AC

American Coastal Insurance Corporation

ACICยทNASDAQ

$9.89

-5.2%
Financial ServicesInsurance - Property & Casualty

American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies 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, cyber security, and flood 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 headquartered in Saint Petersburg, Florida.

At a Glance

Live Snapshot
Market Cap$479.31M
EPS2.2000
P/E Ratio4.50
Earnings Date08/05/2026
3Y-62.0%
5Y-62.0%
10Y+8.0%
3Y-75.0%
5Y-69.0%
10Y-
3Y-276.0%
5Y-24.0%
10Y+32.0%
a

American Coastal Insurance Corporation Funding & Solvency Profile

ACIC ยท NASDAQ
Cash & Cash Equivalents198.76M
Net Receivables207.81M
Inventory0.00
Other Current Assets94.09M
Total Current Assets723 M
Property, Plant & Equipment723.00K
Goodwill & Intangible Assets100.76M
Long-Term Investments235.84M
Other Non-Current Assets12.00M
Total Non-Current Assets249 M
Total Assets
1.07B

Financial Health Analysis

Current Ratio

1.22x

Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.

Debt-to-Equity Ratio

2.38x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

128 M

Positive working capital, but relatively tight. The company should monitor cash flow carefully.

Asset Composition

67% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

American Coastal Insurance Corporation Balance Sheet

ACIC โ€ข NASDAQ

American Coastal Insurance Corporation Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
198.8M
137M
138.9M
229.9M
212M
239.4M
215.5M
112.7M
139.2M
150.7M
84.8M
61.4M
34.9M
71.2M
41.6M
71.6M
27.1M
31.7M
71.3K
46.2M
113M
148M
7.2M
376.5M
663.6M
940M
884.9M
862.3M
137.1M
528.6M
447.5M
381.6M
288.6M
151.9M
0.0
0.0
0.0
0.0
0.0
22.9M
311.8M
285M
334.5M
606.4M
875.6M
1.2B
1.1B
975M
276.3M
679.3M
532.3M
443M
323.5M
223.1M
41.6M
71.6M
27.1M
31.7M
71.3K
69.1M
207.8M
310M
386.7M
835.8M
1.1B
908.5M
636.7M
721.8M
471M
62.9M
44.1M
33.4M
28.5M
0.0
15.7M
7.8M
7.5M
10.2M
10M
0.0
198.7M
310M
388.4M
835.8M
1.1B
908.5M
636.7M
721.8M
471M
62.9M
44.1M
33.4M
28.5M
19.4M
15.7M
7.8M
7.5M
10.2M
10M
0.0
9.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-722.8M
-394M
-364.5M
-1.6B
-476.4M
-359M
-423.9M
-230.3M
-179M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
109.7M
160.9M
155.3M
0.0
430.6M
384.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
49.9M
41M
38.3M
40.3M
26.5M
26.3M
0.0
94.1M
-755.9M
93K
1.3B
-66.1M
-884.2M
476.4M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
153.8M
723.4M
0.0
153.8M
2.3B
2B
1.4M
1.7B
1.7B
747.3M
742.2M
576.4M
476.5M
352M
242.5M
52.8M
79.5M
36.2M
41.9M
71.3K
153.8M
NON-CURRENT ASSETS
723K
5.7M
4.2M
19.6M
31.6M
34.2M
32.7M
