American Coastal Insurance Corp
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condomi… Read more
American Coastal Insurance Corp (ACIC) - Net Assets
Latest net assets as of December 2025: $317.56 Million USD
Based on the latest financial reports, American Coastal Insurance Corp (ACIC) has net assets worth $317.56 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($834.83 Million) and total liabilities ($517.26 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $317.56 Million |
| % of Total Assets | 38.04% |
| Annual Growth Rate | 14.53% |
| 5-Year Change | -4.34% |
| 10-Year Change | 31.59% |
| Growth Volatility | 54.9 |
American Coastal Insurance Corp - Net Assets Trend (2006–2025)
This chart illustrates how American Coastal Insurance Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for American Coastal Insurance Corp (2006–2025)
The table below shows the annual net assets of American Coastal Insurance Corp from 2006 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $317.56 Million | +34.76% |
| 2024-12-31 | $235.66 Million | +39.64% |
| 2023-12-31 | $168.76 Million | +193.66% |
| 2022-12-31 | $-180.18 Million | -154.28% |
| 2021-12-31 | $331.96 Million | -20.51% |
| 2020-12-31 | $417.60 Million | -20.28% |
| 2019-12-31 | $523.87 Million | -3.05% |
| 2018-12-31 | $540.37 Million | +0.60% |
| 2017-12-31 | $537.12 Million | +122.57% |
| 2016-12-31 | $241.33 Million | +0.88% |
| 2015-12-31 | $239.21 Million | +17.40% |
| 2014-12-31 | $203.76 Million | +89.39% |
| 2013-12-31 | $107.59 Million | +22.28% |
| 2012-12-31 | $87.99 Million | +60.01% |
| 2011-12-31 | $54.99 Million | +21.41% |
| 2010-12-31 | $45.29 Million | -5.78% |
| 2009-12-31 | $48.07 Million | +11.98% |
| 2008-12-31 | $42.93 Million | +13.85% |
| 2007-12-31 | $37.70 Million | +56.36% |
| 2006-12-31 | $24.11 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to American Coastal Insurance Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 750.6% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $5.00K | 0.00% |
| Other Comprehensive Income | $-7.24 Million | -2.28% |
| Other Components | $439.31 Million | 138.34% |
| Total Equity | $317.56 Million | 100.00% |
American Coastal Insurance Corp Competitors by Market Cap
The table below lists competitors of American Coastal Insurance Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SFA Engineering Corporation
KQ:056190
|
$250.00 Million |
|
Fastighetsbolaget Emilshus AB Pfd
ST:EMIL-PREF
|
$250.06 Million |
|
FineMark Holdings Inc
OTCQX:FNBT
|
$250.09 Million |
|
Dalian Thermal Power Co Ltd
SHG:600719
|
$250.11 Million |
|
Sri Trang Gloves (Thailand) Public Company Limited
BK:STGT
|
$249.95 Million |
|
Simei Media Co Ltd
SHE:002712
|
$249.94 Million |
|
Heilongjiang Transport Development Co Ltd
SHG:601188
|
$249.94 Million |
|
Alpha HPA Limited
F:3AU
|
$249.91 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in American Coastal Insurance Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 235,660,000 to 317,565,000, a change of 81,905,000 (34.8%).
- Net income of 106,837,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 8,424,000.
