ACIC - American Coastal Insurance Corporation
Price:
--
--
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CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$1.90
DETAILS
HIGH:
$1.90
LOW:
$1.90
MEDIAN:
$1.90
CONSENSUS:
$1.90
DOWNSIDE:
82.41%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||
| Revenue | 335.4 | 296.7 | 263.7 | 220.8 | 228.7 | 846.7 | 825.1 | 723.9 | 654.4 | 487.1 | 357.6 | 280.2 | 208.1 | 131.2 | 96.4 | 80.0 | 88.5 | 101.1 | 112.6 | 82.5 | 80.6 |
| Cost of Revenue | 46.0 | 140.3 | 122.1 | 177.1 | 182.2 | 844.3 | 737.8 | 611.7 | 541.0 | 416.0 | 270.5 | 183.7 | 149.5 | 95.3 | 67.9 | 67.4 | 64.2 | 17.6 | 17.0 | 82.5 | 80.6 |
| Gross Profit | 289.4 | 156.3 | 141.6 | 43.7 | 46.4 | 2.3 | 87.4 | 112.2 | 113.4 | 71.1 | 87.1 | 96.5 | 58.6 | 35.9 | 28.5 | 12.6 | 24.2 | 83.4 | 95.6 | 0 | 0 |
| Operating Expenses | |||||||||||||||||||||
| R&D Expenses | 0 | 357.7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 0 | 37.0 | 31.8 | 32 | 31.4 | 72.1 | 66.0 | 66.1 | 81.8 | 43.0 | 29.9 | 20.0 | 14.6 | 11.7 | 9.7 | 7.5 | 7.0 | 35.1 | 30.5 | 3.6 | 3.1 |
| Other Expenses | 146.7 | (349.9) | 13.7 | 10.0 | 25.4 | 62.4 | 54.0 | 50.3 | 30.8 | 21.1 | 15.3 | 12.1 | 9.6 | 8.5 | 5.8 | 6.5 | 10.9 | 6.7 | 17.1 | 25.3 | 16.9 |
| Operating Expenses | 146.7 | 44.8 | 45.5 | 42.0 | 56.9 | 134.4 | 120.0 | 116.5 | 112.5 | 64.1 | 45.2 | 32.1 | 24.1 | 20.2 | 15.5 | 14.0 | 17.9 | 41.8 | 47.6 | 28.9 | 20.1 |
| Operating Income | |||||||||||||||||||||
| Operating Income | 142.7 | 111.6 | 96.1 | 1.7 | (10.4) | (132.1) | (32.6) | (4.2) | 0.9 | 7.0 | 41.9 | 64.4 | 34.5 | 15.7 | 13.0 | (1.4) | 6.3 | 41.6 | 47.9 | 18.2 | (1.1) |
| Interest Expense | 10.8 | 12.0 | 10.9 | 9.5 | 9.3 | 9.6 | 9.8 | 9.9 | 3.2 | 0.7 | 0.3 | 0.4 | 0.4 | 0.4 | 0.5 | 1.8 | 3.2 | 2.8 | 6.1 | 5.0 | 0.3 |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profitability | |||||||||||||||||||||
| EBITDA | 174.1 | 122.5 | 117.6 | 34.5 | 10.7 | (111.5) | (10.8) | 24.1 | 41.7 | 19.4 | 45.5 | 65.6 | 35.6 | 16.8 | 14.3 | 1.5 | 10.7 | 45.2 | 54.7 | 18.3 | (1.1) |
| EBIT | 153.5 | 113.7 | 107.0 | 11.2 | (1.1) | (122.5) | (22.8) | 5.6 | 4.2 | 7.7 | 42.2 | 64.8 | 34.9 | 16.1 | 13.6 | 0.4 | 9.5 | 44.4 | 54.0 | 18.2 | (1.1) |