17.1M
17.3M
17.9M
17.1M
8M
592K
548K
0.0
0.0
322K
294K
0.0
99K
59.5M
59.5M
59.5M
59.5M
73M
73M
73M
73M
73M
14.3M
3.4M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
41.3M
5.9M
8.5M
12.8M
18.4M
21.9M
26.1M
31.4M
45.3M
12.4M
46.7M
31.9M
1.8M
553K
0.0
0.0
1.2M
1.2M
0.0
0.0
100.8M
65.4M
68M
72.2M
91.4M
95M
99.1M
104.4M
118.3M
26.6M
50.1M
31.9M
1.8M
553K
0.0
0.0
1.2M
1.2M
0.0
0.0
235.8M
317.8M
2.5M
220.3M
701.6M
947.5M
1B
943.3M
991.6M
528.6M
452.7M
381.6M
288.9M
152.2M
124M
54.3M
132.7M
125.9M
0.0
23.9M
0.0
0.0
17.8M
21.9M
43.8M
35.4M
47.7M
37.1M
36.8M
26M
19.6M
357.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7.7M
12M
-388.9M
251.7M
173.2M
-43.8M
-35.4M
-47.7M
-37.1M
-36.8M
-26M
-19.6M
-389.6M
-291.3M
-153.3M
-124M
-54.3M
-134.2M
-127.4M
0.0
91.4M
349.3M
0.0
344.3M
507.3M
824.5M
1.1B
1.1B
1.1B
1.1B
560.8M
473.3M
389.6M
291.3M
153.3M
124M
54.3M
134.2M
127.4M
0.0
123.1M
0.0
1.2B
562.3M
7.3M
-77.9M
1.8B
-403.1M
-440.3M
185.3M
-308.7M
-309.7M
-281.9M
-202.1M
-82.2M
63.4M
79.9M
77.3M
63.8M
0.0
0.0
1.1B
1.2B
1.1B
2.8B
2.7B
2.8B
2.5B
2.3B
2.1B
994.3M
740M
584.2M
441.2M
313.6M
240.2M
213.6M
247.8M
233.1M
37.9M
277M
LIABILITIES
CURRENT LIABILITIES
179.6M
169.3M
75.6M
104.9M
324.9M
332.8M
244.7M
246.3M
195.7M
99.9M
64.5M
45.3M
39.5M
26.1M
16.6M
15M
28.2M
28.7M
27M
53M
179.6M
169.3M
75.6M
104.9M
324.9M
332.8M
244.7M
246.3M
195.7M
99.9M
64.5M
45.3M
39.5M
26.1M
16.6M
15M
28.2M
27.4M
24.7M
53M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4M
2.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9.2M
0.0
0.0
0.0
0.0
2.1M
2.2M
2.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2M
5.5M
4.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
69.9K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4M
0.0
0.0
249.6M
0.0
-597K
132.3M
322.7M
0.0
233.4M
244.8M
194.5M
89.9M
63.4M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.4M
165.7M
-169.3M
597K
-104.9M
-324.9M
-335M
-233.4M
-246.3M
-195.7M
-99.9M
-64.5M
-45.3M
-39.5M
-26.1M
-16.6M
-16.2M
-33.7M
-33.4M
-36.2M
62.9M
594.9M
0.0
75.6M
134.4M
324.9M
11K
244.7M
246.3M
195.7M
99.9M
64.5M
45.3M
54.2M
41.9M
16.6M
16.2M
33.7M
21.3M
174.3K
118.4M
NON-CURRENT LIABILITIES
149.4M
149M
148.7M
148.4M
156.6M
158M
158.9M
160.1M
161.4M
54.2M
12.4M
13.5M
14.7M
15.9M
17.1M
17.1M
35.9M
36.7M
32.8M
50.6M
0.0
0.0
0.0
132M
138.6M
191.6M
192.4M
185M
180.7M
75.4M
35M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.6M
0.0
0.0
0.0
22.1M
19.9M
-31.2M
-33.1M
-24.9M
-19.3M
-21.2M
-22.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
924K
7.7M
-152.3M
224.4M
-150M
-158.5M
-160.4M
-159.3M
-160.1M
-161.4M
-54.2M
-12.4M
-13.5M
-14.7M
0.0
-17.1M
-17.1M
