American Coastal Insurance Corporation (ACIC)

Nasdaq: ACIC · Fire, Marine & Casualty Insurance · Saint Petersburg, FL · filing with the SEC since 2007

Grade4.7

◀ Past 2.3● Present 5.9▶ Future 6.9

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 9, 2026	Mar 10, 2025	Mar 15, 2024	Apr 17, 2023	Mar 15, 2022	Mar 9, 2021	Mar 12, 2020	Mar 18, 2019	Mar 28, 2018	Mar 15, 2017
Revenue	335,439	296,657	264,400^r	221,673^r	228,685^r	846,656	825,116	723,942	654,420	487,117
For lenders
Provision for credit losses	·	·	·	·	-20	-121	·	·	·	·
For insurers
Premiums earned	306,852	273,990	262,060^r	222,929^r	221,129^r	765,663	752,400	689,276	585,490	456,931
Net investment income	22,540	21,060	8,484^r	6,463^r	6,506^r	25,489	31,229	27,201	17,812	10,679
Benefits, claims and losses	46,040	69,319	46,678	96,109	·	·	·	·	·	·
General and administrative	40,463	44,756	37,559^r	43,746^r	31,420^r	72,057	65,989	66,112	81,762	42,956
Total operating expenses	·	·	·	·	·	·	44,310	40,590	27,675	20,524
Total costs and expenses	195,162	197,061	170,548^r	230,334^r	239,231^r	978,833	857,841	728,297	653,663	480,214
Operating income	140,277	99,596	93,852^r	-8,661^r	-10,546^r	-132,177	-32,725	-4,355	757	6,903
Interest expense	10,815	11,996	10,875	9,483^r	9,303^r	9,582	9,781	9,866	3,247	723
Interest and investment income	22,206	20,795	8,300^r	6,043^r	5,901^r	24,125	30,145	26,170	17,126	10,092
Other income (expense), net	2,457	2,063	2,228^r	10,342^r	129^r	74	119	116	153	100
Income before income taxes	142,734	101,659	96,080	1,681^r	-10,417^r	-132,103	-32,606	-4,239	910	7,003
Income tax expense	35,939	25,340	10,876^r	26,233^r	-6,699^r	-36,605	-3,121	-4,633	-9,235	1,305
Income from continuing operations	106,795	76,319	85,204	-24,552^r	-3,718	·	·	·	·	·
Net income including non-controlling interests	·	75,718	309,911	-469,966	-59,868	-95,498	-29,485	394	10,145	5,698
Net income to non-controlling interests	·	·	0	-111	-1,949	956	387	104	0	0
Net income	106,837	75,718	309,911	-469,855	-57,919	-96,454	-29,872	290	10,145	5,698
Net income to common shareholders	·	·	·	·	·	·	·	·	10,145	5,698
Earnings per share, basic	2.20	1.59	7.11	-10.91	-1.35	-2.25	-0.70	0.01	0.27	0.27
Earnings per share, diluted	2.15	1.54	6.98	-10.91	-1.35	-2.25	-0.70	0.01	0.27	0.26
Weighted average shares, basic	48,476,824	47,831,412	43,596,432	43,052,070	42,948,850	42,864,166	42,763,423	42,650,629	37,152,768	21,417,486
Weighted average shares, diluted	49,782,993	49,362,985	44,388,804	43,052,070	42,948,850	42,864,166	42,763,423	42,838,886	37,375,340	21,614,443

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:Revenues

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLossesExpensed

Premiums earned insurance premiums earned in the periodus-gaap:PremiumsEarnedNet

Net investment income what its investments earnedus-gaap:NetInvestmentIncome

Benefits, claims and losses what it paid or set aside for claimsus-gaap:PolicyholderBenefitsAndClaimsIncurredNet

General and administrative the cost of running the company itselfus-gaap:GeneralAndAdministrativeExpense

Total operating expenses the running costs togetherus-gaap:OperatingExpenses

Total costs and expenses every operating cost, the cost of revenue includedus-gaap:CostsAndExpenses

Operating income profit from running the business, before interest and taxus-gaap:OperatingIncomeLoss

Interest expense what its borrowing costus-gaap:InterestExpense

Interest and investment income what its cash and investments earnedus-gaap:InvestmentIncomeNet

Other income (expense), net gains and costs outside the businessus-gaap:OtherNonoperatingIncomeExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Income from continuing operations profit from the businesses it keeps

us-gaap:IncomeLossFromContinuingOperations
us-gaap:IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income to non-controlling interests the share that belongs to minority holdersus-gaap:NetIncomeLossAttributableToNoncontrollingInterest

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton ACIC · research, not advice