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American Coastal Insurance (ACIC) Financials

American Coastal Insurance logo
$10.28 +0.29 (+2.90%)
Closing price 04:00 PM Eastern
Extended Trading
$10.26 -0.01 (-0.15%)
As of 07:34 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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 11 14 24 19 28 4.95 21 26 32 27 19
Consolidated Net Income / (Loss)		 11 14 24 19 28 4.95 21 26 32 27 19
Net Income / (Loss) Continuing Operations		 15 19 24 19 28 5.87 20 28 32 27 19
Total Pre-Tax Income 		18 22 31 25 37 8.89 26 38 42 37 26
Total Revenue		 50 46 64 65 79 76 69 84 88 84 69
Net Interest Income / (Expense)		 -2.72 -2.72 -2.72 -3.43 -3.07 -2.78 -2.72 -2.72 -2.72 -2.66 -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 2.72 3.43 3.07 2.78 2.72 2.72 2.72 2.66 2.34
Long-Term Debt Interest Expense		 2.72 2.72 2.72 3.43 3.07 2.78 2.72 2.72 2.72 2.66 2.34
Total Non-Interest Income		 53 48 67 69 82 79 72 86 90 86 71
Net Realized & Unrealized Capital Gains on Investments		 2.27 2.02 3.97 5.28 7.65 5.78 3.93 8.02 9.58 7.06 5.61
Premiums Earned		 50 46 63 63 74 73 68 78 81 79 66
Total Non-Interest Expense		 32 25 33 41 43 68 44 48 46 46 43
Property & Liability Insurance Claims		 9.82 4.20 12 15 12 30 11 16 9.21 9.90 10
Insurance Policy Acquisition Costs		 14 11 9.60 14 21 27 23 24 25 25 22
Other Operating Expenses		 8.09 9.05 11 12 10 11 9.51 7.78 11 12 11
Nonoperating Income / (Expense), net		 -0.24 1.07 0.81 0.81 0.45 -0.01 1.07 1.38 0.67 -0.66 0.21
Income Tax Expense		 3.04 3.20 7.66 5.81 8.85 3.02 6.48 9.52 9.89 10 6.50
Net Income / (Loss) Discontinued Operations		 -4.45 -4.29 -0.11 -0.02 0.45 -0.92 1.64 -1.60 0.00 - 0.00
Basic Earnings per Share		 $0.24 $0.27 $0.50 $0.40 $0.59 $0.10 $0.44 $0.55 $0.67 $0.54 $0.40
Weighted Average Basic Shares Outstanding		 43.30M 43.60M 47.32M 47.82M 48.07M 47.83M 48.14M 48.43M 48.66M 48.48M 48.55M
Diluted Earnings per Share		 $0.24 $0.19 $0.48 $0.39 $0.57 $0.10 $0.43 $0.53 $0.65 $0.54 $0.39
Weighted Average Diluted Shares Outstanding		 44.14M 44.39M 48.97M 49.40M 49.52M 49.36M 49.56M 49.64M 49.92M 49.78M 49.81M
Weighted Average Basic & Diluted Shares Outstanding		 43.90M 47.80M 47.83M 48.15M 48.20M 48.25M 48.35M 48.77M 48.77M 48.66M 48.46M

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Change in Cash & Equivalents		 53 41 134 -24 -19 -40 32 153 -48 -66 -54
Net Cash From Operating Activities		 48 49 124 126 -8.98 1.60 26 128 -36 -48 -5.74
Net Cash From Continuing Operating Activities		 48 49 124 126 -8.98 1.60 26 128 -36 -48 -5.74
Net Income / (Loss) Continuing Operations		 11 14 24 19 28 4.95 21 26 32 27 19
Consolidated Net Income / (Loss)		 11 14 24 19 28 4.95 21 26 32 27 19
Provision For Loan Losses		 0.01 -0.03 -0.00 0.00 0.03 -0.01 -0.01 -0.02 - - 0.00
Depreciation Expense		 2.11 4.24 2.17 1.95 2.50 2.26 1.72 1.69 1.63 1.53 0.86
Amortization Expense		 0.26 0.25 0.20 0.21 0.15 0.19 0.17 0.18 0.14 0.37 0.14
Non-Cash Adjustments to Reconcile Net Income		 -5.50 60 0.61 -0.10 -0.83 0.20 1.32 1.42 -2.12 0.79 0.60
Changes in Operating Assets and Liabilities, net		 40 -29 98 105 -39 -5.98 1.90 98 -68 -77 -27
Net Cash From Investing Activities		 5.25 -34 -2.01 -151 -10 -16 5.20 25 -12 -17 -6.60
Net Cash From Continuing Investing Activities		 5.25 -34 -2.01 -151 -10 -16 5.20 25 -12 -17 -6.60
Purchase of Property, Leasehold Improvements and Equipment		 0.08 - 0.00 - -0.01 -0.01 -0.10 - - -0.06 -0.14
Purchase of Investment Securities		 -0.85 -40 -6.00 -161 -21 -27 -15 -46 -69 -37 -10
Sale and/or Maturity of Investments		 5.99 5.61 4.00 10 10 11 21 66 57 25 3.93
Net Cash From Financing Activities		 0.04 27 11 0.06 0.16 -25 0.31 0.47 - -1.86 -42
Net Cash From Continuing Financing Activities		 0.04 27 11 0.06 0.16 -25 0.31 0.47 - -1.86 -42
Issuance of Common Equity		 0.04 27 11 0.06 0.16 - 0.31 0.47 - - 0.00
Repurchase of Common Equity		 - - - - - - 0.00 - - - -5.00
Payment of Dividends		 - - 0.00 - - - 0.00 - - - -37
Cash Interest Paid		 - 5.44 0.00 5.44 - 7.37 0.00 5.44 - 5.44 0.00
Cash Income Taxes Paid		 9.98 2.08 7.17 -0.61 - 0.64 -0.03 0.01 0.02 -1.10 0.00

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
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
Total Assets		 1,150 1,077 1,311 1,144 1,160 1,347 1,179 997
Cash and Due from Banks		 111 285 229 183 167 315 268 117
Restricted Cash		 19 20 32 57 66 92 91 122
Trading Account Securities		 156 199 311 331 336 319 336 360
Loans and Leases, Net of Allowance		 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
Premises and Equipment, Net		 3.91 10 9.10 7.30 4.80 3.75 2.81 0.69
Unearned Premiums Asset		 712 449 520 365 385 480 359 279
Deferred Acquisition Cost		 29 27 51 43 46 58 44 40
Goodwill		 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
Other Assets		 47 16 87 88 87 11 11 12
Total Liabilities & Shareholders' Equity		 1,150 1,077 1,311 1,144 1,160 1,347 1,179 997
Total Liabilities		 1,029 873 1,088 884 899 1,055 852 665
Other Short-Term Payables		 85 82 76 76 66 65 65 80
Long-Term Debt		 149 149 149 149 149 149 149 149
Claims and Claim Expense		 443 280 211 173 256 219 189 127
Unearned Premiums Liability		 325 322 374 307 321 384 293 258
Other Long-Term Liabilities		 27 42 278 179 106 237 156 51
Commitments & Contingencies		 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
Total Preferred & Common Equity		 0.00 204 223 260 261 292 327 332
Preferred Stock		 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
Common Stock		 397 436 436 437 438 440 441 441
Retained Earnings		 -252 -214 -194 -166 -163 -137 -104 -95
Treasury Stock		 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43 -0.43 -5.43
Accumulated Other Comprehensive Income / (Loss)		 -24 -17 -19 -12 -13 -9.79 -8.40 -8.49

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
DEI Shares Outstanding		 43,406,486.00 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
DEI Adjusted Shares Outstanding		 43,406,486.00 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
DEI Earnings Per Adjusted Shares Outstanding		 0.24 0.33 0.49 0.40 0.58 0.10 0.44 0.55 0.67 0.54 0.40
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -59.70% -3.51% -26.68% -7.90% 58.73% 67.14% 8.78% 28.39% 10.89% 9.46% -0.87%
EBITDA Growth		 140.40% -68.15% -6.19% 9.02% 87.34% -55.80% -17.96% 45.05% 12.29% 245.28% -1.75%
EBIT Growth		 126.69% -72.53% -6.78% 11.50% 97.14% -58.00% -17.78% 50.25% 15.64% 318.91% 1.66%
NOPAT Growth		 179.03% 16.14% -22.60% -9.90% 79.63% -66.74% -18.15% 46.37% 17.01% 360.25% 1.00%
Net Income Growth		 110.75% 105.30% -91.17% 7.17% 166.08% -65.37% -9.54% 38.77% 15.52% 437.08% -9.81%
EPS Growth		 107.27% 105.22% -92.18% -4.88% 137.50% -47.37% -10.42% 35.90% 14.04% 440.00% -9.30%
Operating Cash Flow Growth		 145.13% 165.02% 219.51% 198.25% -118.73% -96.72% -78.76% 1.22% -296.65% -3,080.77% -121.69%
Free Cash Flow Firm Growth		 -108.52% -162.05% -140.66% -212.19% -435.01% 81.60% 58.05% 54.03% 67.84% 10.03% -35.86%
Invested Capital Growth		 15.50% 1,042.44% 48.02% 42.55% 51.72% 21.18% 16.22% 18.70% 16.64% 21.38% 17.35%
Revenue Q/Q Growth		 -29.66% -8.14% -90.44% 2.11% 21.22% -3.27% -9.15% 20.53% 4.69% -4.52% -17.72%
EBITDA Q/Q Growth		 -14.10% 24.21% -95.26% -20.34% 47.59% -70.70% 138.11% 40.85% 14.26% -9.89% -32.24%
EBIT Q/Q Growth		 -15.27% 15.80% -95.57% -21.21% 49.79% -75.33% 182.36% 43.98% 15.29% -10.62% -31.48%
NOPAT Q/Q Growth		 -25.72% 16.12% -79.46% -20.11% 48.10% -78.50% 221.79% 42.85% 18.39% -15.43% -29.38%
Net Income Q/Q Growth		 -40.56% 35.16% 65.21% -19.26% 47.58% -82.41% 331.62% 23.86% 22.85% -18.22% -27.52%
EPS Q/Q Growth		 -41.46% -20.83% 152.63% -18.75% 46.15% -82.46% 330.00% 23.26% 22.64% -16.92% -27.78%
Operating Cash Flow Q/Q Growth		 137.26% 1.99% 154.64% 1.54% -107.10% 117.84% 1,550.62% 383.87% -127.84% -34.08% 87.99%
Free Cash Flow Firm Q/Q Growth		 -125.36% -1,493.81% 61.74% -1.34% -20.94% 45.19% 37.55% -11.06% 15.40% -53.33% 5.69%
Invested Capital Q/Q Growth		 3.19% 17.90% 11.12% 5.43% 9.84% -5.84% 6.58% 7.68% 7.93% -2.01% 3.04%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.48% 56.09% 51.54% 40.21% 48.96% 14.83% 38.87% 45.43% 49.58% 46.79% 38.53%
EBIT Margin		 36.72% 46.29% 47.84% 36.91% 45.61% 11.63% 36.16% 43.19% 47.57% 44.53% 37.08%
Profit (Net Income) Margin		 21.21% 31.21% 36.94% 29.21% 35.56% 6.47% 30.72% 31.57% 37.05% 31.73% 27.95%
Tax Burden Percent		 58.53% 65.58% 75.23% 76.56% 77.00% 55.65% 81.50% 70.41% 76.67% 72.54% 74.76%
Interest Burden Percent		 98.70% 102.82% 102.65% 103.37% 101.26% 99.88% 104.26% 103.81% 101.59% 98.24% 100.83%
Effective Tax Rate		 16.85% 14.71% 24.42% 23.36% 24.23% 33.97% 24.75% 25.34% 23.33% 27.46% 25.24%
Return on Invested Capital (ROIC)		 42.40% 68.98% 104.33% 75.74% 89.38% 6.23% 20.71% 24.48% 26.16% 24.63% 20.16%
ROIC Less NNEP Spread (ROIC-NNEP)		 39.31% 66.70% 104.53% 75.97% 89.91% 5.60% 21.68% 24.27% 26.50% 24.31% 20.27%
Return on Net Nonoperating Assets (RNNOA)		 58.91% -1,492.57% 582.84% 351.77% 70.36% 4.13% 41.71% 43.26% 13.47% 13.11% 10.21%
Return on Equity (ROE)		 101.30% -1,423.60% 687.17% 427.51% 159.74% 10.35% 62.42% 67.75% 39.62% 37.73% 30.37%
Cash Return on Invested Capital (CROIC)		 28.29% -84.39% 19.61% 18.71% 12.87% 2.15% 3.50% 2.35% 3.57% 5.34% 7.63%
