ACIC NASDAQ
American Coastal Insurance Corporation
1W: -0.3%
1M: +18.4%
3M: +2.5%
YTD: -2.2%
1Y: -6.2%
3Y: +54.6%
5Y: +200.8%
$10.94
-0.19 (-1.71%)
After Hours: $11.12 (+0.18, +1.60%)
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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Revenue
$335M
+13.1% ▲
5Y CAGR: -16.9%
Gross Profit
$289M
+85.1% ▲
5Y CAGR: +162.1%
Operating Income
$143M
+27.9% ▲
Net Income
$107M
+41.1% ▲
EPS (Diluted)
$2.15
+40.5% ▲
EBITDA
$174M
+42.1% ▲
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $229M | $221M | $264M | $297M | $335M |
| YoY Growth | -73.0% | -3.5% | +19.4% | +12.5% | +13.1% |
| Cost of Revenue | $182M | $177M | $122M | $140M | $46M |
| Gross Profit | $46M | $44M | $142M | $156M | $289M |
| Gross Margin | 20.3% | 19.8% | 53.7% | 52.7% | 86.3% |
| R&D Expenses | $0 | $0 | $0 | $358M | $0 |
| SG&A Expenses | $31M | $32M | $32M | $37M | $0 |
| Operating Expenses | $57M | $42M | $45M | $45M | $147M |
| Operating Income | -$10M | $2M | $96M | $112M | $143M |
| Operating Margin | -4.6% | 0.8% | 36.4% | 37.6% | 42.6% |
| Interest Expense | $9M | $9M | $11M | $12M | $11M |
| Income Before Tax | -$10M | $2M | $96M | $102M | $143M |
| Tax Expense | -$7M | $26M | $11M | $25M | $36M |
| Net Income | -$58M | -$470M | $310M | $76M | $107M |
| Net Margin | -25.3% | -212.8% | 117.5% | 25.5% | 31.8% |
| EPS (Diluted) | $-1.35 | $-10.87 | $6.98 | $1.53 | $2.15 |
| EBITDA | $11M | $34M | $118M | $123M | $174M |
| Shares Outstanding | 43M | 43M | 44M | 49M | 50M |