- Other factors decreased equity by 33,356,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $106.84 Million | +33.64% |
| Other Comprehensive Income | $8.42 Million | +2.65% |
| Other Changes | $-33.36 Million | -10.5% |
| Total Change | $- | 34.76% |
Book Value vs Market Value Analysis
This analysis compares American Coastal Insurance Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.79x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 6.13x to 1.79x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-12-31 | $1.86 | $11.42 | x |
| 2007-12-31 | $2.12 | $11.42 | x |
| 2008-12-31 | $3.95 | $11.42 | x |
| 2009-12-31 | $4.55 | $11.42 | x |
| 2010-12-31 | $4.28 | $11.42 | x |
| 2011-12-31 | $5.27 | $11.42 | x |
| 2012-12-31 | $8.26 | $11.42 | x |
| 2013-12-31 | $6.65 | $11.42 | x |
| 2014-12-31 | $10.16 | $11.42 | x |
| 2015-12-31 | $11.15 | $11.42 | x |
| 2016-12-31 | $11.17 | $11.42 | x |
| 2017-12-31 | $14.37 | $11.42 | x |
| 2018-12-31 | $12.14 | $11.42 | x |
| 2019-12-31 | $11.77 | $11.42 | x |
| 2020-12-31 | $9.23 | $11.42 | x |
| 2021-12-31 | $7.27 | $11.42 | x |
| 2022-12-31 | $-4.19 | $11.42 | x |
| 2023-12-31 | $3.80 | $11.42 | x |
| 2024-12-31 | $4.77 | $11.42 | x |
| 2025-12-31 | $6.38 | $11.42 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently American Coastal Insurance Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 33.64%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 31.85%
- • Asset Turnover: 0.40x
- • Equity Multiplier: 2.63x
- Recent ROE (33.64%) is above the historical average (21.85%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | 71.36% | 20.87% | 0.30x | 11.49x | $14.80 Million |
| 2007 | 0.33% | 30.74% | 0.01x | 1.52x | $-2.41 Million |
| 2008 | 77.85% | 33.07% | 0.43x | 5.43x | $29.13 Million |
| 2009 | 8.44% | 4.59% | 0.36x | 5.15x | $-750.10K |
| 2010 | -2.04% | -1.16% | 0.37x | 4.72x | $-5.45 Million |
| 2011 | 14.71% | 8.39% | 0.40x | 4.37x | $2.59 Million |
| 2012 | 11.03% | 7.40% | 0.42x | 3.56x | $906.40K |
| 2013 | 18.91% | 9.78% | 0.47x | 4.10x | $9.58 Million |
| 2014 | 20.13% | 14.64% | 0.48x | 2.87x | $20.64 Million |
| 2015 | 11.44% | 7.65% | 0.48x | 3.09x | $3.44 Million |
| 2016 | 2.36% | 1.17% | 0.49x | 4.12x | $-18.43 Million |
| 2017 | 1.89% | 1.55% | 0.32x | 3.84x | $-43.57 Million |
| 2018 | 0.06% | 0.04% | 0.31x | 4.46x | $-51.73 Million |
| 2019 | -5.94% | -3.62% | 0.33x | 4.90x | $-80.19 Million |
| 2020 | -24.37% | -11.39% | 0.30x | 7.20x | $-136.03 Million |
| 2021 | -18.54% | -25.33% | 0.08x | 8.64x | $-89.16 Million |
| 2022 | 0.00% | -212.81% | 0.08x | 0.00x | $-451.84 Million |
| 2023 | 183.63% | 117.53% | 0.25x | 6.28x | $293.03 Million |
| 2024 | 32.13% | 25.52% | 0.24x | 5.16x | $52.15 Million |
| 2025 | 33.64% | 31.85% | 0.40x | 2.63x | $75.08 Million |
Industry Comparison
This section compares American Coastal Insurance Corp's net assets metrics with peer companies in the Insurance - Property & Casualty industry.
Industry Context
- Industry: Insurance - Property & Casualty
- Average net assets among peers: $4,381,756,556
- Average return on equity (ROE) among peers: 18.05%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| American Coastal Insurance Corp (ACIC) | $317.56 Million | 71.36% | 1.63x | $250.00 Million |
| American Financial Group Inc (AFG) | $1.95 Billion | -0.76% | 7.91x | $8.54 Billion |
| AmTrust Financial Services Inc Pref Series A (AFSIA) | $118.83 Million | 11.87% | 3.19x | $1.69 Billion |
| Aspen Insurance Holdings Limited (AHL) | $2.39 Billion | 15.82% | 1.78x | $14.67 Million |
| American Integrity Insurance Group, Inc. (AII) | $337.02 Million | 29.56% | 2.63x | $227.08 Million |
| Assurant Inc (AIZ) | $3.37 Billion | 2.66% | 6.24x | $10.74 Billion |
| The Allstate Corporation (ALL) | $30.61 Billion | 33.59% | 2.91x | $53.61 Billion |
| Admiral Group plc (AMIGF) | $68.95 Million | 44.87% | 4.47x | $10.33 Billion |
| Ategrity Specialty Insurance Company Holdings (ASIC) | $398.81 Million | 11.81% | 1.82x | $155.46 Million |
| Bowhead Specialty Holdings Inc. (BOW) | $192.08 Million | 13.04% | 4.35x | $707.67 Million |