ACIC (American Coastal Insurance Corporation) Stock Financials & Earnings | Market Cap Arena

ACIC (American Coastal Insurance Corporation) Stock Financials & Earnings | Market Cap Arena

ACICAmerican Coastal Insurance Corporation

Mkt Cap$566M

Financial Services·Insurance - Property & Casualty·🇺🇸 United States·NASDAQ

Revenue (TTM)$335M

Net Income (TTM)$107M

EPS (TTM)$2.14

Free Cash Flow (TTM)-$40M

Gross Margin63.8%

Op. Margin42.6%

Net Margin31.9%

FCF Margin-12.0%

P/S Ratio (TTM)1.7x

P/E Ratio (TTM)5.3x

YoY Rev Growth+13.1%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$90M	$47M	$34M
Q2 23	$74M	$34M	$22M
Q3 23	$53M	$29M	$18M
Q4 23	$58M	$31M	$20M
Q1 24	$67M	$43M	$31M
Q2 24	$69M	$39M	$25M
Q3 24	$82M	$49M	$37M
Q4 24	$79M	$23M	$9M
Q1 25	$72M	$37M	$26M
Q2 25	$86M	$46M	$38M
Q3 25	$90M	$54M	$42M
Q4 25	$86M	$76M	$37M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	1.7x	—
Q2 23	1.6x	—
Q3 23	1.7x	—
Q4 23	2.1x	1.8x
Q1 24	2.3x	8.5x
Q2 24	2.3x	8.4x
Q3 24	2.1x	6.7x
Q4 24	1.9x	7.5x
Q1 25	1.9x	7.7x
Q2 25	1.8x	7.0x
Q3 25	1.7x	6.6x
Q4 25	1.7x	5.3x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	-$104M	-$104M
Q2 23	-$129M	-$129M
Q3 23	$48M	$48M
Q4 23	$49M	$49M
Q1 24	$124M	$124M
Q2 24	$126M	$126M
Q3 24	-$9M	-$9M
Q4 24	$2M	$2M
Q1 25	$26M	$26M
Q2 25	$128M	$128M
Q3 25	-$36M	-$36M
Q4 25	-$129M	-$159M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$154K
Q2 23	$119K
Q3 23	$77K
Q4 23	$0
Q1 24	$0
Q2 24	$0
Q3 24	$11K
Q4 24	$11K
Q1 25	$96K
Q2 25	$0
Q3 25	$0
Q4 25	$30M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+54.6%	-5.0%
Q2 23	+15.1%	-1.1%
Q3 23	-27.8%	-65.6%
Q4 23	-48.7%	-90.6%
Q1 24	-26.4%	-37.8%
Q2 24	-6.6%	-14.3%
Q3 24	+56.4%	+32.3%
Q4 24	+35.8%	+81.6%
Q1 25	+8.4%	+30.6%
Q2 25	+25.7%	+11.4%
Q3 25	+9.9%	+5.0%
Q4 25	+9.3%	-29.1%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$335K	0.4%
Q2 23	$170K	0.2%
Q3 23	$410K	0.8%
Q4 23	$403K	0.7%
Q1 24	$428K	0.6%
Q2 24	$780K	1.1%
Q3 24	$695K	0.8%
Q4 24	$642K	0.8%
Q1 25	$733K	1.0%
Q2 25	$0	0.0%
Q3 25	$1M	1.2%
Q4 25	$89M	102.9%

OpEx Breakdown

Quarter	G&A
Q1 23	$9M
Q2 23	$6M
Q3 23	$6M
Q4 23	$8M
Q1 24	$7M
Q2 24	$9M
Q3 24	$8M
Q4 24	$10M
Q1 25	$6M
Q2 25	$5M
Q3 25	$8M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$93M	$211M	$303M
Q2 23	$28M	$73M	$101M
Q3 23	$111M	$70M	$181M
Q4 23	$139M	$138M	$277M
Q1 24	$285M	$73M	$359M
Q2 24	$229M	$91M	$320M
Q3 24	$183M	$146M	$329M
Q4 24	$137M	$148M	$285M
Q1 25	$167M	$166M	$333M
Q2 25	$315M	$121M	$437M
Q3 25	$268M	$115M	$383M
Q4 25	$293M	$943M	$1.2B

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	44M	+1.1%
Q2 23	44M	+0.5%
Q3 23	44M	+0.8%
Q4 23	46M	+3.6%
Q1 24	49M	+7.1%
Q2 24	49M	+0.9%
Q3 24	50M	+0.2%
Q4 24	49M	-0.2%
Q1 25	50M	+0.2%
Q2 25	50M	+0.1%
Q3 25	50M	+0.6%
Q4 25	50M	+0.0%