ACICNasdaqFire, Marine & Casualty InsuranceFiscal year ends December 31
AMERICAN COASTAL INSURANCE Corp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$11.16+0.06 (+0.54%)
Close on Oct 19, 2026
- Market cap
- $550.22M
- P/E (TTM)
- 5.6
- Dividend yield
- 6.72%
Margins
Share of revenue, fiscal years 2011 to 2025
Operating margin
41.8%+57.4 pts over 5 years
Net margin
31.8%+43.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +13.1% | +14.8% | -16.9% | -0.6% | |
| Operating income | +40.8% | – | – | +12.9% | |
| Net income | +41.1% | – | – | +14.6% | |
| EPS, diluted | +39.6% | – | – | +5.3% | |
| Free cash flow | -70.9% | – | – | -2.1% | |
| Dividend per share | +50.0% | – | – | +14.1% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 2.4% | -21.5% | 38.6% | |
| Return on assets | 0.7% | -3.6% | 9.3% | |
| Debt to equity | 0.22 | 0.40 | 0.47 | |
| Net debt to EBITDA | -10.35× | 1.14× | -0.34× | |
| Interest coverage | 9.5× | -13.8× | 13.0× | |
| Capex to revenue | 0.6% | 1.3% | 0.0% | |
| Diluted shares | 22M | 43M | 50M |
Where the cash went
Fiscal 2021 to 2025, five years combined
American Coastal Insurance generated $919.04M from operations and spent $45.73M on capital expenditure, dividends and share buybacks. 19% of that went back into the business.
Generated
$919.04M
Used
$45.73M
Capital expenditure$8.69M19%Dividends$37.04M81%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin31.8%
×Asset turnover0.29×
×Equity multiplier4.14×
=Return on equity, FY202538.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 31.8% | 0.29× | 4.14× | 38.6% |
| FY2024 | 25.5% | 0.26× | 5.63× | 37.4% |
| FY2023 | 117.2% | 0.14× | -293.80× | -4669.4% |
| FY2022 | -212.0% | 0.08× | 42.47× | -720.8% |
| FY2021 | -25.3% | 0.08× | 7.83× | -16.4% |
| FY2020 | -11.4% | 0.32× | 5.91× | -21.5% |
| FY2019 | -3.6% | 0.34× | 4.68× | -5.8% |
| FY2018 | 0.0% | 0.33× | 4.14× | 0.1% |
| FY2017 | 1.6% | 0.43× | 3.93× | 2.6% |
| FY2016 | 1.2% | 0.56× | 3.62× | 2.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 7 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$106.84M
- Cash generatingOperating cash flow above zero$71.03M
- Return on assets improvedROA up on the prior year7.1% → 8.8%
- Earnings backed by cashOperating cash flow above net income$71.03M vs $106.84M
- Less leverageLong-term debt to assets fell12.3% → 13.9%
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise49M → 50M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.28 → 0.28