AMERICAN COASTAL INSURANCE Corp
ACICNasdaqFinancials · Fire, Marine & Casualty Insurance · DE · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $335.4M | $296.7M | $264.4M | $221.7M | $228.7M | $846.7M |
| Operating income | $140.3M | $99.6M | $93.9M | −$8.7M | −$10.5M | −$132.2M |
| Net income | $106.8M | $75.7M | $309.9M | −$469.9M | −$57.9M | −$96.5M |
| Total assets | $1.07B | $1.22B | $1.06B | $2.84B | $2.70B | $2.85B |
| Total liabilities | $755.2M | $980.5M | $893.6M | $3.02B | $2.37B | $2.43B |
| Equity | $317.6M | $235.7M | $168.8M | −$182.0M | $312.4M | $395.8M |
| EPS (diluted) | $2.15 | $1.54 | $6.98 | $-10.91 | $-1.35 | $-2.25 |
| Shares out. | 48.2M | 47.8M | 43.3M | 43.3M | 43.1M | 43.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- 41.8%
- Net margin
- 31.8%
- Return on equity
- 33.6%
- Return on assets
- 10.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 70.4%
- Debt / equity
- 2.38×
- Book value / share
- $6.58
- Revenue growth (YoY)
- 13.1%
- Net income growth (YoY)
- 41.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 3.3%clean
- Piotroski F-Score
- 6/8mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 5 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Operating margin is positive
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Aug 14, 2023
- NT 10-Q/Amissed a reporting deadline ↗Aug 14, 2023
- NT 10-Qmissed a reporting deadline ↗May 15, 2023
- NT 10-Kmissed a reporting deadline ↗Mar 31, 2023
- NT 10-Qmissed a reporting deadline ↗Nov 10, 2021
- NT 10-Kmissed a reporting deadline ↗Mar 16, 2018
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Peed DanielActivist (13D)Aug 11, 2025
- Peed Leah AnnebergPassive (13G)Aug 8, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 985,176 | 3.1 | +35.5% |
| Apr 30, 2026 | 726,913 | 5.0 | -1.4% |
| Apr 15, 2026 | 736,868 | 4.3 | +9.0% |
| Mar 31, 2026 | 676,023 | 4.9 | +8.8% |
| Mar 13, 2026 | 621,129 | 2.5 | +23.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 29, 2026
- Other material eventMay 15, 2026
- Results of operations · Regulation FD disclosureMay 5, 2026
- Director / officer changeFeb 20, 2026
- Results of operations · Regulation FD disclosureFeb 19, 2026
- Regulation FD disclosureJan 14, 2026
- Other material eventJan 7, 2026
- Regulation FD disclosureDec 1, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (3)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.