Operating Return on Assets (OROA)		 6.26% 6.02% 32.32% 22.69% 34.86% 2.91% 9.38% 10.04% 13.00% 12.63% 11.14%
Return on Assets (ROA)		 3.62% 4.06% 24.96% 17.96% 27.18% 1.62% 7.97% 7.34% 10.13% 9.00% 8.40%
Return on Common Equity (ROCE)		 101.30% -1,423.60% 2,246.61% 1,275.98% 159.74% 10.35% 111.23% 119.45% 39.62% 37.73% 30.37%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 32.47% 30.26% 32.77% 0.00% 28.16% 27.66% 26.04% 0.00% 31.58%
Net Operating Profit after Tax (NOPAT)		 15 18 23 18 27 5.88 19 27 32 27 19
NOPAT Margin		 30.54% 38.60% 36.16% 28.29% 34.56% 7.68% 27.21% 32.25% 36.47% 32.30% 27.72%
Net Nonoperating Expense Percent (NNEP)		 3.08% 2.28% -0.20% -0.23% -0.53% 0.62% -0.97% 0.22% -0.34% 0.32% -0.11%
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		 63.28% 53.71% 52.16% 63.09% 54.39% 88.37% 63.84% 56.81% 52.43% 55.47% 62.92%
Earnings before Interest and Taxes (EBIT)		 18 21 31 24 36 8.90 25 36 42 37 26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 21 26 33 26 39 11 27 38 43 39 27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.65 2.23 2.41 2.18 2.01 2.49 2.01 1.84 1.70 1.82 1.65
Price to Tangible Book Value (P/TBV)		 6.26 3.73 3.62 3.11 2.70 3.45 2.68 2.36 2.11 2.28 2.03
Price to Revenue (P/Rev)		 0.92 1.48 0.58 0.57 0.60 2.06 1.81 1.74 1.75 1.78 1.69
Price to Earnings (P/E)		 12.15 1.21 1.26 1.25 1.28 7.76 7.15 6.65 6.52 5.42 5.23
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 4.59% 4.50% 4.39% 4.21% 6.67%
Earnings Yield		 8.23% 82.40% 79.06% 80.32% 78.05% 12.89% 13.99% 15.04% 15.34% 18.44% 19.14%
Enterprise Value to Invested Capital (EV/IC)		 1.25 1.16 0.95 1.00 1.06 1.40 1.08 0.63 0.73 0.93 0.95
Enterprise Value to Revenue (EV/Rev)		 0.97 1.45 0.39 0.44 0.49 1.89 1.52 0.91 1.09 1.34 1.41
Enterprise Value to EBITDA (EV/EBITDA)		 1.79 3.49 0.43 0.48 0.54 4.92 4.27 2.43 2.88 2.95 3.11
Enterprise Value to EBIT (EV/EBIT)		 1.90 3.92 0.44 0.49 0.55 5.39 4.69 2.63 3.09 3.11 3.25
Enterprise Value to NOPAT (EV/NOPAT)		 3.15 4.42 1.94 2.19 2.36 7.19 6.25 3.53 4.12 4.15 4.35
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 3.62 1.07 1.48 2.21 3.03 1.90 2.87 6.14 11.79
Enterprise Value to Free Cash Flow (EV/FCFF)		 4.75 0.00 5.78 6.30 9.88 71.22 33.02 29.22 21.87 19.18 13.47
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.23 0.88 0.00 0.00 0.57 0.63 0.57 0.51 0.46 0.47 0.45
Long-Term Debt to Equity		 1.23 0.88 0.00 0.00 0.57 0.63 0.57 0.51 0.46 0.47 0.45
Financial Leverage		 1.50 -22.38 5.58 4.63 0.78 0.74 1.92 1.78 0.51 0.54 0.50
Leverage Ratio		 20.35 -293.80 28.09 24.52 6.03 5.63 8.57 9.09 3.96 4.14 3.64
Compound Leverage Factor		 20.09 -302.08 28.83 25.35 6.11 5.63 8.94 9.44 4.02 4.06 3.67
Debt to Total Capital		 55.19% 46.84% 100.00% 100.00% 36.46% 38.74% 36.37% 33.79% 31.33% 31.99% 31.06%
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		 55.19% 46.84% 100.00% 100.00% 36.46% 38.74% 36.37% 33.79% 31.33% 31.99% 31.06%
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		 44.81% 53.16% 137.12% 149.86% 63.54% 61.26% 63.63% 66.21% 68.67% 68.01% 68.94%
Debt to EBITDA		 0.79 1.41 0.19 0.19 0.19 1.36 1.44 1.30 1.25 1.01 1.02
Net Debt to EBITDA		 0.10 -0.08 -0.20 -0.15 -0.12 -0.46 -0.81 -2.24 -1.75 -0.97 -0.61
Long-Term Debt to EBITDA		 0.79 1.41 0.19 0.19 0.19 1.36 1.44 1.30 1.25 1.01 1.02
Debt to NOPAT		 1.39 1.79 0.86 0.87 0.81 1.99 2.11 1.89 1.78 1.42 1.42
Net Debt to NOPAT		 0.17 -0.10 -0.91 -0.66 -0.50 -0.67 -1.19 -3.26 -2.51 -1.37 -0.85
Long-Term Debt to NOPAT		 1.39 1.79 0.86 0.87 0.81 1.99 2.11 1.89 1.78 1.42 1.42
