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American Coastal Insurance Corp (ACIC) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · DATA UPDATED 2026-11-02

American Coastal Insurance Corp (ACIC) operates in the INSURANCE - PROPERTY & CASUALTY industry and is headquartered in Saint Petersburg, United States with about 68 employees. Its market capitalization is roughly $516 million. In the fiscal year ended 2025-12-31, ACIC reported $335M in revenue and $107M in net income.

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.

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ACIC Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$330M	$335M	$297M	$264M	$221M	$229M	$847M	$825M	$724M	$654M	$487M	$358M	$280M	$208M	$131M	$96M	$80M	$88M	$101M	$0M	$82M
Gross Profit	$231M	$289M	$156M	$142M	$44M	$46M	$2M	$87M	$112M	$113M	$71M	$87M	$96M	$59M	$36M	$29M	$13M	$24M	$83M	$0M	—
Gross Margin %	70.0%	86.3%	52.7%	53.7%	19.8%	20.3%	0.3%	10.6%	15.5%	17.3%	14.6%	24.3%	34.4%	28.2%	27.4%	29.6%	15.7%	27.4%	82.6%	100.0%	—
Operating Income (EBIT)	$133M	$143M	$112M	$96M	$2M	($10M)	($132M)	($33M)	($4M)	$1M	$7M	$42M	$64M	$34M	$16M	$13M	($1M)	$6M	$42M	$0M	$18M
Operating Margin %	40.3%	42.5%	37.6%	36.4%	0.8%	-4.6%	-15.6%	-4.0%	-0.6%	0.1%	1.4%	11.7%	23.0%	16.6%	12.0%	13.5%	-1.8%	7.1%	41.2%	57.4%	22.1%
Net Income	$100M	$107M	$76M	$310M	($470M)	($58M)	($96M)	($30M)	$0M	$10M	$6M	$27M	$41M	$20M	$10M	$8M	($1M)	$4M	$33M	$0M	$17M
Net Margin %	30.3%	31.9%	25.5%	117.5%	-212.8%	-25.3%	-11.4%	-3.6%	0.0%	1.6%	1.2%	7.6%	14.6%	9.8%	7.4%	8.4%	-1.2%	4.6%	33.1%	30.7%	20.9%
EBITDA	$153M	$174M	$123M	$118M	$34M	$11M	($111M)	($11M)	$24M	$42M	$19M	$46M	$66M	$36M	$17M	$14M	$1M	$11M	$45M	$0M	$18M
Earnings Per Share (EPS)	$2.01	$2.15	$1.53	$6.98	$-10.91	$-1.35	$-2.25	$-0.70	$0.01	$0.27	$0.26	$1.28	$2.05	$1.26	$0.91	$0.77	$-0.09	$0.38	$3.08	$0.01	$1.33
Shares Outstanding (M)	49M	50M	49M	44M	43M	43M	43M	43M	43M	37M	22M	21M	20M	16M	11M	10M	11M	11M	11M	12M	13M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ACIC Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-09-30	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	—	$82M	$71M	$86M	$90M	$86M	$72M	$79M	$82M
Gross Profit	—	$40M	$61M	$76M	$54M	$46M	$37M	$23M	$49M
Gross Margin %	—	48.1%	85.6%	88.5%	60.2%	53.5%	51.1%	28.8%	60.2%
Operating Income (EBIT)	—	$28M	$26M	$37M	$42M	$38M	$26M	$9M	$37M
Operating Margin %	—	34.4%	36.2%	42.4%	46.9%	43.5%	36.3%	11.2%	44.5%
Net Income	—	$22M	$19M	$27M	$32M	$26M	$21M	$5M	$28M
Net Margin %	—	26.5%	27.0%	30.8%	36.0%	30.6%	29.6%	6.3%	34.2%
EBITDA	—	$31M	$29M	$46M	$47M	$42M	$31M	$14M	$42M
Earnings Per Share (EPS)	$0.40	$0.44	$0.39	$0.53	$0.65	$0.53	$0.43	$0.10	$0.57
Shares Outstanding (M)	—	49M	50M	50M	50M	50M	50M	49M	50M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ACIC Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	($31M)	$71M	$244M	($136M)	($173M)	($295M)	($10M)	$149M	$10M	$14M	$66M	$98M	$69M	$108M	$34M	$39M	($8M)	$6M	$39M	$0M	$14M
Capital Expenditures (CapEx)	$21M	$0M	$0M	$0M	$3M	$5M	$11M	$22M	$4M	$5M	$3M	$11M	$6M	$2M	$0M	$0M	$0M	$0M	$0M	$0M	$0M
Free Cash Flow (FCF)	($51M)	$71M	$243M	($136M)	($176M)	($301M)	($21M)	$127M	$6M	$9M	$63M	$87M	$63M	$106M	$34M	$39M	($8M)	$6M	$39M	$0M	$14M
FCF Margin %	-15.5%	21.1%	82.1%	-51.6%	-79.8%	-131.5%	-2.5%	15.4%	0.8%	1.4%	12.8%	24.4%	22.3%	50.9%	25.8%	40.1%	-10.4%	6.9%	38.2%	45.3%	17.5%
Dividends Paid	—	$0M	$24M	$0M	$3M	$10M	$10M	$10M	$10M	$9M	$5M	$4M	$3M	$2M	$1M	$1M	$1M	$2M	$18M	$18M	—

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ACIC Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$58M	($6M)	($48M)	($36M)	$128M	$26M	$2M	($9M)
Capital Expenditures (CapEx)	$0M	$0M	$0M	$20M	$0M	$0M	$0M	$0M
Free Cash Flow (FCF)	$58M	($6M)	($48M)	($56M)	$128M	$26M	$2M	($9M)
FCF Margin %	70.6%	-8.2%	-55.4%	-61.9%	148.2%	36.5%	2.0%	-10.9%
Dividends Paid	$0M	$37M	—	—	$0M	$0M	$24M	—

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ACIC Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$1.2B	$1.1B	$1.2B	$1.1B	$2.8B	$2.7B	$2.8B	$2.5B	$2.3B	$2.1B	$994M	$740M	$584M	$441M	$314M	$240M	$214M	$248M	$233M	$38M	$277M
Cash & Cash Equivalents	$219M	$199M	$137M	$139M	$230M	$212M	$239M	$215M	$113M	$139M	$151M	$85M	$61M	$35M	$71M	$42M	$72M	$27M	$32M	$0M	$46M
Total Liabilities	$903M	$755M	$980M	$892M	$3.0B	$2.4B	$2.4B	$1.9B	$1.8B	$1.5B	$753M	$501M	$380M	$334M	$226M	$185M	$168M	$200M	$190M	$0M	$253M
Total Debt (Short + Long-Term)	$150M	$150M	$149M	$149M	$155M	$159M	$160M	$170M	$162M	$163M	$64M	$14M	$27M	$29M	$32M	$17M	$18M	$41M	$41M	$35M	$0M
Total Shareholders' Equity	$341M	$318M	$236M	$169M	($180M)	$332M	$396M	$524M	$540M	$537M	$241M	$239M	$204M	$108M	$88M	$55M	$45M	$48M	$43M	$25M	$24M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive ACIC viewer.

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