AMERICAN COASTAL INSURANCE Corp

ACIC

AMERICAN COASTAL INSURANCE Corp

ACIC

Insider Sentiment (TTM):

Last Purchase:2026-03-20Last Sale:2025-11-10Shares Purchased (TTM):5,200Shares Sold (TTM):18,409

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:15,507,911Shares Outstanding:48,546,290Institutional Ownership Pct.:31.94%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Segment Continuing Operations	-	-	-	-	-	-	322	-	-	-	138	-
Investments
Available For Sale Securities Debt Securities	238	254	253	246	249	283	281	278	264	178	-	154
Equity Securities Fv Ni Current And Noncurrent	57	65	62	53	41	29	37	26	15	6	-	0
Other Long Term Investments	-2	42	40	8	6	23	23	-5	17	14	14	-1
Investments	333	360	355	336	319	336	341	331	311	199	-	156
Cash And Cash Equivalents At Carrying Value	317	239	293	359	407	254	199	240	229	306	172	111
Restricted Cash	98	122	94	91	92	66	62	57	32	20	18	19
Accrued Investment Income Receivable	3	3	3	3	3	3	3	3	5	3	-	2
Property Plant And Equipment Net	1	1	1	3	4	5	6	7	9	10	4	4
Premiums Receivable At Carrying Value	120	77	70	30	54	62	47	19	53	54	-	22
Reinsurance Recoverables On Paid And Unpaid Losses	117	112	128	144	170	202	263	147	206	257	-	448
Prepaid Reinsurance Premiums	225	91	110	184	257	121	161	199	261	138	-	241
Goodwill	59	59	59	59	59	59	59	59	59	59	-	59
Deferred Policy Acquisition Costs	55	40	38	44	58	46	40	43	51	27	21	29
Intangible Assets Net Excluding Goodwill	2	3	3	4	5	5	6	7	7	9	9	10
Other Assets	11	12	12	11	11	12	17	13	13	16	-	36
Assets Of Disposal Group Including Discontinued Op…	-	-	0	0	0	74	73	75	74	0	77	11
Assets	1,244	997	1,073	1,179	1,347	1,160	1,216	1,144	1,311	1,077	1,062	1,150
Liabilities And Stockhold…
Liabilities
Liability For Claims And Claims Adjustment Expense	119	127	166	189	219	256	322	173	211	258	348	422
Unearned Premiums	335	258	250	293	384	321	285	307	374	322	293	325
Reinsurance Payable	204	42	67	143	227	54	83	123	227	38	-	4
Accounts Payable Current And Noncurrent	80	80	113	65	65	66	86	76	76	82	-	85
Operating Lease Liability	3	3	3	3	3	3	3	0	0	0	1	1
Long Term Notes Payable	150	149	149	149	149	149	149	149	149	149	-	149
Other Liabilities	12	5	8	9	7	1	1	3	1	1	-	9
Liabilities Of Disposal Group Including Discontinu…	-	-	0	0	0	48	50	49	50	0	44	2
Liabilities	903	665	755	852	1,055	899	980	884	1,088	873	894	1,029
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	443	441	440	441	440	438	437	437	436	436	424	397
Treasury Stock Value	-20	-5	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Accumulated Other Comprehensive Income Loss Net Of…	-9	-8	-7	-8	-10	-13	-16	-12	-19	-17	-17	-24
Retained Earnings Accumulated Deficit	-73	-95	-115	-104	-137	-163	-185	-166	-194	-214	-237	-252
Stockholders Equity	341	332	318	327	292	261	236	260	223	204	169	121
Liabilities And Stockholders Equity	1,244	997	1,073	1,179	1,347	1,160	1,216	1,144	1,311	1,077	1,062	1,150
Fixed Maturities	-	0	262	246	-295	295	296	8	83	199	156	-4
Equity Securities	-	60	57	-35	11	24	32	11	9	6	-	0
Premiums Receivable Allowance For Doubtful Account…	-	0	0	0	0	0	0	0	0	0	0	0
Reinsurance Recoverables Allowance	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Par Or Stated Value Per Share	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0	0	0	0	0	0	0	0	0	0	0	0
Other Investments And Securities At Cost	-	-	-	-	-	-	23	-	-	-	16	-
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Common Stock Shares Issued	49	49	49	49	49	49	48	48	48	48	47	44
Shares Outstanding	47	48	49	49	49	48	48	48	48	48	47	43
Treasury Stock Common Shares	2	1	0	0	0	0	0	0	0	0	0	0
Financing Receivable Allowance For Credit Losses	-	-	-	-	-	0	0	0	0	0	0	0