-35.9M
-36.7M
-32.8M
72.4M
160.2M
0.0
373.9M
154.2M
158.5M
160.4M
159.3M
160.1M
161.4M
54.2M
12.4M
13.5M
14.7M
15.9M
17.1M
17.1M
35.9M
36.7M
0.0
134.5M
0.0
980.5M
442.1M
2.7B
1.9B
2.3B
1.5B
1.4B
1.2B
598.9M
423.9M
321.6M
264.7M
167.8M
151.6M
135.1M
130.1M
132.2M
0.0
0.0
3.1M
3.3M
776K
1.7M
1.9M
2.3M
324K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
755.2M
980.5M
891.6M
3B
2.4B
2.4B
1.9B
1.8B
1.5B
753M
500.8M
380.4M
333.6M
225.6M
185.2M
168.3M
199.7M
190.2M
174.3K
252.9M
SHAREHOLDERS' EQUITY
-431K
-431K
-431K
-431K
-431K
-431K
-431K
-431K
-431K
-431K
-431K
-431K
-431K
-431K
-431K
0.0
0.0
0.0
0.0
0.0
5K
5K
5K
4K
4K
4K
4K
4K
4K
2K
2K
2K
2K
2K
1K
1K
1K
1K
602.0
0.0
439.7M
436.5M
423.7M
395.6M
394.3M
393.1M
391.9M
389.1M
387.1M
99.4M
97.2M
82.4M
27.8M
24.1M
75K
75K
75K
0.0
7.5M
0.0
-114.5M
-184.8M
-237.4M
-544.4M
-74.9M
-6.6M
100.4M
140.5M
141.2M
141.6M
140.9M
117.8M
80.1M
61.7M
53M
45.4M
46.9M
44.4M
82.5K
17.6M
-7.2M
-15.7M
-17.1M
-30.9M
-6.5M
9.7M
11.3M
-9M
9.2M
822K
1.6M
4M
92K
2.6M
2.3M
-216K
1.1M
-1.5M
0.0
6.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-21.1M
0.0
317.6M
235.7M
168.8M
-180.2M
312.4M
395.8M
503.1M
520.2M
537.1M
241.3M
239.2M
203.8M
107.6M
88M
55M
45.3M
48.1M
42.9M
25M
24.1M
317.6M
235.7M
168.8M
-180.2M
332M
417.6M
523.9M
540.4M
537.1M
241.3M
239.2M
203.8M
107.6M
88M
55M
45.3M
48.1M
42.9M
25M
24.1M
0.0
0.0
0.0
0.0
19.6M
21.8M
20.7M
20.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
SUMMARY
1.1B
1.2B
1.1B
2.8B
2.7B
2.8B
2.5B
2.3B
2.1B
994.3M
740M
584.2M
441.2M
313.6M
240.2M
213.6M
247.8M
233.1M
37.9M
277M
348.9M
341.4M
9.7M
596.8M
1.4B
1.9B
1.9B
951.8M
991.6M
528.6M
452.7M
763.3M
288.9M
152.2M
124M
54.3M
132.7M
125.9M
0.0
46.8M
152.5M
152.3M
149.5M
150M
158.5M
160.4M
159.3M
160.1M
161.4M
54.2M
12.4M
13.5M
14.7M
15.9M
17.1M
18.2M
41.4M
41.3M
0.0
50.6M
-46.3M
15.3M
-4.3M
-75.7M
-53.5M
-79.1M
-56.2M
47.4M
22.2M
-96.5M
-72.4M
-47.9M
-20.2M
-55.3M
-24.6M
-53.4M
14.3M
9.6M
-71.3K
4.3M
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302
48,765,302

SEC Filings

ACIC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 29, 2026
May 29, 2026
2026
8-K

8-K 2026

N/A

May 15, 2026
May 15, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 05, 2026
May 05, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 01, 2026
April 01, 2026
2026
10-K

10-K 2025 FY

FY

March 09, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 20, 2026
February 17, 2026
2026
8-K

8-K 2026

N/A

February 19, 2026
February 19, 2026
2026
8-K

8-K 2026

N/A

January 14, 2026
January 14, 2026
2026
8-K

8-K 2026

N/A

January 07, 2026
January 07, 2026
2026
Showing 1 to 10 of 366 filings