Value per Share		 $10.95 $9.92 $9.80 $0.00 $9.34 $6.98 $5.11 ($6.11) $2.29 $3.53 $5.22
Total Capital		 252 296 698 0.00 683 576 489 -34 317 385 467
Total Debt		 12 54 161 0.00 159 158 157 148 149 149 149
Total Long-Term Debt		 12 54 161 0.00 159 158 157 148 149 149 149
Net Debt		 -72 -97 -115 0.00 -128 -143 -89 31 -8.31 -50 -144
Capital Expenditures (CapEx)		 11 3.15 5.24 4.07 27 11 5.27 -18 -0.43 0.02 0.16
Net Nonoperating Expense (NNE)		 -0.19 -0.08 -1.71 -3.44 6.58 2.97 52 596 -227 -0.95 -1.88
Net Nonoperating Obligations (NNO)		 12 54 161 0.00 159 158 157 148 149 149 149
Total Depreciation and Amortization (D&A)		 5.33 15 43 23 19 17 21 29 12 9.61 7.42
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.29 $0.27 $0.27 $0.01 ($0.70) ($2.25) ($1.35) ($10.91) $7.11 $1.59 $2.20
Adjusted Weighted Average Basic Shares Outstanding		 21.22M 21.42M 37.15M 42.65M 42.76M 42.86M 42.95M 43.05M 43.60M 47.83M 48.48M
Adjusted Diluted Earnings per Share		 $1.28 $0.26 $0.27 $0.01 ($0.70) ($2.25) ($1.35) ($10.91) $6.98 $1.54 $2.15
Adjusted Weighted Average Diluted Shares Outstanding		 21.45M 21.61M 37.38M 42.84M 42.76M 42.86M 42.95M 43.05M 44.39M 49.36M 49.78M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 21.52M 21.68M 42.75M 42.98M 43.03M 43.09M 43.32M 0.00 47.80M 48.25M 48.66M
Normalized Net Operating Profit after Tax (NOPAT)		 27 5.62 0.53 25 8.11 -56 4.00 -6.06 83 75 105
Normalized NOPAT Margin		 7.60% 0.00% 0.04% 1.81% 0.99% -6.63% 1.72% -2.86% 32.83% 26.27% 32.33%
Pre Tax Income Margin		 11.71% 0.00% 0.07% -0.30% -4.00% -15.78% -4.49% 0.79% 37.90% 35.71% 43.97%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 510.73 0.00 -3.35 -13.79 0.25 -0.91 8.63 8.30 12.97
NOPAT to Interest Expense		 0.00 0.00 2.60 0.00 -2.34 -9.66 -0.79 13.34 7.65 6.23 9.70
EBIT Less CapEx to Interest Expense		 0.00 0.00 509.11 0.00 -6.07 -14.93 -0.32 1.00 8.67 8.30 12.96
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.99 0.00 -5.07 -10.79 -1.36 15.26 7.69 6.23 9.69
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 15.72% 87.29% 88.62% 2,606.09% 0.00% -10.80% -17.29% -0.55% 0.00% 31.83% 0.00%
Augmented Payout Ratio		 15.72% 87.29% 88.62% 2,606.09% 0.00% -10.80% -17.29% -0.55% 0.00% 31.83% 0.00%

