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American Coastal Insurance(NASDAQ) ACIC

Market Cap$514.69MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2008)+234%
5 Year+180%
1 Year+8%
1 Month-7%
$10.84
+2.07%
+0.22Today
American Coastal Insurance last closing stock price
MetricPriceDate
Last closeUSD 10.622026-07-31
American Coastal Insurance stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.31%USD 10.282026-07-24
1 month-6.68%USD 11.382026-07-01
3 month-10.15%USD 11.822026-05-01
Year to date-10.61%USD 11.882025-12-31
1 year+8.46%USD 9.792025-07-31
3 year+118.36%USD 4.862023-08-01
5 year+180.13%USD 3.792021-07-30
Since inception+234.23%USD 3.182008-10-01

American Coastal Insurance Financials at a Glance

Market Cap

$514.69MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$334.25M

Net Income (TTM)

$104.74M

EPS (TTM)

$2.10

P/E Ratio

5.05

Dividend

$0.00

Beta (Volatility)

0.48 (Low)

Price

$10.84

Volume

114,362.864

Open

$10.73

Previous Close

$10.62

Daily Range

$10.50 - $10.88

52-Week Range

$9.39 - $12.30

Estimated Earnings Date

Aug 5, 2026

ACIC News

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American Coastal (ACIC) Q2 EPS Jumps 36%

Motley Fool Markets TeamAug 6, 2025
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Why American Coastal Insurance Stock Dived by 17% Today

Eric VolkmanSep 28, 2023

ACIC: Motley Fool Moneyball Superscore

57

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About American Coastal Insurance

American Coastal helps protect Florida properties from natural disasters. It provides insurance for condos, apartments, and private homes. The company helps owners recover after storms or fires.

Insurance for Condos and Homes

  • Condominium Association Insurance: Commercial multi-peril property coverage protecting buildings against wind, fire, hail, and water damage.
  • Apartments and Assisted Living: Specialty insurance products for residential complexes distributed through wholesale partners across Florida.
  • Residential Personal Lines: Standard structure, content, and liability coverage for homeowners, renters, and individual condo unit owners.
  • Managed Supplemental Policies: Commission-based add-ons for equipment breakdown, identity theft, and flood protection where risk is transferred to third parties.

New Partners and Asset Sales

  • Changed the corporate name from United Insurance Holdings Corp. to American Coastal Insurance Corporation in August 2023.
  • Sold Interboro Insurance Company to Forza Insurance Holdings, LLC on April 1, 2025, for approximately $25.7 million.
  • Divested United Property & Casualty Insurance Company in 2023 after Florida state regulators placed the unit into receivership.
  • Expanded the distribution of apartment and assisted living products through Skyway Underwriters during 2025 to reach new markets.

Technology for Predicting Storms

The company manages coastal risk by inspecting properties every three years to verify data and building quality. It utilizes artificial intelligence and third-party modeling to evaluate risks and set fair prices for insurance policies.

Looking at the Recent Numbers

  • Revenue reached $86.4 million in Q4 2025, up 9.3% from $79 million in Q4 2024.
  • Net income rose to $26.6 million in Q4 2025, up 437.1% from the previous year.
  • Operating income hit $36.6 million in Q4 2025, a 312% increase from $8.9 million in Q4 2024.
  • Free cash flow fell to negative $47.8 million in Q4 2025, which worsened by 3105.1% from Q4 2024.

A New Focus for Growth

American Coastal has transitioned from a multi-state personal insurer into a Florida-focused commercial property specialist. Its streamlined operations and refined risk models focus on high-demand, catastrophe-exposed coastal environments.

AI Generated • May 5, 2026

Industry

Insurance

Sector

Financials

Employees

68

CEO

Bennett Bradford Martz, MBA, CPA

Website

www.amcoastal.com

Headquarters

Saint Petersburg, FL 33716, US

ACIC Financials

Key Financial Metrics (TTM)

Gross Margin

71.19%

Operating Margin

42.57%

Net Income Margin

31.34%

Return on Equity

33.02%

Return on Capital

30.37%

Return on Assets

10.51%

Earnings Yield

19.80%

Dividend Yield

0.00%

Payout Ratio

34.92%

Stock Overview

Market Cap

$514.69MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

48.46M

Volume

114.36K

Avg. Volume

301.82K

Financials (TTM)

Gross Profit

$237.95M

Operating Income

$142.29M

EBITDA

$163.52M

Operating Cash Flow

$38.85M

Capital Expenditure

-$195.00K

Free Cash Flow

$38.65M

Cash & ST Invst.

$229.93M

Total Debt

$152.51M

American Coastal Insurance Performance Analysis

American Coastal Insurance annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 269,791,000-57.5%
20232023-12-31USD 264,400,000-2.0%
20242024-12-31USD 296,657,00012.2%
20252025-12-31USD 335,439,00013.1%
American Coastal Insurance sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3019.8%
Q32025-09-304.5%
Q42025-12-31-4.3%
Q12026-03-31-17.5%
American Coastal Insurance annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -10.91709.3%
20232023-12-31USD 6.98N/A
20242024-12-31USD 1.53-78.0%
20252025-12-31USD 2.1539.9%
American Coastal Insurance sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3023.3%
Q32025-09-3022.6%
Q42025-12-31-18.5%
Q12026-03-31-26.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$71.22M

-1.2%

Gross Profit

$60.98M

+65.5%

Gross Margin

85.62%

N/A

Market Cap

$514.69MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$7.57M

N/A

Employees

68

N/A

Net Income

$19.25M

-9.8%

EBITDA

$28.96M

-5.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$229.93M

-30.9%

Total Debt

$152.51M

+0.1%

Accounts Receivable

$197.87M

-25.9%

Inventory

$0.00

N/A

Long Term Debt

$152.51M

+0.1%

Short Term Debt

$0.00

N/A

Return on Assets

10.51%

N/A

Return on Invested Capital

29.09%

N/A

Free Cash Flow

-$5.87M

-122.3%

Operating Cash Flow

-$5.74M

-121.7%

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Questions About ACIC

What is the current price of American Coastal Insurance?

American Coastal Insurance is trading at $10.84 per share.

What is the 52-week range for American Coastal Insurance?

Over the past 52 weeks, American Coastal Insurance has traded between $9.39 and $12.30.

How much debt does American Coastal Insurance have?

As of the most recent reporting period, American Coastal Insurance reported total debt of $152.51M.

How much cash does American Coastal Insurance have on hand?

American Coastal Insurance reported $238.95M in cash and cash equivalents in its most recent financial results.

What is American Coastal Insurance’s dividend yield?

American Coastal Insurance does not currently have a dividend yield.

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