15 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has declined 16.9% per year over the past 5 years.
Operating margin has expanded, at 41.8% in the latest year.
Financial health
The company holds more cash ($199M) than total debt ($150M).
Total debt has grown faster than revenue (-1.3% vs -16.9% per year).
Operating income covered interest expense 13× in the latest year, up from -13.8× 5 years ago.
Total debt is 1.0× EBITDA.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
2025
$335M
$107M
0.0%
41.8%
$71M
$150M
$199M
2024
$297M
$76M
0.0%
33.6%
$243M
$150M
$137M
2023
$264M
$310M
0.0%
35.5%
-$136M
$150M
$139M
2022
$222M
-$470M
0.0%
-3.9%
-$176M
$150M
$71M
2021
$229M
-$58M
0.0%
-4.6%
-$301M
$159M
$212M
2020
$847M
-$96M
0.0%
-15.6%
-$21M
$160M
$239M
2019
$825M
-$30M
0.0%
-4.0%
$127M
$162M
$215M
2018
$724M
$290000
0.0%
-0.6%
$22M
$163M
$113M
2017
$654M
$10M
0.0%
0.1%
$30M
$165M
$230M
2016
$487M
$6M
0.0%
1.4%
$63M
$54M
$151M
2015
$358M
$27M
0.0%
11.6%
$87M
$12M
$85M
2014
$280M
$41M
0.0%
23.0%
$63M
$14M
$61M
2013
$208M
$20M
0.0%
16.6%
$108M
$15M
$35M
2012
$131M
$10M
0.0%
11.6%
$35M
$16M
$71M
2011
$96M
$8M
0.0%
13.7%
$39M
—
$42M
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
$71M
$19M
0.0%
35.9%
-$6M
—
$117M
Dec '25
$86M
$27M
0.0%
43.2%
-$48M
$150M
$199M
Sep '25
$90M
$32M
0.0%
46.1%
-$36M
—
$268M
Jun '25
$86M
$26M
0.0%
41.8%
$128M
—
$315M
Mar '25
$72M
$21M
0.0%
34.8%
$26M
—
$167M
Dec '24
$79M
$5M
0.0%
11.2%
$2M
$150M
$137M
Sep '24
$82M
$28M
0.0%
43.9%
-$9M
—
$183M
Jun '24
$69M
$19M
0.0%
35.1%
$126M
—
$229M
Mar '24
$67M
$24M
0.0%
45.9%
$124M
—
$285M
Dec '23
$51M
$14M
0.0%
37.3%
$49M
$150M
$139M
Sep '23
$53M
$11M
0.0%
34.8%
$48M
—
$111M
Jun '23
$74M
$18M
0.0%
29.4%
-$129M
—
$28M
Mar '23
$90M
$267M
0.0%
36.8%
-$104M
—
$93M
Dec '22
$113M
-$297M
0.0%
-269.0%
-$75M
$150M
$71M
Sep '22
$124M
-$71M
0.0%
-57.2%
-$107M
—
$181M
Jun '22
$116M
-$69M
0.0%
-28.7%
$28M
—
$284M
Mar '22
$58M
-$33M
0.0%
-4.0%
-$22M
—
$258M
Dec '21
$155M
-$2M
0.0%
-4.1%
-$187M
$159M
$212M
Sep '21
$163M
-$14M
0.0%
-11.5%
-$83M
—
$188M
Jun '21
$155M
-$24M
0.0%
-21.1%
$37M
—
$276M
Valuation over time
How the market has priced ACIC against its own fundamentals since 2023-08 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 1.8× (Jan '24) to 4.9× (Jun '26).
The price-to-sales ratio has fallen from 1.6× (Aug '23) to 1.6× (Jun '26).
The dividend yield has risen from 0.7% (Aug '23) to 4.2% (Nov '25).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is ACIC growing its revenue and profit?
Over the past 5 years, AMERICAN COASTAL INSURANCE Corp's revenue has declined 16.9% per year. These are computed facts, not advice.
How much debt does ACIC have?
As of FY2025, AMERICAN COASTAL INSURANCE Corp reported $150M of total debt against $199M of cash; operating income covered interest expense 13×.
What is ACIC's profit margin?
In FY2025, gross margin was —, operating margin 41.8%, and net margin 31.8%.
What is ACIC's P/E ratio?
As of Jun '26, AMERICAN COASTAL INSURANCE Corp traded at a price-to-earnings ratio of about 4.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.