Quarterly Metrics And Ratios for American Coastal Insurance

This table displays calculated financial ratios and metrics derived from American Coastal Insurance's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 43,897,772.00 47,799,465.00 47,828,491.00 48,145,582.00 48,204,962.00 48,248,630.00 48,353,412.00 48,765,302.00 48,765,302.00 48,656,205.00 48,464,047.00
DEI Adjusted Shares Outstanding		 43,897,772.00 47,799,465.00 47,828,491.00 48,145,582.00 48,204,962.00 48,248,630.00 48,353,412.00 48,765,302.00 48,765,302.00 48,656,205.00 48,464,047.00
DEI Earnings Per Adjusted Shares Outstanding		 0.33 0.49 0.40 0.58 0.10 0.44 0.55 0.67 0.54 0.40 0.45
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.51% -26.68% -7.90% 58.73% 67.14% 8.78% 28.39% 10.89% 9.46% -0.87% -4.17%
EBITDA Growth		 -68.15% -6.19% 9.02% 87.34% -55.80% -17.96% 45.05% 12.29% 245.28% -1.75% -23.35%
EBIT Growth		 -72.53% -6.78% 11.50% 97.14% -58.00% -17.78% 50.25% 15.64% 318.91% 1.66% -21.35%
NOPAT Growth		 16.14% -22.60% -9.90% 79.63% -66.74% -18.15% 46.37% 17.01% 360.25% 1.00% -18.79%
Net Income Growth		 105.30% -91.17% 7.17% 166.08% -65.37% -9.54% 38.77% 15.52% 437.08% -9.81% -17.19%
EPS Growth		 105.22% -92.18% -4.88% 137.50% -47.37% -10.42% 35.90% 14.04% 440.00% -9.30% -16.98%
Operating Cash Flow Growth		 165.02% 219.51% 198.25% -118.73% -96.72% -78.76% 1.22% -296.65% -3,080.77% -121.69% -54.28%
Free Cash Flow Firm Growth		 -162.05% -140.66% -212.19% -435.01% 81.60% 58.05% 54.03% 67.84% 10.03% -35.86% 36.81%
Invested Capital Growth		 1,042.44% 48.02% 42.55% 51.72% 21.18% 16.22% 18.70% 16.64% 21.38% 17.35% 11.06%
Revenue Q/Q Growth		 -8.14% -90.44% 2.11% 21.22% -3.27% -9.15% 20.53% 4.69% -4.52% -17.72% 16.51%
EBITDA Q/Q Growth		 24.21% -95.26% -20.34% 47.59% -70.70% 138.11% 40.85% 14.26% -9.89% -32.24% 9.89%
EBIT Q/Q Growth		 15.80% -95.57% -21.21% 49.79% -75.33% 182.36% 43.98% 15.29% -10.62% -31.48% 11.39%
NOPAT Q/Q Growth		 16.12% -79.46% -20.11% 48.10% -78.50% 221.79% 42.85% 18.39% -15.43% -29.38% 14.86%
Net Income Q/Q Growth		 35.16% 65.21% -19.26% 47.58% -82.41% 331.62% 23.86% 22.85% -18.22% -27.52% 13.72%
EPS Q/Q Growth		 -20.83% 152.63% -18.75% 46.15% -82.46% 330.00% 23.26% 22.64% -16.92% -27.78% 12.82%
Operating Cash Flow Q/Q Growth		 1.99% 154.64% 1.54% -107.10% 117.84% 1,550.62% 383.87% -127.84% -34.08% 87.99% 1,119.80%
Free Cash Flow Firm Q/Q Growth		 -1,493.81% 61.74% -1.34% -20.94% 45.19% 37.55% -11.06% 15.40% -53.33% 5.69% 48.35%
Invested Capital Q/Q Growth		 17.90% 11.12% 5.43% 9.84% -5.84% 6.58% 7.68% 7.93% -2.01% 3.04% 1.91%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 56.09% 51.54% 40.21% 48.96% 14.83% 38.87% 45.43% 49.58% 46.79% 38.53% 36.34%
