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Mar 19, 2026·SEC
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American Coastal Insurance Corporation(ACIC)Earnings, Financials & Key Ratios
ACIC•NASDAQ•Insurance & Managed Care
4.9× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutAmerican Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.Show more
- Revenue$335M+13.1%
- Combined Ratio57.45%-7.9%
- Net Income$107M+41.1%
- Return on Equity38.62%+3.1%
- Medical Cost Ratio13.73%-71.0%
- Operating Margin42.55%+13.1%
- Net Margin31.85%+24.8%
- ROA9.34%+40.3%
- Equity / Assets29.6%+52.8%
ACIC Key Insights
American Coastal Insurance Corporation (ACIC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Profitable underwriting: 57.4% combined ratio
- ✓Excellent 3Y average ROE of 86.6%
- ✓Low loss ratio of 13.7%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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ACIC Price & Volume
American Coastal Insurance Corporation (ACIC) stock price & volume — 10-year historical chart
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ACIC Growth Metrics
American Coastal Insurance Corporation (ACIC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-0.64%
5 Years-16.9%
3 Years14.96%
TTM13.06%
Profit CAGR
10 Years14.59%
5 Years-
3 Years-
TTM41.1%
EPS CAGR
10 Years5.32%
5 Years-
3 Years-
TTM38.96%
Return on Capital
10 Years3.47%
5 Years8.13%
3 Years13.66%
Last Year25.98%
ACIC Recent Earnings
American Coastal Insurance Corporation (ACIC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$0.39-11.4%
$0.44
Rev
$149M-14.7%
$175M
Q1 2026
Feb 19, 2026Metric
Actual
Est
EPS
$0.51+21.4%
$0.42
Rev
$115M-18.6%
$141M
Q4 2025
Nov 5, 2025Metric
Actual
Est
EPS
$0.61+56.4%
$0.39
Rev
$90M+8.2%
$83M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$0.54+42.1%
$0.38
Rev
$86M-0.7%
$87M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $0.39vs $0.44-11.4% | $149Mvs $175M-14.7% |
| Q1 2026 | Feb 19, 2026 | $0.51vs $0.42+21.4% | $115Mvs $141M-18.6% |
| Q4 2025 | Nov 5, 2025 | $0.61vs $0.39+56.4% | $90Mvs $83M+8.2% |
| Q3 2025 | Aug 6, 2025 | $0.54vs $0.38+42.1% | $86Mvs $87M-0.7% |
Based on last 12 quarters of dataView full earnings history →
ACIC Peer Comparison
American Coastal Insurance Corporation (ACIC) competitors in Personal auto and homeowners insurers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HCI | 2.13B | 163.63 | 6.58 | 20.21% | 32.64% | 30.81% | 0.06 | |
 UPC | 1.66M | 2.95 | -0.00 | -22.44% | -30.33% | -27.02% | 0.16 | |
 HRTG | 706.24M | 23.27 | 3.68 | 3.71% | 25.99% | 43.68% | 0.20 | |
 ALL | 56.93B | 221.17 | 5.79 | 4.64% | 18.09% | 42.74% | 0.24 | |
 TRV | 66.56B | 307.81 | 11.22 | 5.17% | 12.88% | 19.12% | 0.28 | |
 CB | 126.2B | 323.40 | 12.57 | 6.47% | 17.25% | 13.62% | 0.28 | |
 HIG | 35.27B | 128.25 | 9.63 | 7.1% | 14.13% | 22.01% | 0.23 | |
 CINF | 26.5B | 170.20 | 11.22 | 11.41% | 21.34% | 17.98% | 0.06 |
Compare ACIC vs Peers
American Coastal Insurance Corporation (ACIC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ACIC Income Statement
