FY2025 · ended Dec 31, 2025 · Revenue $335.44M, +13.1% YoY · Filed Mar 9, 2026
American Coastal Insurance Corporation (ACIC) files with the SEC under industry code 6331, Fire, Marine & Casualty Insurance. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $335.4 million and net income of $106.8 million. Free cash flow was $70.9 million. As of Sep 30, 2026 it held $517.0 million in cash and investments and $3.0 million in total debt.
Revenue (TTM)
$310.90M
-5.3% vs year-ago TTM
Net income (TTM)
$87.11M
+2.2% vs year-ago TTM
Operating cash flow (TTM)
$69.57M
-42.2% vs year-ago TTM
Free cash flow (TTM)
$68.94M
-42.7% vs year-ago TTM
EPS (TTM)
$1.76
+2.9% vs year-ago TTM
Dividend per share
$0.75
+212.5% vs prior year
Shares outstanding
48.66M
+0.8% vs prior year
Net cash
$514.07M
as of Sep 30, 2026
Operating margin
37.7%
FY 2026
Company profile
- Industry
- Fire, Marine & Casualty Insurance (SIC 6331)
- Listed as
- ACIC (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- Saint Petersburg, FL
- SEC filer status
- Accelerated filer
- SEC CIK
- 1401521
- Former names
- UNITED INSURANCE HOLDINGS CORP. (until Jun 26, 2023); FMG ACQUISITION CORP (until Sep 24, 2008)
Other Fire, Marine & Casualty Insurance companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $335.4M | $296.7M | $264.4M | $221.7M | $228.7M |
| Operating income | $140.3M | $99.6M | $93.9M | -$8.7M | -$10.5M |
| Net income | $106.8M | $75.7M | $309.9M | -$469.9M | -$57.9M |
| Diluted EPS | $2.15 | $1.54 | $6.98 | -$10.91 | -$1.35 |
| Operating cash flow | $71.0M | $243.5M | -$136.0M | -$173.1M | -$295.4M |
| Free cash flow | $70.9M | $243.5M | -$136.2M | -$176.2M | -$300.7M |
| Total assets | $1.1B | $1.2B | $1.1B | $2.8B | $2.7B |
| Total liabilities | $755.2M | $980.5M | $893.6M | $3.0B | $2.4B |
| Stockholders' equity | $317.6M | $235.7M | $168.8M | -$182.0M | $312.4M |
| Cash and investments | $451.9M | — | — | $606.4M | $875.6M |
| Total debt | $153.1M | $153.3M | $150.7M | $151.7M | $160.5M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 10-Q | Quarterly report | Nov 5, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations, Regulation FD disclosure
|
Oct 29, 2026 | Oct 29, 2026 |
| 8-K |
Current report
Officer or director change
|
Oct 2, 2026 | Oct 1, 2026 |
| 10-Q | Quarterly report | Aug 6, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations, Regulation FD disclosure
|
Aug 5, 2026 | Aug 5, 2026 |
| 8-K |
Current report
Shareholder vote results
|
May 29, 2026 | May 29, 2026 |
All 1001 American Coastal Insurance Corporation SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.