American Coastal Insurance Corporation
NASDAQ•ACIC
CEO: Mr. Robert Daniel Peed
板块: Financial Services
行业: Insurance - Property & Casualty
上市日期: 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.
联系方式
市值
$579.50M
市盈率 (TTM)
5.4
11.1
股息率
6.3%
52周最高
$13.06
52周最低
$9.97
52周范围
排名43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
疲弱 • 3.8 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025
财务仪表盘
Q4 2025 数据
营业收入
$86.38M+0.00%
近4季度走势
每股收益
$0.55+0.00%
近4季度走势
自由现金流
-$47.81M+0.00%
近4季度走势
2025 Annual 财报亮点
核心亮点
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.
关注风险
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.
前瞻展望
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.
同行对比
营业收入 (TTM)
$1.60B
$1.39B
$1.25B
毛利率 (最新季度)
190.3%
148.1%
130.2%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| SAFT | $1.13B | 11.3 | 11.3% | 2.5% |
| UFCS | $1.03B | 9.0 | 13.5% | 4.3% |
| UVE | $997.98M | 5.4 | 38.0% | 4.3% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
6.2%
稳定增长
4季度净利润复合增长率
7.6%
盈利能力稳步提升
现金流稳定性
50%
现金流需要关注
深度研究
下次财报:2026年5月6日
每股收益:-
|营业收入:-
财务数据
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利润表
资产负债表
现金流量表
财务比率
变化率
利润表 | 过去12个月 |
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无数据