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% -226.94% -198.47% 0.00% 0.00% -78.19% -76.32% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -21 -333 -91 -93 -112 -61 -38 -43 -36 -55 -52
Operating Cash Flow to CapEx		 0.00% 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%
Free Cash Flow to Firm to Interest Expense		 -7.70 -122.65 -33.59 -27.02 -36.50 -22.04 -14.10 -15.65 -13.24 -20.75 -22.21
Operating Cash Flow to Interest Expense		 17.64 17.98 45.78 36.89 -2.93 0.58 9.73 47.06 -13.10 -17.95 -2.45
Operating Cash Flow Less CapEx to Interest Expense		 17.68 17.98 45.78 36.89 -2.93 0.57 9.70 47.06 -13.10 -17.97 -2.51
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.17 0.13 0.68 0.61 0.76 0.25 0.26 0.23 0.27 0.28 0.30
Fixed Asset Turnover		 22.78 56.65 113.15 124.86 156.37 60.60 38.31 48.09 62.81 100.52 117.95
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 269 317 353 372 409 385 410 441 476 467 481
Invested Capital Turnover		 1.39 1.79 2.89 2.68 2.59 0.81 0.76 0.76 0.72 0.76 0.73
Increase / (Decrease) in Invested Capital		 36 351 114 111 139 67 57 70 68 82 71
Enterprise Value (EV)		 338 368 335 373 431 537 441 280 346 436 458
Market Capitalization		 319 376 492 486 522 588 525 538 555 579 547
Book Value per Share		 $2.78 $3.84 $4.27 $4.66 $5.39 $4.89 $5.41 $6.05 $6.71 $6.51 $6.82
Tangible Book Value per Share		 $1.18 $2.29 $2.85 $3.27 $4.02 $3.53 $4.06 $4.72 $5.41 $5.22 $5.54
Total Capital		 269 317 149 149 409 385 410 441 476 467 481
Total Debt		 149 149 149 149 149 149 149 149 149 149 149
Total Long-Term Debt		 149 149 149 149 149 149 149 149 149 149 149
Net Debt		 18 -8.31 -157 -113 -91 -50 -84 -258 -210 -144 -90
Capital Expenditures (CapEx)		 -0.11 0.00 0.00 0.00 0.01 0.01 0.10 0.00 0.00 0.06 0.14
Net Nonoperating Expense (NNE)		 4.64 3.38 -0.50 -0.60 -0.79 0.93 -2.44 0.57 -0.51 0.48 -0.16
Net Nonoperating Obligations (NNO)		 149 149 353 372 149 149 149 149 149 149 149
Total Depreciation and Amortization (D&A)		 2.37 4.48 2.37 2.15 2.65 2.45 1.89 1.87 1.76 1.89 1.00
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.48 $0.27 $0.50 $0.40 $0.59 $0.10 $0.44 $0.55 $0.67 $0.54 $0.40
Adjusted Weighted Average Basic Shares Outstanding		 43.30M 43.60M 47.32M 47.82M 48.07M 47.83M 48.14M 48.43M 48.66M 48.48M 48.55M
Adjusted Diluted Earnings per Share		 $0.48 $0.19 $0.48 $0.39 $0.57 $0.10 $0.43 $0.53 $0.65 $0.54 $0.39
Adjusted Weighted Average Diluted Shares Outstanding		 44.14M 44.39M 48.97M 49.40M 49.52M 49.36M 49.56M 49.64M 49.92M 49.78M 49.81M
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		 43.90M 47.80M 47.83M 48.15M 48.20M 48.25M 48.35M 48.77M 48.77M 48.66M 48.46M
Normalized Net Operating Profit after Tax (NOPAT)		 15 18 23 18 27 5.88 19 27 32 27 19
Normalized NOPAT Margin		 30.54% 38.60% 36.16% 28.29% 34.56% 7.68% 27.21% 32.25% 36.47% 32.30% 27.72%
Pre Tax Income Margin		 36.25% 47.60% 49.11% 38.15% 46.18% 11.62% 37.70% 44.84% 48.33% 43.74% 37.39%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.73 7.79 11.24 7.03 11.76 3.20 9.25 13.30 15.34 14.01 10.90
NOPAT to Interest Expense		 5.60 6.50 8.49 5.39 8.91 2.11 6.96 9.93 11.76 10.17 8.15
EBIT Less CapEx to Interest Expense		 6.77 7.79 11.24 7.03 11.76 3.19 9.21 13.30 15.34 13.99 10.84
NOPAT Less CapEx to Interest Expense		 5.64 6.50 8.49 5.39 8.91 2.11 6.92 9.93 11.76 10.14 8.09
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 31.83% 32.81% 0.00% 0.00% 0.00% 34.92%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 31.83% 32.81% 0.00% 0.00% 0.00% 34.92%

