tradmap

ACIC Financials AMERICAN COASTAL INSURANCE Corp

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
-$470M $188M $847M $0 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-212% -47% 117% 0% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
-$301M -$29M $243M $0 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $120M $239M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$295M -$22M $251M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
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

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.

Price / earnings (P/E)
0.0 4.3 8.6 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 1.3 2.6 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 2.4 4.8 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
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.