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
市值
$579.50M
本益比 (TTM)
5.4
11.1
股息率
6.3%
52周最高
$13.06
52周最低
$9.97
52周範圍
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
-$47.81M+0.00%
近4季度走勢
2025 Annual 財報亮點
核心亮點
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.
關注風險
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.
未來展望
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.
同行對比
營業收入 (TTM)
$1.60B
$1.39B
$1.25B
毛利率 (最新季度)
190.3%
148.1%
130.2%
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 | $1.13B | 11.3 | 11.3% | 2.5% |
| UFCS | $1.03B | 9.0 | 13.5% | 4.3% |
| UVE | $997.98M | 5.4 | 38.0% | 4.3% |
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
每股收益:-
|營業收入:-
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