American Coastal Insurance Corporation (ACIC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | 654.42M | 723.94M | 825.12M | 846.66M | 228.69M | 220.78M | 263.68M | 296.66M | 335.44M |
Revenue Growth % | 34.35% | 10.62% | 13.98% | 2.61% | -72.99% | -3.45% | 19.43% | 12.51% | 13.07% |
Medical Costs & Claims | 540.98M | 611.73M | 737.76M | 844.32M | 182.25M | 177.1M | 122.11M | 140.31M | 46.04M |
Medical Cost Ratio % | 82.67% | 84.5% | 89.41% | 99.72% | 79.69% | 80.22% | 46.31% | 47.3% | 13.73% |
Gross Profit | 113.44M▲ 0% | 112.21M▼ 1.1% | 87.36M▼ 22.2% | 2.34M▼ 97.3% | 46.44M▲ 1886.1% | 43.68M▼ 5.9% | 141.56M▲ 224.1% | 156.35M▲ 10.4% | 289.4M▲ 85.1% |
Gross Margin % | 17.33% | 15.5% | 10.59% | 0.28% | 20.31% | 19.78% | 53.69% | 52.7% | 86.27% |
Gross Profit Growth % | 59.54% | -1.08% | -22.15% | -97.32% | 1886.1% | -5.93% | 224.09% | 10.44% | 85.1% |
Operating Expenses | 112.53M | 116.45M | 119.96M | 134.44M | 56.85M | 42M | 45.48M | 44.76M | 146.66M |
OpEx / Revenue % | 17.2% | 16.09% | 14.54% | 15.88% | 24.86% | 19.02% | 17.25% | 15.09% | 43.72% |
Depreciation & Amortization | 37.53M | 18.48M | 12M | 11.05M | 11.77M | 23.31M | 10.63M | 8.87M | 20.6M |
Combined Ratio % | 99.86% | 100.59% | 103.95% | 115.6% | 104.56% | 99.24% | 63.56% | 62.38% | 57.45% |
Operating Income | 910K▲ 0% | -4.24M▼ 565.8% | -32.61M▼ 669.2% | -132.1M▼ 305.1% | -10.42M▲ 92.1% | 1.68M▲ 116.1% | 96.08M▲ 5615.6% | 111.59M▲ 16.1% | 142.73M▲ 27.9% |
Operating Margin % | 0.14% | -0.59% | -3.95% | -15.6% | -4.56% | 0.76% | 36.44% | 37.62% | 42.55% |
Operating Income Growth % | -87.01% | -565.82% | -669.19% | -305.15% | 92.11% | 116.14% | 5615.65% | 16.14% | 27.91% |
EBITDA | 38.44M | 14.24M | -20.61M | -121.06M | 1.35M | 24.99M | 106.71M | 120.46M | 163.33M |
EBITDA Margin % | 5.87% | 1.97% | -2.5% | -14.3% | 0.59% | 11.32% | 40.47% | 40.61% | 48.69% |
Interest Expense | 3.25M | 9.87M | 9.78M | 9.58M | 9.3M | 9.48M | 10.88M | 12M | 10.81M |
Non-Operating Income | -3.25M | -9.87M | -9.78M | -9.58M | -9.3M | -9.48M | -10.88M | -2.06M | -10.81M |
Pretax Income | 910K▲ 0% | -4.24M▼ 565.8% | -32.61M▼ 669.2% | -132.1M▼ 305.1% | -10.42M▲ 92.1% | 1.68M▲ 116.1% | 96.08M▲ 5615.6% | 101.66M▲ 5.8% | 142.73M▲ 40.4% |
Pretax Margin % | 0.14% | -0.59% | -3.95% | -15.6% | -4.56% | 0.76% | 36.44% | 34.27% | 42.55% |
Income Tax | -9.23M | -4.63M | -3.12M | -36.6M | -6.7M | 26.23M | 10.88M | 25.34M | 35.94M |
Effective Tax Rate % | -1014.84% | 109.29% | 9.57% | 27.71% | 64.31% | 1560.56% | 11.32% | 24.93% | 25.18% |
Net Income | 10.14M▲ 0% | 290K▼ 97.1% | -29.87M▼ 10400.7% | -96.45M▼ 222.9% | -57.92M▲ 40.0% | -469.86M▼ 711.2% | 309.91M▲ 166.0% | 75.72M▼ 75.6% | 106.84M▲ 41.1% |
Net Margin % | 1.55% | 0.04% | -3.62% | -11.39% | -25.33% | -212.81% | 117.53% | 25.52% | 31.85% |
Net Income Growth % | 78.04% | -97.14% | -10400.69% | -222.89% | 39.95% | -711.23% | 165.96% | -75.57% | 41.1% |
EPS (Diluted) | 0.27▲ 0% | 0.01▼ 97.5% | -0.70▼ 10394.1% | -2.25▼ 221.4% | -1.35▲ 40.0% | -10.87▼ 705.2% | 6.98▲ 164.2% | 1.53▼ 78.1% | 2.15▲ 40.5% |