EBIT Margin		 46.29% 47.84% 36.91% 45.61% 11.63% 36.16% 43.19% 47.57% 44.53% 37.08% 35.45%
Profit (Net Income) Margin		 31.21% 36.94% 29.21% 35.56% 6.47% 30.72% 31.57% 37.05% 31.73% 27.95% 27.28%
Tax Burden Percent		 65.58% 75.23% 76.56% 77.00% 55.65% 81.50% 70.41% 76.67% 72.54% 74.76% 77.09%
Interest Burden Percent		 102.82% 102.65% 103.37% 101.26% 99.88% 104.26% 103.81% 101.59% 98.24% 100.83% 99.83%
Effective Tax Rate		 14.71% 24.42% 23.36% 24.23% 33.97% 24.75% 25.34% 23.33% 27.46% 25.24% 22.91%
Return on Invested Capital (ROIC)		 68.98% 104.33% 75.74% 89.38% 6.23% 20.71% 24.48% 26.16% 24.63% 20.16% 18.80%
ROIC Less NNEP Spread (ROIC-NNEP)		 66.70% 104.53% 75.97% 89.91% 5.60% 21.68% 24.27% 26.50% 24.31% 20.27% 18.78%
Return on Net Nonoperating Assets (RNNOA)		 -1,492.57% 582.84% 351.77% 70.36% 4.13% 41.71% 43.26% 13.47% 13.11% 10.21% 8.86%
Return on Equity (ROE)		 -1,423.60% 687.17% 427.51% 159.74% 10.35% 62.42% 67.75% 39.62% 37.73% 30.37% 27.66%
Cash Return on Invested Capital (CROIC)		 -84.39% 19.61% 18.71% 12.87% 2.15% 3.50% 2.35% 3.57% 5.34% 7.63% 11.00%
Operating Return on Assets (OROA)		 6.02% 32.32% 22.69% 34.86% 2.91% 9.38% 10.04% 13.00% 12.63% 11.14% 8.77%
Return on Assets (ROA)		 4.06% 24.96% 17.96% 27.18% 1.62% 7.97% 7.34% 10.13% 9.00% 8.40% 6.75%
Return on Common Equity (ROCE)		 -1,423.60% 2,246.61% 1,275.98% 159.74% 10.35% 111.23% 119.45% 39.62% 37.73% 30.37% 27.66%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 32.47% 30.26% 32.77% 0.00% 28.16% 27.66% 26.04% 0.00% 31.58% 29.40%
Net Operating Profit after Tax (NOPAT)		 18 23 18 27 5.88 19 27 32 27 19 22
NOPAT Margin		 38.60% 36.16% 28.29% 34.56% 7.68% 27.21% 32.25% 36.47% 32.30% 27.72% 27.33%
Net Nonoperating Expense Percent (NNEP)		 2.28% -0.20% -0.23% -0.53% 0.62% -0.97% 0.22% -0.34% 0.32% -0.11% 0.02%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 53.71% 52.16% 63.09% 54.39% 88.37% 63.84% 56.81% 52.43% 55.47% 62.92% 64.55%
Earnings before Interest and Taxes (EBIT)		 21 31 24 36 8.90 25 36 42 37 26 28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 26 33 26 39 11 27 38 43 39 27 29
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.23 2.41 2.18 2.01 2.49 2.01 1.84 1.70 1.82 1.65 1.58
Price to Tangible Book Value (P/TBV)		 3.73 3.62 3.11 2.70 3.45 2.68 2.36 2.11 2.28 2.03 1.93
Price to Revenue (P/Rev)		 1.48 0.58 0.57 0.60 2.06 1.81 1.74 1.75 1.78 1.69 1.68
Price to Earnings (P/E)		 1.21 1.26 1.25 1.28 7.76 7.15 6.65 6.52 5.42 5.23 5.37
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 4.59% 4.50% 4.39% 4.21% 6.67% 6.76%
Earnings Yield		 82.40% 79.06% 80.32% 78.05% 12.89% 13.99% 15.04% 15.34% 18.44% 19.14% 18.63%
Enterprise Value to Invested Capital (EV/IC)		 1.16 0.95 1.00 1.06 1.40 1.08 0.63 0.73 0.93 0.95 0.76