| Income Before Tax | 142.7 | 101.7 | 96.1 | 1.7 | (10.4) | (132.1) | (32.6) | (4.2) | 0.9 | 7.0 | 41.9 | 64.4 | 34.5 | 15.7 | 13.0 | (1.4) | 6.3 | 41.6 | 47.9 | 13.2 | (1.4) |
| Income Tax Expense | 35.9 | 25.3 | 10.9 | 26.2 | (6.7) | (36.6) | (3.1) | (4.6) | (9.2) | 1.3 | 14.5 | 23.4 | 14.1 | 6.0 | 4.9 | (0.5) | 2.3 | 8.2 | 8.3 | (4.0) | (2.6) |
| Net Income | 106.8 | 75.7 | 309.9 | (469.9) | (57.9) | (96.5) | (29.9) | 0.3 | 10.1 | 5.7 | 27.4 | 41.0 | 20.3 | 9.7 | 8.1 | (0.9) | 4.1 | 33.4 | 39.6 | 17.2 | 1.2 |
| Per Share Data | |||||||||||||||||||||
| EPS (Basic) | 2.20 | 1.58 | 7.11 | -10.87 | -1.35 | -2.25 | -0.70 | 0.01 | 0.27 | 0.27 | 1.29 | 2.06 | 1.26 | 0.91 | 0.77 | -0.09 | 0.38 | 3.17 | 0.01 | 1.33 | 0.09 |
| EPS (Diluted) | 2.15 | 1.53 | 6.98 | -10.87 | -1.35 | -2.25 | -0.70 | 0.01 | 0.27 | 0.26 | 1.28 | 2.05 | 1.26 | 0.91 | 0.77 | -0.09 | 0.38 | 3.08 | 0.01 | 1.33 | 0.09 |
| Shares Outstanding | 48.5 | 47.8 | 43.6 | 43.1 | 42.9 | 42.9 | 42.8 | 42.7 | 37.2 | 21.4 | 21.2 | 19.9 | 16.1 | 10.6 | 10.4 | 10.6 | 10.6 | 10.5 | 10.5 | 12.9 | 12.9 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||||
| Cash & Cash Equivalents | 198.8 | 137.0 | 138.9 | 229.9 | 212.0 | 239.4 | 215.5 | 112.7 | 139.2 | 150.7 | 27.1 | 31.7 |
| Short-Term Investments | 113.0 | 148.0 | 7.2 | 376.5 | 663.6 | 940.0 | 884.9 | 862.3 | 137.1 | 528.6 | 0 | 0 |
| Net Receivables | 207.8 | 310.0 | 386.7 | 835.8 | 1,076.3 | 908.5 | 636.7 | 721.8 | 471.0 | 62.9 | 7.5 | 10.2 |
| Inventory | 0 | 0 | (722.8) | (394.0) | (364.5) | (1,586.9) | (476.4) | (359.0) | (423.9) | (230.3) | 0 | 0 |
| Other Current Assets | 94.1 | (755.9) | 0.1 | 1,276.5 | (66.1) | (884.2) | 476.4 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 723.4 | 0 | 153.8 | 2,324.7 | 1,951.9 | 1.4 | 1,737.0 | 1,696.8 | 747.3 | 742.2 | 36.2 | 41.9 |
| Non-Current Assets | ||||||||||||
| Property, Plant & Equipment | 0.7 | 5.7 | 4.2 | 19.6 | 31.6 | 34.2 | 32.7 | 17.1 | 17.3 | 17.9 | 0.3 | 0.3 |
| Goodwill | 59.5 | 59.5 | 59.5 | 59.5 | 73.0 | 73.0 | 73.0 | 73.0 | 73.0 | 14.3 | 0 | 0 |
| Intangible Assets | 41.3 | 5.9 | 8.5 | 12.8 | 18.4 | 21.9 | 26.1 | 31.4 | 45.3 | 12.4 | 1.2 | 1.2 |
| Long-Term Investments | 235.8 | 317.8 | 2.5 | 220.3 | 701.6 | 947.5 | 1,001.5 | 943.3 | 991.6 | 528.6 | 132.7 | 125.9 |
