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MARKETS / NASDAQ / ACIC
NASDAQ · FIRE, MARINE & CASUALTY INSURANCE · MID CAP

American Coastal Insurance Corp. ACIC

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$335.4M
▲ 13.1% YoY
$106.8M
▲ 41.1% YoY
$70.9M
▼ 70.9% YoY
In brief

What this company does

American Coastal Insurance Corporation provides commercial multi-peril property insurance for residential condominium associations, apartments and assisted living facilities in Florida. On equipment breakdown, identity theft and flood policies, it earns a commission while retaining no risk of loss, since that risk is ceded to other private companies. As of December 31, 2025, it had 68 employees, of which 11 worked in its Claims Department and 10 worked in its Sales and Underwriting Department. It conducts its operations under one reportable operating segment. Its condominium policies are marketed and distributed by AmRisc, an unaffiliated third party that represents 100% of its condominium revenue under an exclusive agreement in Florida, while its apartment and assisted living facility policies are marketed and distributed by Skyway Underwriters through multiple wholesaler partners that represented 100% of that revenue. American Coastal Insurance Corporation was incorporated in Delaware in 2007. On July 10, 2023, it changed its corporate name from United Insurance Holdings Corp. to American Coastal Insurance Corporation.

Written from the business description in AMERICAN COASTAL INSURANCE Corp's annual report to the U.S. Securities and Exchange Commission, filed 9 March 2026. Every sentence was checked against that document before publication.

Growth
USD 335.4M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 335.4 · Net income 106.8
400M800M-200M-400M200920112013201520172019202120232025
Compound annual growth
+14.8%
−16.9%
−0.6%
+10.0%
+14.6%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at −16.9% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
32 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 41.8% · Net 31.8%
50%100%-100%-200%200920112013201520172019202120232025
ROE
FY2025 · ROE 38.6%
-200%-400%-600%200920112013201520172019202120232025

Each USD of equity produced 39 cents of profit this year.

Cash & shareholders
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 70.9
100M200M-200M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends 0.0 · Net buybacks —
10M20M-8M-16M200920112013201520172019202120232025

Total assetsUSD 1.1B
EquityUSD 317.6M
CashUSD 198.8M
Gross debtUSD 150.0M
Net debtUSD -48.8M

The company holds more cash than debt.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.30.30.30.20.20.80.80.70.70.50.40.30.20.10.10.10.1
Operating income $B0.10.10.1−0.0−0.0−0.1−0.0−0.00.00.00.00.10.00.00.0−0.00.0
EBITDA $B0.10.10.1−0.0−0.0−0.1−0.0−0.00.00.00.00.10.00.0···
Income tax $B0.00.00.00.0−0.0−0.0−0.0−0.0−0.00.00.00.00.00.00.0−0.00.0
Net income $B0.10.10.3−0.5−0.1−0.1−0.00.00.00.00.00.00.00.00.0−0.00.0
Free cash flow $B0.10.2−0.1−0.2−0.3−0.00.10.00.00.10.10.10.10.00.0−0.00.0
EPS, diluted $2.151.546.98−10.91−1.35−2.25−0.700.010.270.261.282.051.260.910.77−0.090.38
Dividend / sh $0.750.50······0.240.230.200.160.120.080.050.050.15
Payout %0320−1−18−11−343541898716810106−57·
ROE %38.637.4·−720.8−16.4−21.5−5.80.12.62.412.426.320.813.616.1−2.0·
Shares out B0.050.050.050.040.040.040.040.040.040.020.020.020.020.020.010.01·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 7 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityFire, Marine & Casualty Insurance
Listed onNASDAQ
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2009

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