Enterprise Value to Revenue (EV/Rev)		 1.45 0.39 0.44 0.49 1.89 1.52 0.91 1.09 1.34 1.41 1.16
Enterprise Value to EBITDA (EV/EBITDA)		 3.49 0.43 0.48 0.54 4.92 4.27 2.43 2.88 2.95 3.11 2.68
Enterprise Value to EBIT (EV/EBIT)		 3.92 0.44 0.49 0.55 5.39 4.69 2.63 3.09 3.11 3.25 2.78
Enterprise Value to NOPAT (EV/NOPAT)		 4.42 1.94 2.19 2.36 7.19 6.25 3.53 4.12 4.15 4.35 3.70
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 3.62 1.07 1.48 2.21 3.03 1.90 2.87 6.14 11.79 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 5.78 6.30 9.88 71.22 33.02 29.22 21.87 19.18 13.47 7.22
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.88 0.00 0.00 0.57 0.63 0.57 0.51 0.46 0.47 0.45 0.44
Long-Term Debt to Equity		 0.88 0.00 0.00 0.57 0.63 0.57 0.51 0.46 0.47 0.45 0.44
Financial Leverage		 -22.38 5.58 4.63 0.78 0.74 1.92 1.78 0.51 0.54 0.50 0.47
Leverage Ratio		 -293.80 28.09 24.52 6.03 5.63 8.57 9.09 3.96 4.14 3.64 4.09
Compound Leverage Factor		 -302.08 28.83 25.35 6.11 5.63 8.94 9.44 4.02 4.06 3.67 4.09
Debt to Total Capital		 46.84% 100.00% 100.00% 36.46% 38.74% 36.37% 33.79% 31.33% 31.99% 31.06% 30.50%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 46.84% 100.00% 100.00% 36.46% 38.74% 36.37% 33.79% 31.33% 31.99% 31.06% 30.50%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 53.16% 137.12% 149.86% 63.54% 61.26% 63.63% 66.21% 68.67% 68.01% 68.94% 69.51%
Debt to EBITDA		 1.41 0.19 0.19 0.19 1.36 1.44 1.30 1.25 1.01 1.02 1.08
Net Debt to EBITDA		 -0.08 -0.20 -0.15 -0.12 -0.46 -0.81 -2.24 -1.75 -0.97 -0.61 -1.21
Long-Term Debt to EBITDA		 1.41 0.19 0.19 0.19 1.36 1.44 1.30 1.25 1.01 1.02 1.08
Debt to NOPAT		 1.79 0.86 0.87 0.81 1.99 2.11 1.89 1.78 1.42 1.42 1.49
Net Debt to NOPAT		 -0.10 -0.91 -0.66 -0.50 -0.67 -1.19 -3.26 -2.51 -1.37 -0.85 -1.68
Long-Term Debt to NOPAT		 1.79 0.86 0.87 0.81 1.99 2.11 1.89 1.78 1.42 1.42 1.49
Noncontrolling Interest Sharing Ratio		 0.00% -226.94% -198.47% 0.00% 0.00% -78.19% -76.32% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -333 -91 -93 -112 -61 -38 -43 -36 -55 -52 -27
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% -81,627.27% 14,563.64% 27,544.79% 0.00% 0.00% -80,935.59% -4,217.65% 24,891.91%
Free Cash Flow to Firm to Interest Expense		 -122.65 -33.59 -27.02 -36.50 -22.04 -14.10 -15.65 -13.24 -20.75 -22.21 -11.47
Operating Cash Flow to Interest Expense		 17.98 45.78 36.89 -2.93 0.58 9.73 47.06 -13.10 -17.95 -2.45 24.96
Operating Cash Flow Less CapEx to Interest Expense		 17.98 45.78 36.89 -2.93 0.57 9.70 47.06 -13.10 -17.97 -2.51 24.86
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.13 0.68 0.61 0.76 0.25 0.26 0.23 0.27 0.28 0.30 0.25
Fixed Asset Turnover		 56.65 113.15 124.86 156.37 60.60 38.31 48.09 62.81 100.52 117.95 138.94
