# American Coastal Insurance Corp. (ACIC)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $519M  
**Price:** $10.44 (-0.05%)

> American Coastal Insurance Corp. is a publicly traded insurance holding company that underwrites commercial residential property and casualty coverage in the United States. Through its insurance subsidiary, the company offers policies for homeowners, landlords, seasonal properties, condominiums, flood, renters, and commercial residential risks. Its core business is centered on providing protection for property owners and related real estate exposures, making it an active participant in the specialty property insurance market. American Coastal Insurance Corp. serves policyholders through a focused product portfolio designed for residential and commercial property-related needs, with operations based in St. Petersburg, Florida.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $335M | — | $140M | $107M | — |
| 2024 | $297M | — | $100M | $76M | — |
| 2023 | $264M | — | $94M | $310M | — |
| 2022 | $222M | — | -$9M | -$470M | — |
| 2021 | $229M | — | -$11M | -$58M | — |
| 2020 | $847M | — | -$132M | -$96M | — |
| 2019 | $825M | — | -$33M | -$30M | — |
| 2018 | $724M | — | -$4M | $290,000 | — |
| 2017 | $654M | — | $757,000 | $10M | — |
| 2016 | $487M | — | $7M | $6M | — |
| 2015 | $358M | — | $42M | $27M | — |
| 2014 | $280M | — | $64M | $41M | — |
| 2013 | $208M | — | $34M | $20M | — |
| 2012 | $131M | — | $15M | $10M | — |
| 2011 | $96M | — | $13M | $8M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.07B | $755M | $318M | $199M | $150M |
| 2024 | $1.22B | $980M | $236M | $137M | $150M |
| 2023 | $1.06B | $894M | $169M | $139M | $150M |
| 2022 | $2.84B | $3.02B | -$182M | $71M | $150M |
| 2021 | $2.70B | $2.37B | $312M | $212M | $159M |
| 2020 | $2.85B | $2.43B | $396M | $239M | $160M |
| 2019 | $2.47B | $1.94B | $503M | $215M | $162M |
| 2018 | $2.32B | $1.78B | $520M | $113M | $163M |
| 2017 | $2.06B | $1.52B | $537M | $230M | $165M |
| 2016 | $1000M | $758M | $241M | $151M | $54M |
| 2015 | $740M | $501M | $239M | $85M | $12M |
| 2014 | $584M | $380M | $204M | $61M | $14M |
| 2013 | $441M | $334M | $108M | $35M | $15M |
| 2012 | $314M | $226M | $88M | $71M | $16M |
| 2011 | $240M | $185M | $55M | $42M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $71M | $155,000 | $71M |
| 2024 | $244M | $22,000 | $243M |
| 2023 | -$136M | $196,000 | -$136M |
| 2022 | -$173M | $3M | -$176M |
| 2021 | -$295M | $5M | -$301M |
| 2020 | -$10M | $11M | -$21M |
| 2019 | $149M | $22M | $127M |
| 2018 | $26M | $4M | $22M |
| 2017 | $36M | $5M | $30M |
| 2016 | $66M | $3M | $63M |
| 2015 | $98M | $11M | $87M |
| 2014 | $69M | $6M | $63M |
| 2013 | $110M | $2M | $108M |
| 2012 | $36M | $452,000 | $35M |
| 2011 | $39M | $20,000 | $39M |

Source: [CompaniesByCap](https://companiesbycap.com/company/ACIC)