EPS Growth % | 3.85% | -97.48% | - | -221.43% | 40% | -705.19% | 164.21% | -78.08% | 40.52% |
EPS (Basic) | 0.27 | 0.01 | -0.70 | -2.25 | -1.35 | -10.87 | 7.11 | 1.58 | 2.20 |
Diluted Shares Outstanding | 37.38M | 42.84M | 42.76M | 42.86M | 42.95M | 43.05M | 44.39M | 49.36M | 49.78M |
ACIC Balance Sheet
American Coastal Insurance Corporation (ACIC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Total Assets | 2.06B | 2.32B | 2.47B | 2.85B | 2.7B | 2.84B | 1.06B | 1.22B | 1.07B |
Asset Growth % | 107.18% | 12.7% | 6.28% | 15.47% | -5.28% | 5.22% | -62.65% | 14.69% | -11.79% |
Total Investment Assets | 991.65M | 951.84M | 1.89B | 1.89B | 1.37B | 596.8M | 9.68M | 341.42M | 348.89M |
Long-Term Investments | 991.65M | 943.32M | 1B | 947.46M | 701.56M | 220.34M | 2.48M | 317.8M | 235.84M |
Short-Term Investments | 137.12M | 862.35M | 884.86M | 940.01M | 663.6M | 376.46M | 7.19M | 148.01M | 113.05M |
Total Current Assets | 747.32M | 1.7B | 1.74B | 1.39M | 1.95B | 2.32B | 153.76M | 0 | 723.41M |
Cash & Equivalents | 139.16M | 112.68M | 215.47M | 239.42M | 212.02M | 229.89M | 138.93M | 137.04M | 198.76M |
Receivables | 471.05M | 721.81M | 636.7M | 908.5M | 1.08B | 835.85M | 386.74M | 309.98M | 207.81M |
Other Current Assets | 0 | 0 | 476.42M | -884.22M | -66.09M | 1.28B | 93K | -755.92M | 94.09M |
Goodwill & Intangibles | 118.32M | 104.4M | 99.12M | 94.97M | 91.42M | 72.25M | 68.02M | 65.38M | 100.76M |
Goodwill | 73.05M | 73.05M | 73.05M | 73.05M | 73.05M | 59.48M | 59.48M | 59.48M | 59.48M |
Intangible Assets | 45.27M | 31.35M | 26.08M | 21.93M | 18.38M | 12.77M | 8.55M | 5.91M | 41.29M |
PP&E (Net) | 17.29M | 17.14M | 32.73M | 34.19M | 31.56M | 19.59M | 4.22M | 5.74M | 723K |
Other Assets | -36.76M | -37.11M | -47.7M | -35.39M | -43.78M | 173.21M | 251.71M | -388.92M | 12M |
Total Liabilities | 1.52B | 1.78B | 1.94B | 2.43B | 2.37B | 3.02B | 891.62M | 980.45M | 755.17M |
Total Debt | 161.36M | 160.12M | 159.26M | 160.35M | 158.5M | 150.04M | 149.46M | 152.34M | 152.49M |
Net Debt | 22.2M | 47.44M | -56.21M | -79.07M | -53.53M | -75.73M | -4.3M | 15.31M | -46.27M |
Long-Term Debt | 161.36M | 160.12M | 158.93M | 158.04M | 156.56M | 148.35M | 148.69M | 149.02M | 149.35M |
Short-Term Debt | 0 | 0 | 0 | 2.16M | 2.17M | 2.1M | 0 | 0 | 0 |
Total Current Liabilities | 195.71M | 246.32M | 244.72M | 10.99K | 324.88M | 134.4M | 75.6M | 0 | 594.94M |
Accounts Payable | 195.71M | 246.32M | 244.72M | 332.81M | 324.88M | 104.89M | 75.6M | 169.27M | 179.62M |
Deferred Revenue | 194.54M | 244.8M | 233.38M | 0 | 322.71M | 132.29M | -597K | 0 | 249.62M |
Other Current Liabilities | -195.71M | -246.32M | -233.38M | -334.96M | -324.88M | -104.89M | 597K | -169.27M | 165.7M |
Deferred Taxes | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 0 | 0 | 0 |
Other Liabilities | -161.36M | -160.12M | -159.26M | -160.35M | -158.5M | -150.04M | 224.42M | -152.34M | 7.74M |
Total Equity | 537.13M▲ 0% | 540.37M▲ 0.6% | 523.87M▼ 3.1% | 417.6M▼ 20.3% | 331.96M▼ 20.5% | -180.18M▼ 154.3% | 168.76M▲ 193.7% | 235.66M▲ 39.6% | 317.56M▲ 34.8% |
