← AMERICAN COASTAL INSURANCE Corp ACIC
Market Price
$9.87
Market Cap
$473.01M
P/E Ratio
4.59
Revenue (FY 2025)
↑13.1% YoY
$335.44M
3-Yr CAGR: -9.7%
Net Income
↑41.1% YoY
$106.84M
Net Margin: 31.8%
Free Cash Flow
↓-70.9% YoY
$70.87M
FCF Yield: 14.98%
EPS (Diluted)
↑39.6% YoY
$2.15
Basic: $2.20
Return on Equity
Efficiency
33.6%
ROA: 3,078.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (ACIC)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $487.1M | — | $188.0M | $5.7M | — | $0.26 | — | $65.7M | $62.6M | — |
| FY 2017 | $654.4M | +34.3% | $285.6M | $10.1M | +78.0% | $0.27 | +3.8% | $14.3M | $9.1M | -85.5% |
| FY 2018 | $723.9M | +10.6% | $305.5M | $0.3M | -97.1% | $0.01 | -96.3% | $10.1M | $6.0M | -33.3% |
| FY 2019 | $825.1M | +14.0% | $315.8M | $-29.9M | -10,400.7% | $-0.70 | -7,100.0% | $149.0M | $127.1M | +2,001.1% |
| FY 2020 | $846.7M | +2.6% | $228.8M | $-96.5M | -222.9% | $-2.25 | -221.4% | $-10.5M | $-21.3M | -116.8% |
| FY 2021 | $634.5M | -25.1% | $203.0M | $-57.9M | +40.0% | $-1.35 | +40.0% | $-295.4M | $-300.7M | -1,310.3% |
| FY 2022 | $455.4M | -28.2% | $455.4M | $-469.9M | -711.2% | $-10.91 | -708.1% | $-173.1M | $-176.2M | +41.4% |
| FY 2023 | $286.5M | -37.1% | $212.8M | $309.9M | +166.0% | $6.98 | +164.0% | $-136.0M | $-136.2M | +22.7% |
| FY 2024 | $296.7M | +3.5% | $215.3M | $75.7M | -75.6% | $1.54 | -77.9% | $243.5M | $243.5M | +278.8% |
| FY 2025 | $335.4M | +13.1% | $278.6M | $106.8M | +41.1% | $2.15 | +39.6% | $71.0M | $70.9M | -70.9% |
Valuation
Market Price
$9.87
Market Cap
$473.01M
Enterprise Value
$424.25M
P/E Ratio
4.59
P/B Ratio
1.51
FCF Yield
14.98%
Dividend Yield
7.60%
Shares Outstanding
Profitability & Margins
Gross Margin
83.05%
Operating Margin
41.82%
Net Margin
31.85%
Return on Equity (ROE)
33.64%
Return on Assets (ROA)
3,077.99%
Asset Turnover
96.64x
Revenue 3-Yr CAGR
-9.69%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.472
Debt / Assets
43.215
Cash & Equivalents
$198.76M
Total Debt
$150.00M
Book Value / Share
$6.55
Cash Flow Efficiency
Operating Cash Flow
$71.03M
Capital Expenditures (CapEx)
$155.00K
Free Cash Flow
$70.87M
OCF / Revenue
21.17%
FCF / Revenue
21.13%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
$2.15
EPS (Basic)
$2.20
Dividends / Share
$0.75
Book Value / Share
$6.55
EPS YoY Growth
39.61%
Balance Sheet (FY 2025)
Total Assets
$3.47M
Total Liabilities
$7.55M
Stockholders' Equity
$317.56M
Current Assets
N/A
Current Liabilities
N/A