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.76%	5.89%	-2.37%	-	-	-	-	-	-	-	-	-
2025	-9.40%	-10.32%	-10.82%	3.17%	8.12%	11.02%	-1.97%	2.87%	-3.54%	-4.61%	2.78%	-9.13%
2024	-3.12%	-13.38%	-0.74%	-0.35%	0.98%	7.45%	4.83%	-5.32%	-6.01%	-9.08%	-1.68%	-9.17%
2023	-	-	-	0.92%	-1.32%	-3.29%	-8.14%	4.65%	20.61%	4.09%	-4.09%	9.56%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	13.21	13.47	12.97	10.23	9.41	7.85	8.30	4.89	4.17	4.19	4.32	4.27
Per Share Metrics
Diluted EPS TTM	2.03	2.10	2.15	1.71	1.63	1.48	1.53	2.44	2.09	1.35	6.98	-2.34
Free Cash Flow Per Share TTM	-0.65	0.80	1.46	2.47	3.03	3.02	5.09	6.04	7.26	1.95	-3.14	-6.15
Dividend Per Share TTM	0.76	0.75	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.12
Margin Metrics
Gross Profit Margin TTM	96.95%	96.88%	96.78%	97.63%	97.51%	97.25%	95.96%	94.07%	93.18%	89.88%	95.89%	98.45%
Operating Profit Margin TTM	40.22%	42.07%	41.82%	24.25%	23.44%	21.62%	33.57%	28.99%	37.50%	84.81%	35.50%	22.99%
Net Profit Margin TTM	30.31%	31.32%	31.85%	18.46%	17.84%	16.87%	25.52%	31.38%	41.28%	61.62%	117.21%	-36.36%
Growth Metrics
Net Revenue Growth (1Y)	-27.07%	-23.19%	13.07%	20.08%	81.54%	305.14%	12.20%	35.51%	-38.94%	-74.32%	-2.00%	170.24%
Net Income Growth (1Y)	23.92%	42.57%	41.10%	-29.35%	-21.55%	10.93%	-75.57%	-216.95%	-155.84%	-128.08%	-165.96%	-7.10%
EPS Growth (1Y)	24.80%	41.36%	39.22%	-30.21%	-22.54%	9.06%	-77.73%	-205.36%	-150.47%	-125.59%	-165.14%	-7.58%
Valuation Metrics
P/E TTM	5.33	5.21	5.39	6.12	6.27	7.13	7.70	4.07	4.43	6.92	1.21	-2.80
P/B TTM	1.57	1.65	1.81	1.59	1.73	2.01	2.47	1.89	2.05	2.25	2.21	2.39
P/S TTM	1.61	1.63	1.72	1.13	1.12	1.20	1.97	1.28	1.83	4.26	1.41	1.02
Market Cap	533.85M	546.15M	575.90M	521.37M	506.61M	523.85M	583.08M	490.61M	456.93M	458.17M	373.52M	288.64M
Enterprise Value	366.14M	456.63M	432.40M	311.51M	248.58M	418.71M	532.71M	399.15M	376.35M	301.23M	201.69M	326.18M
Calculated Values
Free Cash Flow TTM	-31.04M	38.65M	70.87M	120.27M	146.90M	145.35M	243.49M	290.39M	347.24M	92.06M	-136.75M	-266.39M
Net Debt	-167.70M	-89.51M	-143.50M	-209.87M	-258.03M	-105.14M	-50.37M	-91.46M	-80.58M	-156.94M	-171.83M	37.54M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-20Purchase

Owner: Davis, Kern Michael

Title: -

Shares: 200

Price/Share: $11.05

Value: $2,210.00

Shares Owned: 4,626

Relationship: Director

Ownership: Indirect

2026-03-19Purchase

Owner: Davis, Kern Michael

Title: -

Shares: 400

Price/Share: $11.12

Value: $4,448.00

Shares Owned: 4,526

Relationship: Director

Ownership: Indirect

2026-03-04Purchase

Owner: Davis, Kern Michael

Title: -

Shares: 1,400

Price/Share: $11.71

Value: $16,394.00

Shares Owned: 4,126

Relationship: Director

Ownership: Indirect

2026-02-23Purchase

Owner: Crawford, Troy J

Title: Chief Underwriting Officer

Shares: 3,200

Price/Share: $11.09

Value: $35,488.00

Shares Owned: 12,585

Relationship: Officer

Ownership: Direct

2025-11-10Sale

Owner: Griffith, Christopher

Title: Chief Operating Officer

Shares: 18,409

Price/Share: $11.86

Value: $218,330.74

Shares Owned: 103,022

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-20	Davis, Kern Michael	Director	-	Indirect	Purchase	200	11.05	$2,210.00	4,626	4
2026-03-19	Davis, Kern Michael	Director	-	Indirect	Purchase	400	11.12	$4,448.00	4,526	4
2026-03-04	Davis, Kern Michael	Director	-	Indirect	Purchase	1,400	11.71	$16,394.00	4,126	4
2026-02-23	Crawford, Troy J	Officer	Chief Underwriting Officer	Direct	Purchase	3,200	11.09	$35,488.00	12,585	4
2025-11-10	Griffith, Christopher	Officer	Chief Operating Officer	Direct	Sale	18,409	11.86	$218,330.74	103,022	4
2025-06-26	Davis, Kern Michael	Director	-	Direct	Purchase	1,000	10.46	$10,460.00	299,564	4
2025-06-05	Griffith, Christopher	Officer	Chief Operating Officer	Direct	Sale	177,084	10.99	$1,946,153.16	121,431	4
2025-06-03	Griffith, Christopher	Officer	Chief Operating Officer	Direct	Sale	10,000	11.78	$117,800.00	188,210	4
2025-05-15	Hudson, Sherrill W	Director	-	Direct	Purchase	10,000	11.00	$110,000.00	198,403	4
2025-03-14	Martz, Brad	Officer	President	Direct	Sale	50,000	12.05	$602,500.00	278,891	4
2025-03-10	Griffith, Christopher	Officer	Chief Operating Officer	Direct	Sale	19,836	11.82	$234,461.52	124,656	4
2025-03-03	Griffith, Christopher	Officer	Chief Operating Officer	Direct	Sale	40,305	11.94	$481,241.70	134,656	4
2024-12-16	Maroney, Patrick	Director	-	Direct	Purchase	3,128	13.96	$43,666.88	93,500	4
2024-09-23	Hogan, Michael	Director	-	Direct	Purchase	8,000	11.37	$90,960.00	356,754	4
2024-08-19	Martz, Brad	Officer	President	Direct	Sale	5,250	11.15	$58,537.50	278,891	4
2024-08-16	Martz, Brad	Officer	President	Direct	Sale	25,000	11.62	$290,500.00	284,141	4
2024-08-12	Griffith, Christopher	Officer	Chief Operating Officer	Direct	Sale	35,000	10.94	$382,900.00	134,656	4
2024-06-25	Griffith, Christopher	Officer	Chief Operating Officer	Direct	Sale	35,000	10.49	$367,150.00	134,656	4
2024-03-22	Davis, Kern Michael	Director	-	Indirect	Purchase	1,572	10.12	$15,908.64	3,326	4
2023-12-19	Maroney, Patrick	Director	-	Direct	Purchase	5,000	8.50	$42,500.00	85,000	4
2023-12-14	Davis, Kern Michael	Director	-	Indirect	Purchase	2,000	9.11	$18,220.00	2,540	4
2023-09-20	Davis, Kern Michael	Director	-	Direct	Purchase	2,000	7.62	$15,240.00	291,644	4
2023-08-25	Maroney, Patrick	Director	-	Direct	Purchase	5,250	7.31	$38,377.50	80,000	4
2023-08-25	Hood, Iii William H.	Director	-	Indirect	Purchase	13,389	7.44	$99,614.16	369,663	4
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Institutional Ownership

No data available for chart

2026-03-31

31.94%

Inst. Shares: 15,507,911

Shares Outstanding: 48,546,290

2025-12-31

29.09%

Inst. Shares: 14,099,576

Shares Outstanding: 48,476,824

2025-09-30

28.60%

Inst. Shares: 13,917,340

Shares Outstanding: 48,664,597

2025-06-30

27.44%

Inst. Shares: 13,290,535

Shares Outstanding: 48,434,446

2025-03-31

23.19%

Inst. Shares: 11,164,286

Shares Outstanding: 48,135,231

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	15,507,911	48,546,290	31.94%
2025-12-31	14,099,576	48,476,824	29.09%
2025-09-30	13,917,340	48,664,597	28.60%
2025-06-30	13,290,535	48,434,446	27.44%
2025-03-31	11,164,286	48,135,231	23.19%
2024-12-31	11,196,231	47,831,412	23.41%
2024-09-30	9,621,352	48,066,358	20.02%
2024-06-30	8,907,101	47,821,115	18.63%
2024-03-31	7,401,960	47,323,356	15.64%
2023-12-31	7,548,123	43,596,432	17.31%
2023-09-30	6,888,196	43,301,388	15.91%
2023-06-30	4,236,996	43,229,416	9.80%
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AMERICAN COASTAL INSURANCE Corp (ACIC) — SEC Financial Statements & Analysis

AMERICAN COASTAL INSURANCE Corp (ACIC) is a fire, marine & casualty insurance company, incorporated in DE. AMERICAN COASTAL INSURANCE Corp trades on Nasdaq as: ACIC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), AMERICAN COASTAL INSURANCE Corp reported a -27.07% year-over-year revenue growth, a Gross Profit Margin of 96.95% (TTM), a Price-to-Sales (P/S) ratio of 1.61x (TTM), a Price-to-Book (P/B) ratio of 1.57x (TTM), at a market cap of $533.85M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -27.07%
Gross Profit Margin TTM: 96.95%
P/S TTM: 1.61x
P/B TTM: 1.57x
Market Cap: $533.85M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is AMERICAN COASTAL INSURANCE Corp in?

AMERICAN COASTAL INSURANCE Corp (ACIC) operates in the Fire, Marine & Casualty Insurance industry.

What is ACIC's market cap?

AMERICAN COASTAL INSURANCE Corp (ACIC) has a market capitalization of $533.85M as of 2026-06-30.

What is ACIC's P/E ratio?

AMERICAN COASTAL INSURANCE Corp (ACIC)'s trailing twelve month P/E ratio is 5.33x as of 2026-06-30.

What exchange does ACIC trade on?

AMERICAN COASTAL INSURANCE Corp (ACIC) trades on the Nasdaq.

Where is AMERICAN COASTAL INSURANCE Corp incorporated?

AMERICAN COASTAL INSURANCE Corp is incorporated in DE.