| Other Non-Current Assets | 12.0 | (388.9) | 251.7 | 173.2 | (43.8) | (35.4) | (47.7) | (37.1) | (36.8) | (26.0) | (134.2) | (127.4) |
| Total Non-Current Assets | 349.3 | 0 | 344.3 | 507.3 | 824.5 | 1,076.6 | 1,133.3 | 1,064.9 | 1,127.3 | 560.8 | 134.2 | 127.4 |
| Total Assets | 1,072.7 | 1,216.1 | 1,060.4 | 2,839.4 | 2,698.6 | 2,848.9 | 2,467.2 | 2,321.4 | 2,059.9 | 994.3 | 247.8 | 233.1 |
| Current Liabilities | ||||||||||||
| Account Payables | 179.6 | 169.3 | 75.6 | 104.9 | 324.9 | 332.8 | 244.7 | 246.3 | 195.7 | 99.9 | 28.2 | 27.4 |
| Short-Term Debt | 0 | 0 | 0 | 2.1 | 2.2 | 2.2 | 0 | 0 | 0 | 0 | 5.5 | 4.6 |
| Deferred Revenue | 249.6 | 0 | (0.6) | 132.3 | 322.7 | 0 | 233.4 | 244.8 | 194.5 | 89.9 | 0 | 0 |
| Other Current Liabilities | 165.7 | (169.3) | 0.6 | (104.9) | (324.9) | (335.0) | (233.4) | (246.3) | (195.7) | (99.9) | (33.7) | (33.4) |
| Total Current Liabilities | 594.9 | 0 | 75.6 | 134.4 | 324.9 | 0.0 | 244.7 | 246.3 | 195.7 | 99.9 | 33.7 | 21.3 |
| Non-Current Liabilities | ||||||||||||
| Long-Term Debt | 149.4 | 149.0 | 148.7 | 148.4 | 156.6 | 158.0 | 158.9 | 160.1 | 161.4 | 54.2 | 35.9 | 36.7 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 22.1 | 19.9 | (31.2) | (33.1) | (24.9) | (19.3) | (21.2) | 0 | 0 |
| Other Non-Current Liabilities | 7.7 | (152.3) | 224.4 | (150.0) | (158.5) | (160.4) | (159.3) | (160.1) | (161.4) | (54.2) | (35.9) | (36.7) |
| Total Non-Current Liabilities | 160.2 | 0 | 373.9 | 154.2 | 158.5 | 160.4 | 159.3 | 160.1 | 161.4 | 54.2 | 35.9 | 36.7 |
| Total Liabilities | 755.2 | 980.5 | 891.6 | 3,019.5 | 2,366.6 | 2,431.3 | 1,943.4 | 1,781.1 | 1,522.8 | 753.0 | 199.7 | 190.2 |
| Stockholders' Equity | ||||||||||||
| Common Stock | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Retained Earnings | (114.5) | (184.8) | (237.4) | (544.4) | (74.9) | (6.6) | 100.4 | 140.5 | 141.2 | 141.6 | 46.9 | 44.4 |
| Accumulated Other Comprehensive Income | (7.2) | (15.7) | (17.1) | (30.9) | (6.5) | 9.7 | 11.3 | (9.0) | 9.2 | 0.8 | 1.1 | (1.5) |
| Total Stockholders' Equity | 317.6 | 235.7 | 168.8 | (180.2) | 312.4 | 395.8 | 503.1 | 520.2 | 537.1 | 241.3 | 48.1 | 42.9 |
| Total Liabilities & Equity | 1,072.7 | 1,216.1 | 1,060.4 | 2,839.4 | 2,698.6 | 2,848.9 | 2,467.2 | 2,321.4 | 2,059.9 | 994.3 | 247.8 | 233.1 |
| Debt Metrics | ||||||||||||