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 317 353 372 409 385 410 441 476 467 481 490
Invested Capital Turnover		 1.79 2.89 2.68 2.59 0.81 0.76 0.76 0.72 0.76 0.73 0.69
Increase / (Decrease) in Invested Capital		 351 114 111 139 67 57 70 68 82 71 49
Enterprise Value (EV)		 368 335 373 431 537 441 280 346 436 458 370
Market Capitalization		 376 492 486 522 588 525 538 555 579 547 538
Book Value per Share		 $3.84 $4.27 $4.66 $5.39 $4.89 $5.41 $6.05 $6.71 $6.51 $6.82 $7.03
Tangible Book Value per Share		 $2.29 $2.85 $3.27 $4.02 $3.53 $4.06 $4.72 $5.41 $5.22 $5.54 $5.76
Total Capital		 317 149 149 409 385 410 441 476 467 481 490
Total Debt		 149 149 149 149 149 149 149 149 149 149 150
Total Long-Term Debt		 149 149 149 149 149 149 149 149 149 149 150
Net Debt		 -8.31 -157 -113 -91 -50 -84 -258 -210 -144 -90 -168
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.01 0.01 0.10 0.00 0.00 0.06 0.14 0.24
Net Nonoperating Expense (NNE)		 3.38 -0.50 -0.60 -0.79 0.93 -2.44 0.57 -0.51 0.48 -0.16 0.04
Net Nonoperating Obligations (NNO)		 149 353 372 149 149 149 149 149 149 149 150
Total Depreciation and Amortization (D&A)		 4.48 2.37 2.15 2.65 2.45 1.89 1.87 1.76 1.89 1.00 0.71
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.27 $0.50 $0.40 $0.59 $0.10 $0.44 $0.55 $0.67 $0.54 $0.40 $0.46
Adjusted Weighted Average Basic Shares Outstanding		 43.60M 47.32M 47.82M 48.07M 47.83M 48.14M 48.43M 48.66M 48.48M 48.55M 48.09M
Adjusted Diluted Earnings per Share		 $0.19 $0.48 $0.39 $0.57 $0.10 $0.43 $0.53 $0.65 $0.54 $0.39 $0.44
Adjusted Weighted Average Diluted Shares Outstanding		 44.39M 48.97M 49.40M 49.52M 49.36M 49.56M 49.64M 49.92M 49.78M 49.81M 49.30M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 47.80M 47.83M 48.15M 48.20M 48.25M 48.35M 48.77M 48.77M 48.66M 48.46M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 18 23 18 27 5.88 19 27 32 27 19 22
Normalized NOPAT Margin		 38.60% 36.16% 28.29% 34.56% 7.68% 27.21% 32.25% 36.47% 32.30% 27.72% 27.33%
Pre Tax Income Margin		 47.60% 49.11% 38.15% 46.18% 11.62% 37.70% 44.84% 48.33% 43.74% 37.39% 35.39%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 7.79 11.24 7.03 11.76 3.20 9.25 13.30 15.34 14.01 10.90 12.14
NOPAT to Interest Expense		 6.50 8.49 5.39 8.91 2.11 6.96 9.93 11.76 10.17 8.15 9.36
EBIT Less CapEx to Interest Expense		 7.79 11.24 7.03 11.76 3.19 9.21 13.30 15.34 13.99 10.84 12.04
NOPAT Less CapEx to Interest Expense		 6.50 8.49 5.39 8.91 2.11 6.92 9.93 11.76 10.14 8.09 9.26
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 31.83% 32.81% 0.00% 0.00% 0.00% 34.92% 36.50%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 31.83% 32.81% 0.00% 0.00% 0.00% 34.92% 36.50%