Equity Growth % | 122.57% | 0.6% | -3.05% | -20.29% | -20.51% | -154.28% | 193.66% | 39.64% | 34.76% |
Shareholders Equity | 537.13M | 520.23M | 503.14M | 395.75M | 312.41M | -180.18M | 168.76M | 235.66M | 317.56M |
Minority Interest | 0 | 20.14M | 20.73M | 21.85M | 19.55M | 0 | 0 | 0 | 0 |
Retained Earnings | 141.19M | 140.55M | 100.39M | -6.63M | -74.9M | -544.44M | -237.39M | -184.77M | -114.51M |
Common Stock | 4K | 4K | 4K | 4K | 4K | 4K | 5K | 5K | 5K |
Accumulated OCI | 9.22M | -9.03M | 11.32M | 9.69M | -6.53M | -30.95M | -17.14M | -15.67M | -7.24M |
Return on Equity (ROE) | 2.61% | 0.05% | -5.61% | -20.49% | -15.45% | -619.15% | 183.63% | 37.44% | 38.62% |
Return on Assets (ROA) | 0.66% | 0.01% | -1.25% | -3.63% | -2.09% | -16.97% | 15.89% | 6.65% | 9.34% |
Equity / Assets | 26.08% | 23.28% | 21.23% | 14.66% | 12.3% | -6.35% | 15.92% | 19.38% | 29.6% |
Debt / Equity | 0.30x | 0.30x | 0.30x | 0.38x | 0.48x | - | 0.89x | 0.65x | 0.48x |
Book Value per Share | 14.37 | 12.61 | 12.25 | 9.74 | 7.73 | -4.19 | 3.80 | 4.77 | 6.38 |
Tangible BV per Share | 11.21 | 10.18 | 9.93 | 7.53 | 5.60 | -5.86 | 2.27 | 3.45 | 4.35 |
ACIC Cash Flow Statement
American Coastal Insurance Corporation (ACIC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 14.31M | 10.12M | 149.01M | -10.47M | -295.39M | -173.11M | -136M | 243.51M | 71.03M |
Operating CF Growth % | -78.24% | -29.29% | 1372.77% | -107.03% | -2721.04% | 41.4% | 21.44% | 279.05% | -70.83% |
Operating CF / Revenue % | 2.19% | 1.4% | 18.06% | -1.24% | -129.17% | -78.41% | -51.58% | 82.08% | 21.17% |
Net Income | 10.14M | 394K | -29.48M | -95.5M | -59.87M | -469.97M | 309.91M | 75.72M | 106.84M |
Depreciation & Amortization | 37.53M | 18.48M | 12M | 11.05M | 11.77M | 23.31M | 10.63M | 8.87M | 6.57M |
Stock-Based Compensation | 2.61M | 2.41M | 3.01M | 1.38M | 1.19M | 1.39M | 1.32M | 2.54M | 4.3M |
Deferred Taxes | -8.58M | -2.47M | -4.28M | -9.89M | -22.82M | 24.14M | 14.44M | -2.36M | 10.28M |
Other Non-Cash Items | 5.5M | 13.01M | -20.11M | -30.3M | -6.83M | 38.01M | -234.08M | -1.88M | -2.11M |
Working Capital Changes | -32.9M | -21.71M | 187.89M | 112.8M | -218.84M | 210M | -238.22M | 160.62M | -54.85M |
Cash from Investing | -7.34M | -125.64M | -33.98M | 36.57M | 251.38M | 236.84M | -2.54M | -179.21M | 620K |
Capital Expenditures | -5.24M | -4.07M | -21.9M | -10.85M | -5.27M | -3.05M | -196K | -22K | -155K |
Acquisitions | 95.28M | 0 | 12.08M | 500M | -256.65M | 21.24M | -231.95M | 0 | 4.5M |
Purchase of Investments | -205.72M | -372.17M | -276.58M | -797.45M | -270.91M | -35.47M | -53.24M | -214.94M | -167.54M |
Sale/Maturity of Investments | 128.33M | 250.6M | 264.5M | 844.86M | 527.56M | 254.11M | 282.85M | 35.75M | 163.82M |
Other Investing | -20M | -121.57M | -12.08M | -500M | 256.65M | 0 | 0 | 0 | 0 |
Cash from Financing | 118.62M | 23.37M | -12.1M | -11.65M | -12.21M | -25.39M | 26.77M | -13.84M | -1.08M |
Dividends Paid | -8.99M | -10.27M | -10.28M | -10.31M | -10.35M | -2.59M | 0 | -24.1M | 0 |
