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American Coastal Insurance Corporation ACIC Direct Losses And LAE Incurred

Direct Losses And LAE Incurred at other companies

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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$521.47M+3.8%
Enterprise value$435.04M+8.6%
P/E-1.9×
P/S1.6×-0.1×

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 acic:DirectLossesAndLAEIncurred.

The official record: American Coastal Insurance Corporation’s 10-K, filed March 9, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is American Coastal Insurance Corporation's direct losses and LAE incurred?
American Coastal Insurance Corporation (ACIC) reported direct losses and LAE incurred of $1.31M in Q4 2025.
How has American Coastal Insurance Corporation's direct losses and LAE incurred changed year-over-year?
American Coastal Insurance Corporation's direct losses and LAE incurred decreased by 97.7% year-over-year, from $57.88M to $1.31M.
What is the long-term trend for American Coastal Insurance Corporation's direct losses and LAE incurred?
Over 2 years (2023 to 2025), American Coastal Insurance Corporation's direct losses and LAE incurred has grown at a -79.1% compound annual growth rate (CAGR), from $120.11M to $5.25M.
What does direct losses and LAE incurred mean?
The total cost of claims and associated loss adjustment expenses arising from direct insurance policies during the period. This metric is critical for assessing the underwriting profitability and the accuracy of initial risk pricing for direct business.