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American Coastal Insurance Corporation ACIC Property Liability And Casualty Insurance — Premiums Written Net

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Other financials

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

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

Valuation

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Market cap$470.33M-10.2%
Enterprise value$383.9M+42.7%
P/E4.5×-2.0×
P/S1.4×-0.2×

Profitability

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Operating margin42.1%+10.9pp
Net margin31.3%+7.0pp
FCF margin48.7%

Returns & leverage

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

Where this comes from

Reported directly by American Coastal Insurance Corporation in its filing.

Tagged under the XBRL concept us-gaap:PremiumsWrittenNet.

The source filing: American Coastal Insurance Corporation’s 10-K, filed March 9, 2026.

Filed
Mar 9, 2026, 4:53 PM EDT
Fiscal year
FY2025
Accession
0001401521-26-000015
Years Ended December 31,Property and Casualty Insurance / Direct Premium WrittenProperty and Casualty Insurance / Premiums Ceded to Other CompaniesProperty and Casualty Insurance / Premiums Assumed from Other CompaniesProperty and Casualty Insurance / Net Premiums WrittenProperty and Casualty Insurance / Percentage of Premiums Assumed to Net
2025$612,599$290,212$(77)$322,310
2024642,727370,2105,078277,5951.8%
2023635,593413,462116222,2470.1%

Item 15. Exhibits and Financial Statement Schedules

FAQ

What is American Coastal Insurance Corporation's property liability and casualty insurance — premiums written net?
American Coastal Insurance Corporation (ACIC) reported property liability and casualty insurance — premiums written net of $80.58M in Q4 2025.
How has American Coastal Insurance Corporation's property liability and casualty insurance — premiums written net changed year-over-year?
American Coastal Insurance Corporation's property liability and casualty insurance — premiums written net increased by 16.1% year-over-year, from $69.4M to $80.58M.
What is the long-term trend for American Coastal Insurance Corporation's property liability and casualty insurance — premiums written net?
Over 2 years (2023 to 2025), American Coastal Insurance Corporation's property liability and casualty insurance — premiums written net has grown at a 20.4% compound annual growth rate (CAGR), from $222.25M to $322.31M.
What does property liability and casualty insurance — premiums written net mean?
This metric represents the total premiums retained by the insurance segment after accounting for both ceded and assumed reinsurance activities. It is a critical measure of the actual risk the company keeps on its own balance sheet and the revenue available to cover future claims and operating expenses. A stable or growing net premium base is essential for long-term underwriting profitability.

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