American Coastal Insurance Corporation
NASDAQ•ACIC
CEO: Mr. Robert Daniel Peed
セクター: Financial Services
業種: Insurance - Property & Casualty
上場日: 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.
連絡先情報
時価総額
$570.74M
PER (TTM)
5.3
11.1
配当利回り
6.4%
52週高値
$13.06
52週安値
$9.97
52週レンジ
順位43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$86.38M+0.00%
直近4四半期の推移
EPS
$0.55+0.00%
直近4四半期の推移
フリーCF
-$47.81M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
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.
リスク要因
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.
見通し
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.
同業比較
売上高 (TTM)
$1.60B
$1.39B
$1.25B
粗利益率 (最新四半期)
190.3%
148.1%
130.2%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| SAFT | $1.10B | 11.1 | 11.3% | 2.5% |
| UFCS | $1.00B | 8.8 | 13.5% | 4.3% |
| UVE | $964.32M | 5.2 | 38.0% | 4.3% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
6.2%
安定成長
4四半期純利益CAGR
7.6%
収益性の着実な向上
キャッシュフロー安定性
50%
キャッシュフローに注意が必要
深度リサーチ
次回決算:2026年5月6日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし