AMERICAN COASTAL INSURANCE Corp (ACIC) Financial Statements
Industry: Fire, Marine & Casualty Insurance
In fiscal 2025, AMERICAN COASTAL INSURANCE reported revenue of $335.4M, up 13.1% from $296.7M the year before. Net income was $106.8M (a 31.8% net margin), or $2.15 per diluted share. Gross margin was 41.8% and operating margin was 41.8%. Operating activities generated $71.0M of cash, leaving $70.9M of free cash flow. At fiscal year end, AMERICAN COASTAL INSURANCE held $1.07B in total assets against $755.2M in total liabilities, including $198.8M of cash and equivalents.
Open the full interactive AMERICAN COASTAL INSURANCE financials → Quarterly statements, key ratios, valuation history and price charts.
AMERICAN COASTAL INSURANCE Key Stats
| Share Price | $10.63 |
|---|---|
| Market Cap | $524.1M |
| P/E Ratio | 4.9 |
| Revenue YoY Growth | +13.1% |
| 52-Week Range | $9.04 – $12.26 |
| Shares Outstanding | 48.1 million (basic, 2026 Q2) |
AMERICAN COASTAL INSURANCE Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $846.7M | $634.5M | $455.4M | $286.5M | $296.7M | $335.4M |
| Cost of Goods Sold | $978.8M | $718.6M | $910.3M | $196.8M | $197.1M | $195.2M |
| Gross Profit | -$132.2M | -$84.0M | -$454.9M | $89.7M | $99.6M | $140.3M |
| Operating Income | -$132.2M | -$84.0M | -$454.9M | $89.7M | $99.6M | $140.3M |
| Pre-Tax Income | -$132.1M | -$83.9M | -$444.5M | $92.0M | $101.7M | $142.7M |
| Income Tax | -$36.6M | -$24.0M | $25.5M | $9.8M | $25.3M | $35.9M |
| Net Income | -$96.5M | -$57.9M | -$469.9M | $309.9M | $75.7M | $106.8M |
| Diluted EPS | -$2.25 | -$1.35 | -$10.91 | $6.98 | $1.54 | $2.15 |
AMERICAN COASTAL INSURANCE Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $90.4M | $86.4M | $71.2M | $82.6M |
| Net Income | $32.5M | $26.6M | $19.3M | $21.9M |
| Diluted EPS | $0.65 | $0.53 | $0.39 | $0.44 |
AMERICAN COASTAL INSURANCE Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $239.4M | $212.0M | $229.9M | — | — | $198.8M |
| Total Assets | $2.85B | $2.70B | $2.84B | $1.06B | $1.22B | $1.07B |
| Total Long-Term Debt | $160.4M | $158.6M | $154.1M | $150.0M | $150.0M | $150.0M |
| Total Liabilities | $2.43B | $2.37B | $3.02B | $891.6M | $980.5M | $755.2M |
| Shareholders' Equity | $395.8M | $312.4M | -$182.0M | $168.8M | $235.7M | $317.6M |
AMERICAN COASTAL INSURANCE Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$10.5M | -$295.4M | -$173.1M | -$136.0M | $243.5M | $71.0M |
| Cash From Investing | $36.6M | $251.4M | $236.8M | -$2.5M | -$179.2M | $620,000 |
| Cash From Financing | -$11.7M | -$12.2M | -$25.4M | $26.8M | -$13.8M | -$1.1M |
| Free Cash Flow | -$21.3M | -$300.7M | -$176.2M | -$136.2M | $243.5M | $70.9M |
| Dividends Paid | $10.3M | $10.3M | $2.6M | — | $24.1M | $0 |
Figures from AMERICAN COASTAL INSURANCE's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full AMERICAN COASTAL INSURANCE financials page for every line item.
AMERICAN COASTAL INSURANCE Company Profile
| Ticker | ACIC |
|---|---|
| Exchange | Nasdaq |
| Industry | Fire, Marine & Casualty Insurance |
| Headquarters | Saint Petersburg, Florida |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001401521 |
Frequently Asked Questions
What was AMERICAN COASTAL INSURANCE's revenue in fiscal 2025?
AMERICAN COASTAL INSURANCE (ACIC) reported revenue of $335.4M for fiscal 2025.
What is AMERICAN COASTAL INSURANCE's annual revenue history?
AMERICAN COASTAL INSURANCE's annual revenue by fiscal year: 2020: $846.7M; 2021: $634.5M; 2022: $455.4M; 2023: $286.5M; 2024: $296.7M; 2025: $335.4M.
What was AMERICAN COASTAL INSURANCE's net income in fiscal 2025?
AMERICAN COASTAL INSURANCE reported net income of $106.8M for fiscal 2025.
What was AMERICAN COASTAL INSURANCE's earnings per share (EPS) in fiscal 2025?
AMERICAN COASTAL INSURANCE's diluted EPS was $2.15 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did AMERICAN COASTAL INSURANCE generate in fiscal 2025?
AMERICAN COASTAL INSURANCE generated $70.9M of free cash flow in fiscal 2025.
What was AMERICAN COASTAL INSURANCE's revenue last quarter?
In its most recent reported quarter (2026 Q2), AMERICAN COASTAL INSURANCE reported revenue of $82.6M.
How much debt does AMERICAN COASTAL INSURANCE have?
AMERICAN COASTAL INSURANCE reported $150.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of AMERICAN COASTAL INSURANCE are outstanding?
AMERICAN COASTAL INSURANCE reported a weighted average of 48.1 million basic shares outstanding in 2026 Q2.
What is AMERICAN COASTAL INSURANCE's market cap?
Based on its latest closing price, AMERICAN COASTAL INSURANCE (ACIC) has a market capitalization of about $524.1M.
When does AMERICAN COASTAL INSURANCE's fiscal year end?
AMERICAN COASTAL INSURANCE's fiscal year end, as registered with the SEC, is December 31.
Where is AMERICAN COASTAL INSURANCE headquartered?
AMERICAN COASTAL INSURANCE lists its business address in Saint Petersburg, Florida in its SEC filings.