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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:InterestExpense.

The source filing: American Coastal Insurance Corporation’s 10-Q, filed May 8, 2026.

Filed
May 8, 2026, 4:01 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001401521-26-000029
Line itemThree Months Ended March 31, 2026Three Months Ended March 31, 2025
Losses and loss adjustment expenses10,24311,389
Policy acquisition costs22,39323,466
General and administrative expenses10,7039,506
Interest expense2,3442,717
Total expenses45,68347,078
Income before other income25,54125,124
Other income2121,070
Income before income taxes25,75326,194

Item 1. Financial Statements

FAQ

What is American Coastal Insurance Corporation's interest expense?
American Coastal Insurance Corporation (ACIC) reported interest expense of $2.34M in Q1 2026.
How has American Coastal Insurance Corporation's interest expense changed year-over-year?
American Coastal Insurance Corporation's interest expense decreased by 13.7% year-over-year, from $2.72M to $2.34M.
What is the long-term trend for American Coastal Insurance Corporation's interest expense?
Over 4 years (2021 to 2025), American Coastal Insurance Corporation's interest expense has grown at a 3.8% compound annual growth rate (CAGR), from $9.3M to $10.82M.
What does interest expense mean?
Cost of borrowing — interest paid or accrued on bonds, bank loans, credit facilities, finance leases, and other debt obligations.

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