ACIC AMERICAN COASTAL INSURANCE Corp

Overview and Growth

AMERICAN COASTAL INSURANCE Corp generated $335.44M of revenue in fiscal 2025, with net income of $106.84M and an operating cash inflow of $71.03M. At $335.44M, the top line establishes the operating scale supporting the company’s profit and cash-flow profile. The top line expanded 13.1% from $296.66M in fiscal 2024, increasing the company’s operating scale. Diluted earnings per share were $2.15, translating the period’s attributable earnings into the amount reported for each diluted share. Diluted EPS increased by 39.6% from $1.54 in fiscal 2024, showing how the earnings change reached shareholders on a per-share basis. At period end, total assets were $1.07B, framing the scale of the company’s operating and financing commitments. The revenue-to-assets relationship was 0.31x, showing the sales generated relative to the resources carried on the balance sheet.

Profitability

The reported operating result was $140.28M, capturing profitability after direct costs and the operating expenses reflected in the statements. Relative to revenue, operating income represented 41.8%, showing how efficiently sales converted into operating profit. After all reported below-operating-line items, the company recorded net income of $106.84M for the fiscal year. The final earnings result represented 31.8% of revenue, connecting the absolute net income figure with the company’s top-line scale. The earnings statement records $142.73M of pretax income, the profit base against which the reported tax provision can be assessed. The pretax margin was 42.6%, relating income before taxes directly to revenue. The company recognized $35.94M of income tax for the period, completing the transition from pretax income to net income. Relative to pretax income, the tax provision measured 25.2%, quantifying the portion of pre-tax earnings paid in income tax. Net income equaled 33.6% of period-end equity, showing the earnings generated on shareholders’ book capital. The net-income-to-assets relationship measured 10.0%, showing earnings relative to the full balance sheet.

Liquidity and Capital Structure

Total assets were $1.07B, supported by $755.17M of liabilities and $317.56M of shareholder equity. The company held $198.76M in cash and equivalents, a narrower liquidity measure than total current assets. Borrowings totaled $150.00M, adding a fixed financing obligation alongside the company’s equity capital. The debt-to-equity relationship was 0.47x, showing how much debt the company carried for each unit of book equity. Debt represented 14.0% of total assets, placing borrowing in the context of the company’s full resource base. Relative to total assets, liabilities measured 70.4%, complementing the separate equity-based view of the company’s capital structure. Measured against total assets, cash and equivalents represented 18.5%, a balance-sheet composition measure rather than a liquidity forecast. Compared with $1.22B in fiscal 2024, the current asset base moved 11.8% and finished lower. Book equity was 34.8% higher than fiscal 2024 equity of $235.66M, showing how shareholder capital changed year over year. The reported cash balance changed 45.0% from $137.04M in fiscal 2024, ending higher year over year.

Cash Flow and Earnings Quality

Operating activities produced a cash inflow of $71.03M, giving the cash-flow counterpart to the accrual-based profit measures reported for the year. Against net income, operating cash flow measured 0.66x, showing the relationship between accrual earnings and operating cash. Capital expenditures used $155.00K, identifying the reported investment outflow deducted from operating cash flow in the free-cash-flow calculation. Relative to operating cash flow, capital expenditures measured 0.2%, connecting investment intensity with the company’s cash-generation base. The combination of operating cash flow and capital spending produced $70.87M of positive free cash flow for the period. The free-cash-flow margin was 21.1%, measuring cash remaining after capital spending against revenue. The free-cash-flow-to-assets relationship was 6.6%, comparing post-investment cash with the balance-sheet asset base.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.