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American Coastal Insurance Corporation (ACIC)
Financial Services · Insurance - Property & Casualty · NasdaqCM
American Coastal Insurance Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $487.12M | $654.42M | $723.94M | $825.12M | $846.66M | $228.69M | $220.78M | $263.68M | $296.44M | $335.00M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $5.70M | $10.14M | $290,000 | $-29.87M | $-96.45M | $-57.92M | $-469.86M | $309.91M | $75.72M | $106.84M |
| Net margin | 1.2% | 1.6% | 0.0% | -3.6% | -11.4% | -25.3% | -212.8% | 117.5% | 25.5% | 31.9% |
Source: American Coastal Insurance Corporation SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into ACIC stock?
At today's market cap of $510.33M, American Coastal Insurance Corporation is priced for free-cash-flow growth of about -6.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $70.87M from the FY ending 2025-12-31). For comparison, revenue -16.9%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of American Coastal Insurance Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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American Coastal Insurance Corporation financial history by metric
About American Coastal Insurance Corporation
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
American Coastal Insurance Corporation — frequently asked questions
What is American Coastal Insurance Corporation's revenue?
American Coastal Insurance Corporation (ACIC) reported revenue of $335.00M for fiscal year 2025, up 13.0% from the prior year, according to its SEC filings.
Is American Coastal Insurance Corporation profitable?
Yes. ACIC earned net income of $106.84M in fiscal 2025, a net margin of 31.9%.
What is ACIC's P/E ratio?
American Coastal Insurance Corporation trades at a price-to-earnings ratio of about 4.9 based on the latest data in our nightly-refreshed cache.
How fast is American Coastal Insurance Corporation growing?
ACIC's revenue grew at roughly -16.9% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does American Coastal Insurance Corporation have?
As of fiscal year 2025, ACIC carried roughly $149.35M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is American Coastal Insurance Corporation's market cap?
American Coastal Insurance Corporation (ACIC) has a market capitalization of about $510.33M, based on the latest data in our nightly-refreshed cache.
When does American Coastal Insurance Corporation's fiscal year end?
ACIC's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into ACIC stock?
At today's market cap of $510.33M, American Coastal Insurance Corporation is priced for free-cash-flow growth of about -6.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $70.87M from the FY ending 2025-12-31). For comparison, revenue -16.9%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from American Coastal Insurance Corporation's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.