| Total Debt | 152.5 | 152.3 | 149.5 | 150.0 | 158.5 | 160.4 | 159.3 | 160.1 | 161.4 | 54.2 | 41.4 | 41.3 |
| Net Debt | (46.3) | 15.3 | (4.3) | (75.7) | (53.5) | (79.1) | (56.2) | 47.4 | 22.2 | (96.5) | 14.3 | 9.6 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2005 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Net Income | 106.8 | 75.7 | 309.9 | (470.0) | (59.9) | (95.5) | (29.5) | 0.4 | 10.1 | 5.7 | 1.2 |
| Depreciation & Amortization | 6.6 | 8.9 | 10.6 | 23.3 | 11.8 | 11.0 | 12.0 | 18.5 | 37.5 | 11.7 | 0.0 |
| Stock-Based Compensation | 4.3 | 2.5 | 1.3 | 1.4 | 1.2 | 1.4 | 3.0 | 2.4 | 2.6 | 1.9 | 0 |
| Change in Working Capital | (54.9) | 160.6 | (238.2) | 210.0 | (218.8) | 112.8 | 187.9 | (21.7) | (32.9) | 41.0 | 0 |
| Other Non-Cash Items | (2.1) | (1.9) | (234.1) | 38.0 | (6.8) | (30.3) | (20.1) | 13.0 | 5.5 | 3.2 | 29.5 |
| Operating Cash Flow | 71.0 | 243.5 | (136.0) | (173.1) | (295.4) | (10.5) | 149.0 | 10.1 | 14.3 | 65.7 | 30.7 |
| Investing Activities | |||||||||||
| Capital Expenditure | (0.2) | (0.0) | (0.2) | (3.0) | (5.3) | (10.8) | (21.9) | (4.1) | (5.2) | (3.1) | (0.0) |
| Acquisitions | 4.5 | 0 | (232.0) | 21.2 | (256.6) | 500 | 12.1 | 0 | 95.3 | (32.9) | 0 |
| Purchases of Investments | (167.5) | (214.9) | (53.2) | (35.5) | (270.9) | (797.5) | (276.6) | (372.2) | (205.7) | (201.2) | (99.9) |
| Sales/Maturities of Investments | 163.8 | 35.7 | 282.8 | 254.1 | 527.6 | 844.9 | 264.5 | 250.6 | 128.3 | 187.5 | 56.7 |
| Other Investing Activities | 0 | 0 | 0 | 0 | 256.6 | (500) | (12.1) | (121.6) | (20) | (13.7) | (0.5) |
| Investing Cash Flow | 0.6 | (179.2) | (2.5) | 236.8 | 251.4 | 36.6 | (34.0) | (125.6) | (7.3) | (49.8) | (43.8) |
| Financing Activities | |||||||||||
| Net Debt Issuance | 0 | 0 | 0 | (4.4) | (1.8) | (1.2) | (1.5) | 14.1 | 109.9 | 33.8 | 7.8 |
| Stock Repurchased | 0 | 0 | (0.0) | (0.0) | (0.0) | (0.0) | (0.3) | (0.4) | (0.3) | (0.3) | 0 |
| Dividends Paid | 0 | (24.1) | 0 | (2.6) | (10.3) | (10.3) | (10.3) | (10.3) | (9.0) | (5.0) | 0 |
| Other Financing Activities | (1.9) | (1.4) | (0.0) | (18.3) | 0 | 0 | (0.3) | 19.5 | 17.7 | 21.1 | (0.3) |
| Financing Cash Flow | (1.1) | (13.8) | 26.8 | (25.4) | (12.2) | (11.7) | (12.1) | 23.4 | 118.6 | 49.9 | 7.5 |
| Cash Position | |||||||||||