Share Repurchases | -287K | -418K | -296K | -25K | -39K | -25K | -24K | 0 | 0 |
Stock Issued | 0 | 0 | 296K | 25K | 39K | 25K | 26.79M | 11.62M | 774K |
Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 0 | 0 | 0 |
Other Financing | 17.69M | 19.52M | -296K | 0 | 0 | -18.34M | -24K | -1.36M | -1.85M |
Net Change in Cash | 125.59M▲ 0% | -92.16M▼ 173.4% | 102.94M▲ 211.7% | 14.44M▼ 86.0% | -56.22M▼ 489.3% | 38.33M▲ 168.2% | -111.78M▼ 391.6% | 50.46M▲ 145.1% | 70.56M▲ 39.8% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 150.69M | 276.27M | 184.12M | 287.06M | 301.5M | 245.28M | 283.61M | 171.83M | 222.29M |
Cash at End | 276.27M | 184.12M | 287.06M | 301.5M | 245.28M | 283.61M | 171.83M | 222.29M | 292.85M |
Free Cash Flow | 9.07M▲ 0% | 6.05M▼ 33.3% | 127.12M▲ 2001.1% | -21.32M▼ 116.8% | -300.66M▼ 1310.3% | -176.16M▲ 41.4% | -136.2M▲ 22.7% | 243.49M▲ 278.8% | 70.87M▼ 70.9% |
FCF Growth % | -85.51% | -33.31% | 2001.14% | -116.77% | -1310.3% | 41.41% | 22.68% | 278.77% | -70.89% |
FCF Margin % | 1.39% | 0.84% | 15.41% | -2.52% | -131.47% | -79.79% | -51.65% | 82.08% | 21.13% |
FCF per Share | 0.24 | 0.14 | 2.97 | -0.5 | -7 | -4.09 | -3.07 | 4.93 | 1.42 |
ACIC Key Ratios
American Coastal Insurance Corporation (ACIC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Combined Ratio | 98.56% | 99.86% | 100.59% | 103.95% | 115.6% | 104.56% | 99.24% | 63.56% | 62.38% | 57.45% |
Medical Cost Ratio | 85.4% | 82.67% | 84.5% | 89.41% | 99.72% | 79.69% | 80.22% | 46.31% | 47.3% | 13.73% |
Return on Equity (ROE) | 2.37% | 2.61% | 0.05% | -5.61% | -20.49% | -15.45% | -619.15% | 183.63% | 37.44% | 38.62% |
Return on Assets (ROA) | 0.66% | 0.66% | 0.01% | -1.25% | -3.63% | -2.09% | -16.97% | 15.89% | 6.65% | 9.34% |
Equity / Assets | 24.27% | 26.08% | 23.28% | 21.23% | 14.66% | 12.3% | -6.35% | 15.92% | 19.38% | 29.6% |
Book Value / Share | 11.17 | 14.37 | 12.61 | 12.25 | 9.74 | 7.73 | -4.19 | 3.8 | 4.77 | 6.38 |
Debt / Equity | 0.22x | 0.30x | 0.30x | 0.30x | 0.38x | 0.48x | - | 0.89x | 0.65x | 0.48x |
Revenue Growth | 36.23% | 34.35% | 10.62% | 13.98% | 2.61% | -72.99% | -3.45% | 19.43% | 12.51% | 13.07% |
Related:ACIC Dividend History·ACIC Revenue History·ACIC Price History·ACIC P/E History·ACIC Financial Ratios·ACIC Institutional Holders
ACIC SEC Filings & Documents
American Coastal Insurance Corporation (ACIC) SEC filings — annual & quarterly reports (10-K, 10-Q)
ACIC Frequently Asked Questions
American Coastal Insurance Corporation (ACIC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
American Coastal Insurance Corporation (ACIC) grew revenue by 13.1% over the past year. This is steady growth.
Yes, American Coastal Insurance Corporation (ACIC) is profitable, generating $106.8M in net income for fiscal year 2025 (31.8% net margin).
Dividend & Returns
American Coastal Insurance Corporation (ACIC) has a return on equity (ROE) of 38.6%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
American Coastal Insurance Corporation (ACIC) has a combined ratio of 57.4%. A ratio below 100% indicates underwriting profitability.