ACIC NASDAQ
American Coastal Insurance Corporation
1W: -2.4%
1M: +18.1%
3M: -1.0%
YTD: -3.9%
1Y: -8.0%
3Y: +52.8%
5Y: +203.1%
$10.94
-0.19 (-1.71%)
Weekly Expected Move ±4.8%
$10
$11
$11
$12
$12
Credit Risk of going bust: lower than 59% of companies Debt: 4.0% of company value Bonds: $103.0M held by 6 funds, 181 bp over Treasuries → details ▾
Of US companies ranked in the middle of the pack, about 1 in 580 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.04 (down 99.6%), American Coastal Insurance Corporation would be worth roughly what it owes.
Total debt $125.6M against a stock market value of $3.03B.
Distance to default 6.07 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $41.1M (short-term plus half of long-term), stock volatility 68.8%; Altman Z 4.03. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
If the stock fell to about $0.04 (down 99.6%), American Coastal Insurance Corporation would be worth roughly what it owes.
Total debt $125.6M against a stock market value of $3.03B.
Distance to default 6.07 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $41.1M (short-term plus half of long-term), stock volatility 68.8%; Altman Z 4.03. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
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Balance Sheet Trends
Total Assets
$835M
-31.4% ▼
5Y CAGR: -21.8%
Total Liabilities
$517M
-47.2% ▼
5Y CAGR: -26.6%
Shareholders Equity
$318M
+34.8% ▲
5Y CAGR: -4.3%
Cash & Investments
$2.0B
+589.3% ▲
5Y CAGR: +10.7%
Total Debt
$156M
+2.2% ▲
5Y CAGR: -0.6%
Net Debt
-$866M
-5756.7% ▼
Assets vs Liabilities & Equity
Year-over-Year Growth
View Full Balance Sheet
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Assets — | |||||
| Cash | $212M | $230M | $139M | $137M | $1.0B |
| Short-Term Investments | $664M | $376M | $7M | $148M | $943M |
| Cash & ST Investments | $876M | $606M | $334M | $285M | $2.0B |
| Net Receivables | $1.1B | $836M | $387M | $310M | $70M |
| Inventory | -$365M | -$394M | -$723M | $0 | $0 |
| Other Current Assets | -$66M | $1.3B | $93K | -$756M | -$1.7B |
| Total Current Assets | $2.0B | $2.3B | $154M | $0 | $363M |
| Property, Plant & Equip. | $32M | $20M | $4M | $6M | $723K |
| Goodwill & Intangibles | $91M | $72M | $68M | $65M | $63M |
| Long-Term Investments | $702M | $220M | $2M | $318M | $236M |
| Other Non-Current Assets | -$44M | $173M | $252M | -$389M | $172M |
| Total Non-Current Assets | $825M | $507M | $344M | $0 | $472M |
| Total Assets | $2.7B | $2.8B | $1.1B | $1.2B | $835M |
| — Liabilities — | |||||
| Accounts Payable | $325M | $105M | $76M | $169M | $180M |
| Short-Term Debt | $2M | $2M | $0 | $0 | $398K |
| Deferred Revenue | $323M | $132M | -$597K | $0 | $140M |
| Other Current Liabilities | -$325M | -$105M | $597K | -$169M | -$320M |
| Total Current Liabilities | $325M | $134M | $76M | $0 | $0 |
| Long-Term Debt | $157M | $148M | $149M | $149M | $152M |
| Other Non-Current Liab. | -$158M | -$150M | $224M | -$152M | $362M |
| Total Non-Current Liabilities | $158M | $154M | $374M | $0 | $517M |
| Total Liabilities | $2.4B | $3.0B | $892M | $980M | $517M |
| — Equity — | |||||
| Common Stock | $4K | $4K | $5K | $5K | $5K |
| Retained Earnings | -$75M | -$544M | -$237M | -$185M | -$115M |
| Accumulated OCI | -$7M | -$31M | -$17M | -$16M | -$7M |
| Total Stockholders Equity | $312M | -$180M | $169M | $236M | $318M |
| Total Liabilities & Equity | $2.7B | $2.8B | $1.1B | $1.2B | $854M |
| — Key Metrics — | |||||
| Total Debt | $158M | $150M | $149M | $152M | $156M |
| Net Debt | -$54M | -$76M | -$4M | $15M | -$866M |
| Total Investments | $1.4B | $597M | $10M | $341M | $349M |