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American Coastal Insurance Corporation

ACIC

American Coastal Insurance Corporation is a specialized property and casualty insurance holding company primarily focused on the commercial residential market in Florida.

Market cap
$504.51M+0.8%
Revenue$334.5M+10.7%
Net income$104.7M+42.6%
Free cash flow$150.0M+22.9%
EPS (diluted)$2.11+41.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Aug 5, 2026 (In 1 week)
Revenue estimate$194.1M
EPS estimate$0.42

Financials

Q1 2026

Income statement

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Revenue$71.2M-1.4%
Operating income$25.5M+1.7%
Net income$19.3M-9.8%
EPS (diluted)$0.39-9.3%

Balance sheet

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Cash & equivalents$238.9M-6.0%
Total debt$152.5M+0.1%
Total equity$331.7M+27.1%
Total assets$997.0M-14.0%

Cash flow

See full
Operating cash flow-$5.7M-122%
CapEx$136.0K+41.7%
Free cash flow-$5.9M-122%

Valuation & ratios

Valuation

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Market cap$504.51M+0.8%
Enterprise value$418.07M+67.9%
P/E4.8×-1.4×
P/S1.5×-0.1×

Profitability

See full
Operating margin42.1%+10.9pp
Net margin31.3%+7.0pp

Returns & leverage

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Return on equity35.4%+3.7pp
Debt / equity0.5×-0.1×

Competitors

Profile

American Coastal Insurance Corporation is a specialized property and casualty insurance holding company primarily focused on the commercial residential market in Florida. The company provides multi-peril property insurance for condominium associations, apartments, and assisted living facilities, specifically targeting areas where national carriers have reduced their presence due to catastrophe exposure. Its core value proposition centers on disciplined underwriting of catastrophe-exposed risks through advanced pricing algorithms and strategic distribution partnerships.

Competitive position

A specialized niche underwriter focusing on high-risk, catastrophe-exposed commercial properties in Florida that are often underserved by national carriers.

GeographiesUnited States, Florida
Customer segmentsCommercial Enterprises, Property Management, Healthcare Facilities
Business modelUnderwriting, B2B2C, Commission-based
SuppliersReinsurance providers, Third-party catastrophe modeling software providers, AI technology vendors
CustomersCondominium associations, Property owners, Independent insurance agencies, Wholesale brokers
Listed2007
Employees71.0
CEOBennett Bradford Martz
FilingsSEC EDGAR

Questions, answered.

What is American Coastal Insurance Corporation's market cap?
American Coastal Insurance Corporation (ACIC) has a market capitalization of $504.5M and trades on NASDAQ.
What is American Coastal Insurance Corporation's revenue and profitability?
American Coastal Insurance Corporation generated $334.5M in trailing twelve-month revenue with net income of $104.7M, representing a net margin of 31.3%, with free cash flow of $150.0M. These figures are based on the Q1 2026 filing.
Who are American Coastal Insurance Corporation's competitors?
American Coastal Insurance Corporation's key competitors include Universal Insurance Holdings, Heritage Insurance Holdings, Progressive, and others. These companies compete in similar markets and product categories.
Who does American Coastal Insurance Corporation partner with?
American Coastal Insurance Corporation's notable partners include AmRisc, Demotech, Kroll Bond Rating Agency.
What subsidiaries does American Coastal Insurance Corporation have?
American Coastal Insurance Corporation's subsidiaries include American Coastal Insurance Company, Skyway Underwriters, AmCo Holding Company, LLC.
Where is American Coastal Insurance Corporation headquartered?
American Coastal Insurance Corporation is headquartered in United States of America and employs approximately 71 people. It has been publicly traded since 2007.