| Net Change in Cash | 70.6 | 50.5 | (111.8) | 38.3 | (56.2) | 14.4 | 102.9 | (92.2) | 125.6 | 65.9 | 0 |
| Cash at Beginning | 222.3 | 171.8 | 283.6 | 245.3 | 301.5 | 287.1 | 184.1 | 276.3 | 150.7 | 84.8 | 0 |
| Cash at End | 292.9 | 222.3 | 171.8 | 283.6 | 245.3 | 301.5 | 287.1 | 184.1 | 276.3 | 150.7 | 0 |
| Free Cash Flow | 70.9 | 243.5 | (136.2) | (176.2) | (300.7) | (21.3) | 127.1 | 6.0 | 9.1 | 62.6 | 30.7 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||||||
| Revenue | 335.4 | 296.7 | 263.7 | 220.8 | 228.7 | 846.7 | 825.1 | 723.9 | 654.4 | 487.1 | 357.6 | 280.2 | 208.1 | 131.2 | 96.4 | 80.0 | 88.5 | 101.1 | 112.6 | 82.5 | 80.6 |
| Gross Profit | 289.4 | 156.3 | 141.6 | 43.7 | 46.4 | 2.3 | 87.4 | 112.2 | 113.4 | 71.1 | 87.1 | 96.5 | 58.6 | 35.9 | 28.5 | 12.6 | 24.2 | 83.4 | 95.6 | 0 | 0 |
| Operating Income | 142.7 | 111.6 | 96.1 | 1.7 | (10.4) | (132.1) | (32.6) | (4.2) | 0.9 | 7.0 | 41.9 | 64.4 | 34.5 | 15.7 | 13.0 | (1.4) | 6.3 | 41.6 | 47.9 | 18.2 | (1.1) |
| Net Income | 106.8 | 75.7 | 309.9 | (469.9) | (57.9) | (96.5) | (29.9) | 0.3 | 10.1 | 5.7 | 27.4 | 41.0 | 20.3 | 9.7 | 8.1 | (0.9) | 4.1 | 33.4 | 39.6 | 17.2 | 1.2 |
| EPS (Diluted) | 2.15 | 1.53 | 6.98 | -10.87 | -1.35 | -2.25 | -0.70 | 0.01 | 0.27 | 0.26 | 1.28 | 2.05 | 1.26 | 0.91 | 0.77 | -0.09 | 0.38 | 3.08 | 0.01 | 1.33 | 0.09 |
| Balance Sheet | |||||||||||||||||||||
| Cash & Equivalents | 198.8 | 137.0 | 138.9 | 229.9 | 212.0 | 239.4 | 215.5 | 112.7 | 139.2 | 150.7 | 27.1 | 31.7 | |||||||||
| Total Assets | 1,072.7 | 1,216.1 | 1,060.4 | 2,839.4 | 2,698.6 | 2,848.9 | 2,467.2 | 2,321.4 | 2,059.9 | 994.3 | 247.8 | 233.1 | |||||||||
| Total Debt | 152.5 | 152.3 | 149.5 | 150.0 | 158.5 | 160.4 | 159.3 | 160.1 | 161.4 | 54.2 | 41.4 | 41.3 | |||||||||
| Stockholders' Equity | 317.6 | 235.7 | 168.8 | (180.2) | 312.4 | 395.8 | 503.1 | 520.2 | 537.1 | 241.3 | 48.1 | 42.9 | |||||||||
| Cash Flow | |||||||||||||||||||||
| Operating Cash Flow | 71.0 | 243.5 | (136.0) | (173.1) | (295.4) | (10.5) | 149.0 | 10.1 | 14.3 | 65.7 | 30.7 | ||||||||||
| Capital Expenditure | (0.2) | (0.0) | (0.2) | (3.0) | (5.3) | (10.8) | (21.9) | (4.1) | (5.2) | (3.1) | (0.0) | ||||||||||
| Free Cash Flow | 70.9 | 243.5 | (136.2) | (176.2) | (300.7) | (21.3) | 127.1 | 6.0 | 9.1 | 62.6 | 30.7 | ||||||||||