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%
American Coastal Insurance statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Fire, Marine & Casualty Insurance companies for comparison
Valuation
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Market Cap | $540.86M | $3.25B |
| Enterprise Value | $471.44M | $2.52B |
| PE Ratio | 5.55 | 10.32 |
| PS Ratio | 1.64 | 1.08 |
| PB Ratio | 1.59 | 1.48 |
| P/TBV Ratio | 1.94 | 1.56 |
Enterprise value
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| EV / Sales | 1.43 | 0.93 |
| EV / EBITDA | 3.49 | 6.24 |
| EV / EBIT | 3.55 | 7.37 |
Income (trailing twelve months)
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Revenue | $330.59M | $4.57B |
| Operating Income | $132.97M | $617.20M |
| Pretax Income | $133.14M | $589.53M |
| Net Income | $100.20M | $470.80M |
| EBITDA | $134.97M | $657.96M |
| EPS (Diluted) | $2.01 | $4.71 |
Margins
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Operating Margin | 40.2% | 4.46% |
| Pretax Margin | 40.3% | 13.7% |
| Profit Margin | 30.3% | 10.7% |
| EBITDA Margin | 40.8% | 13.5% |
| FCF Margin | -9.39% | 17.5% |
Returns
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Return on Equity (ROE) | 31.7% | 13.9% |
| Return on Assets (ROA) | 7.74% | 3.31% |
| Return on Invested Capital (ROIC) | 65.5% | 19.7% |
Growth
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 3.29% | 8.06% |
| Net Income Growth (YoY) | 23.9% | 25.1% |
| EPS Growth (YoY) | 23.3% | 27.7% |
| FCF Growth (YoY) | -121.1% | 7.71% |
| Revenue Growth (3Y CAGR) | 14.8% | 9.53% |
| Revenue Growth (5Y CAGR) | -16.9% | 8.29% |
Balance sheet
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $218.94M | $482.49M |
| Total Debt | $149.52M | $859.00M |
| Net Cash (Debt) | $69.42M | $300.85M |
| Net Cash Per Share | $1.43 | $5.27 |
| Equity (Book Value) | $340.79M | $3.63B |
| Book Value Per Share | $7.03 | $41.34 |
| Tangible Book Value | $279.11M | $2.59B |
Financial position
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Debt / Equity | 0.44 | 0.27 |
| Debt / EBITDA | 1.11 | 2.36 |
| Net Debt / EBITDA | -0.51 | -0.40 |
| Interest Coverage | 13.21 | 4.13 |
Cash flow (trailing twelve months)
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Operating Cash Flow | -$30.61M | $631.50M |
| Capital Expenditures | -$430.00K | -$11.90M |
| Free Cash Flow | -$31.04M | $661.55M |
| FCF Per Share | -$0.64 | $8.91 |
Efficiency
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Asset Turnover | 0.26 | 0.27 |
| Revenue Per Employee | $4.86M | $1.73M |
| Profits Per Employee | $1.47M | $208.67K |
| Employee Count | 68 | 1,341 |
Dividends and yields
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Earnings Yield | 18.5% | 9.51% |
| FCF Yield | -5.74% | 12.5% |
| Dividend Yield | 6.72% | 2.02% |
| Buyback Yield | 0.00% | 2.89% |
| Shareholder Yield | 6.72% | 4.63% |
| Dividend Per Share | $0.75 | $1.75 |
| Dividend Growth (YoY) | 50.0% | 4.86% |
| Years of Dividend Growth | 1 | 3 |
Shares
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Shares Outstanding | 48,464,000 | 65,596,200 |
| Shares Change (YoY) | 0.31% | -1.19% |
| Shares Change (QoQ) | -2.22% | -0.31% |
| Float | 25,142,800 | 56,719,400 |
| Shares Held by Insiders | 48.1% | 3.34% |
| Shares Held by Institutions | 32.5% | 85.3% |
Taxes
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Income Tax | $32.95M | $105.00M |
| Effective Tax Rate | 24.7% | 19.8% |
Scores
| Measure | American Coastal Insurance | Industry median |
|---|---|---|
| Graham Number | $17.83 | $76.86 |
| Graham Upside | 59.8% | 20.9% |
| Altman Z-Score | 0.90 | 0.87 |
| Piotroski F-Score | 3 | 5 |
Calculated by StockData from American Coastal Insurance's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.