Financials Breakdown Chart

Key Financial Trends

American Coastal Insurance (NASDAQ: ACIC) remained profitable in Q2 2026, but its results continue to reflect the volatility of insurance claims, investment gains and operating cash flows. Net income rose to $21.9 million, or $0.44 diluted earnings per share, from $19.3 million and $0.39 per share in Q1 2026. However, earnings were below the restated $26.4 million reported in Q2 2025.

Revenue increased to $80.3 million in Q2 2026 from $68.9 million in Q1, supported by $69.7 million of premiums earned and $12.9 million of realized and unrealized investment gains. The company has generated positive net income in each reported quarter in the provided period, although earnings have benefited meaningfully from investment gains and have fluctuated with claims expenses.

The balance sheet improved sequentially. Total equity increased to $340.8 million from $331.7 million in Q1 2026 and $292.3 million in Q2 2025. Cash and restricted cash totaled approximately $317.2 million at June 30, 2026, while long-term debt remained relatively stable at $149.5 million. Still, liabilities rose sharply during the latest quarter, largely because of higher unearned premiums and other long-term liabilities.

  • Consistent profitability: ACIC has reported positive net income in every quarter supplied from Q3 2023 through Q2 2026, with Q2 2026 net income increasing 13.7% sequentially to $21.9 million.
  • Premium growth over the longer period: Q2 2026 premiums earned of $69.7 million were higher than Q1 2026 and approximately 10% above the restated Q2 2025 level of $65.6 million.
  • Improved capital position: Total equity rose to $340.8 million in Q2 2026, up from $260.9 million in Q1 2024 and $120.6 million in Q3 2023, despite continued negative accumulated retained earnings.
  • Operating cash flow rebounded: Cash from operating activities was $58.5 million in Q2 2026, reversing the $5.7 million outflow in Q1 and the $47.8 million outflow in Q4 2025.
  • Debt remained comparatively stable: Long-term debt has stayed near $149 million throughout the supplied periods, while cash and restricted cash increased sequentially by approximately $78 million in Q2 2026.
  • Investment portfolio remains important: Trading account securities totaled $332.8 million, and Q2 investment gains contributed $12.9 million to revenue. This supports earnings but also creates exposure to market conditions and makes quarterly results less predictable.
  • Shareholder returns reduced liquidity: ACIC repurchased $14.4 million of common stock in Q2 2026 after repurchasing $5.0 million in Q1. The company also paid $36.6 million of dividends in Q1, although these actions can support per-share results over time.
  • Claims expenses increased sequentially: Property and liability insurance claims rose to $18.8 million in Q2 2026 from $10.2 million in Q1, placing pressure on the company’s underwriting profitability.
  • Cash flow remains highly volatile: Operating cash flow has alternated between large inflows and outflows, including a $127.9 million inflow in Q2 2025, a $47.8 million outflow in Q4 2025 and a $5.7 million outflow in Q1 2026. Much of this volatility comes from changes in operating assets and liabilities rather than reported earnings.
  • Balance-sheet leverage and retained losses remain concerns: Total liabilities increased to $903.0 million in Q2 2026 from $665.3 million in Q1, while retained earnings remained negative at $73.4 million. The liability increase warrants monitoring as the company expands its premium base and claims obligations.

Overall, ACIC’s recent statements show improving equity, continued profitability and a Q2 cash-flow recovery. Investors should nevertheless monitor claims trends, the sustainability of investment gains and the company’s ability to convert accounting earnings into consistent operating cash flow. The supplied historical statements also include restated figures, so comparisons with previously reported results may differ.

10/13/26 03:38 PM ETAI Generated. May Contain Errors.

American Coastal Insurance Financials - Frequently Asked Questions

According to the most recent income statement we have on file, American Coastal Insurance's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

American Coastal Insurance's net income appears to be on an upward trend, with a most recent value of $106.84 million in 2025, rising from $41.01 million in 2014. The previous period was $75.72 million in 2024. Check out American Coastal Insurance's forecast to explore projected trends and price targets.

Over the last 11 years, American Coastal Insurance's total revenue changed from $280.23 million in 2014 to $324.62 million in 2025, a change of 15.8%.

In the past 11 quarters, American Coastal Insurance's cash and equivalents has ranged from $111.06 million in Q3 2023 to $315.49 million in Q2 2025, and is currently $218.94 million as of their latest financial filing in Q2 2026.

American Coastal Insurance had total debt of $149.35 million at the end of 2025, a 0.2% increase from 2024, and a 1,109.0% increase since 2015.

Over the last 10 years, American Coastal Insurance's book value per share changed from 11.11 in 2015 to 6.51 in 2025, a change of -41.4%.


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Financial statements for NASDAQ:ACIC last updated on 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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