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American Coastal Insurance Corporation

NASDAQ•ACIC
執行長: Mr. Robert Daniel Peed
板塊: Financial Services
行業: 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.
聯絡資訊
800 2nd Avenue S., Saint Petersburg, FL, 33701, United States
727-633-0851
www.amcoastal.com
市值
$567.14M
本益比 (TTM)
5.3
12.2
股息率
6.4%
52周最高
$13.06
52周最低
$9.97
52周範圍
54%
排名43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
疲弱 • 3.8 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$86.38M+0.00%
近4季度走勢

每股收益

$0.55+0.00%
近4季度走勢

自由現金流

-$158.90M+0.00%
近4季度走勢

2025 Q3 財報亮點

核心亮點

Q3 Net Income Growth Q3 Net Income $32.48M, up 17.4% from $27.67M, driven by continuing operations performance.
Nine Month Premium Growth Nine Months Net Premiums Earned $227.53M, showing 13.5% growth compared to $200.50M last year.
Strong Liquidity Position Total cash, restricted cash, and equivalents grew to $359.14M, a $159.74M increase since year-end 2024.
Stockholders' Equity Improvement Total Equity improved to $327.22M as of September 30, 2025, up from $235.66M previously reported.

關注風險

Vendor Concentration Risk Heavy reliance on AmRisc MGA contract; failure to meet volume targets impacts substantial premium revenues.
Catastrophe Event Exposure Continued high exposure to severe weather events in Florida underwriting focus, impacting loss ratios.
Potential Reserve Shortfalls Risk that actual incurred claims exceed established loss reserves, potentially impacting statutory surplus levels.
Regulatory Dividend Restrictions State laws heavily regulate operations, restricting dividend payments if statutory surplus falls below minimum RBC guidelines.

未來展望

Streamlined Business Focus Completed sale of IIC, streamlining remaining operations exclusively to commercial residential property insurance in Florida.
Debt Interest Rate Reduction Senior Notes interest rate decreases to 6.25% effective December 2025 following recent issuer rating upgrade.
Stock Repurchase Authorization Board authorized up to $25.0M stock repurchase plan; execution timing is discretionary based on market conditions.
G&A Expense Reduction Nine months G&A expenses decreased $4.87M, aided by non-recurring $4.47M Employee Retention Credit refund receipt.

同行對比

營業收入 (TTM)

KINS stock ticker logoKINS
$56.58B
+36369.6%
UVE stock ticker logoUVE
$1.60B
+5.4%
UFCS stock ticker logoUFCS
$1.39B
+10.8%

毛利率 (最新季度)

PRAA stock ticker logoPRAA
190.3%
+2.4pp
ACIC stock ticker logoACIC
88.5%
-0.0pp
GAIN stock ticker logoGAIN
82.4%
+0.0pp

關鍵指標

股票代碼
市值
本益比 (TTM)
股東權益報酬率 (TTM)
負債率
SAFT$1.12B11.111.3%3.0%
UVE$992.65M5.438.0%4.3%
UFCS$963.97M8.513.5%4.3%

長期趨勢

近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
6.2%
穩定增長
4季度淨利複合增長率
7.6%
盈利能力逐步提升
現金流穩定性
50%
現金流需要關注

深度研究

下次財報:2026年5月6日
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