American Coastal Insurance Corporation
NASDAQ•ACIC
CEO: Mr. Robert Daniel Peed
Sector: Financial Services
Industry: Insurance - Property & Casualty
Listing Date: 2007-11-07
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property, and casualty insurance business in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, and cyber security policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
Contact Information
Market Cap
$551.05M
P/E (TTM)
5.1
11.6
Dividend Yield
6.6%
52W High
$13.06
52W Low
$9.97
52W Range
Rank43Top 50.7%
3.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$86.38M+0.00%
4-Quarter Trend
EPS
$0.55+0.00%
4-Quarter Trend
FCF
-$158.90M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Income Jumps Significantly Net income reached $106.84M, a $31.12M increase over 2024, driven by premium growth.
Net Premiums Earned Growth Net premiums earned totaled $306.85M, showing $32.86M growth compared to the prior year.
Catastrophe Loss Ratio Improvement Net loss ratio improved sharply to 15.0% from 25.3% due to zero named storm landfalls in 2025.
Book Value Per Share Rises Book value per share increased to $6.51 from $4.89 in 2024, reflecting strong earnings performance.
Risk Factors
Catastrophe Event Exposure Significant losses possible from hurricanes and severe weather, inherent unpredictability affects financial results.
Reliance on Key Agent 100% of condominium revenue relies on exclusive MGA contract with unaffiliated AmRisc, creating leverage risk.
Loss Reserve Estimation Uncertainty Ultimate claims liability may differ materially from reserves due to judgment required in estimating IBNR.
Regulatory Environment Concentration Financial results substantially depend on Florida regulatory, economic, and weather conditions; lack of diversification.
Outlook
Focus on Commercial Property Strategy centers on being top-quartile underwriter focusing primarily on low-rise commercial property in Florida.
Portfolio Optimization Strategy Continuous portfolio optimization balances risk appetite with available capital and reinsurance capacity for profitability.
Cybersecurity Program Enhancement Ongoing investment in security measures, penetration testing, and tabletop exercises to manage cyber risks effectively.
Internal Control Maintenance Management concluded internal controls over financial reporting were effective as of December 31, 2025.
Peer Comparison
Revenue (TTM)
$1.60B
$1.39B
$1.25B
Gross Margin (Latest Quarter)
190.3%
148.1%
132.8%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| SAFT | $1.07B | 10.6 | 11.3% | 2.5% |
| UVE | $954.50M | 5.2 | 38.0% | 4.3% |
| UFCS | $938.96M | 8.2 | 13.5% | 4.3% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
6.2%
Steady Growth
4Q Net Income CAGR
7.6%
Profitability Improving
Cash Flow Stability
50%
Cash Flow Needs Attention
Deep Research
Next earnings:May 6, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data