Financials Breakdown Chart

Key Financial Trends

American Coastal Insurance (NASDAQ: ACIC) showed a sharp deterioration in operating performance in Q1 2026 compared with recent quarters, even though net income remained positive. The quarter was marked by a large negative swing in operating cash flow, weaker top-line momentum, and a much smaller balance sheet than a year ago, suggesting the company is working through a tougher operating environment.

  • Q1 2026 net income was $19.3 million, which remained solidly profitable despite the weaker operating cash flow.
  • Premiums earned in Q1 2026 were $65.6 million, up from $62.6 million in Q1 2024, showing the insurance franchise still generated meaningful premium revenue.
  • The company continued to produce investment gains, with $5.6 million in net realized and unrealized capital gains in Q1 2026.
  • Balance sheet equity in Q1 2026 was $331.7 million, up from $260.9 million in Q1 2025, indicating a stronger equity base than a year earlier.
  • Long-term debt was relatively stable at about $149.4 million in Q1 2026, so leverage did not spike dramatically quarter over quarter.
  • Q1 2026 earnings per share came in at $0.40 basic and $0.39 diluted, lower than the $0.54 basic EPS reported in Q4 2025.
  • The company’s investment portfolio remained large, with $360.5 million in trading account securities at the end of Q1 2026.
  • Share repurchases continued, with $5.0 million spent on repurchasing common equity in Q1 2026.
  • Operating cash flow was negative $5.7 million in Q1 2026, a major deterioration from positive $127.9 million in Q2 2025 and positive $26.4 million in Q1 2025.
  • Net cash change was negative $53.9 million in Q1 2026, driven by weak operations and heavy capital returns.
  • The company paid $36.6 million in dividends in Q1 2026, which was the largest cash outflow in the quarter.
  • Total assets fell to $997.0 million in Q1 2026 from $1.16 billion in Q1 2025 and $1.35 billion in Q2 2025, showing a meaningful shrinkage in the balance sheet.
  • Cash and cash equivalents dropped sharply to $117.0 million in Q1 2026 from $167.2 million in Q1 2025 and well below the levels seen during 2025.
  • Claims and claim expense liabilities remained elevated at $127.0 million in Q1 2026, and operating assets/liabilities moved against cash by $26.6 million.

Looking at the last four years of quarterly data, ACIC has been profitable, but the trend is uneven. Revenue and premiums have generally grown from early 2024 into 2025, but the company has also seen volatility in claims, acquisition costs, and investment results. The biggest concern in the latest quarter is that earnings did not convert into cash, which is a warning sign for a company that depends on strong underwriting and investment discipline.

Another important takeaway is the decline in balance sheet size over the past year. Cash, total assets, and equity were all lower than recent peaks, while liabilities remained substantial. For retail investors, that means ACIC is still profitable, but its latest quarter suggests pressure on liquidity and a less efficient cash generation profile than in mid-2025.

07/24/26 08:46 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 a downward 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. See where experts think American Coastal Insurance is headed by visiting American Coastal Insurance's forecast page.

Over the last 10 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%.

American Coastal Insurance's total liabilities were at $755.17 million at the end of 2025, a 23.0% decrease from 2024, and a 50.8% increase since 2015.

In the past 10 years, American Coastal Insurance's cash and equivalents has ranged from $70.90 million in 2022 to $239.42 million in 2020, and is currently $198.76 million as of their latest financial filing in 2025.

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 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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