American Coastal Financials

ACIC Stock  USD 11.48  0.21  1.80%   
American Coastal Insurance may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, American Coastal's Other Current Liabilities is projected to decrease significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 103.1 M, whereas Short and Long Term Debt Total is forecasted to decline to about 94.9 M. Key indicators impacting American Coastal's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio9.8412.0731
Significantly Down
Pretty Stable
Investors should never underestimate American Coastal's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor American Coastal's cash flow, debt, and profitability to make informed and accurate decisions about investing in American Coastal Insurance.

Net Income

79.5 Million

  
Understanding current and past American Coastal Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of American Coastal's financial statements are interrelated, with each one affecting the others. For example, an increase in American Coastal's assets may result in an increase in income on the income statement.
Please note, the presentation of American Coastal's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, American Coastal's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of American Coastal's management manipulating its earnings.

American Coastal Stock Summary

American Coastal competes with FitLife Brands,, Western Asset, Ingredion Incorporated, Apartment Investment, and Old Republic. Atlas Crest Investment Corp. focuses on effecting a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, or similar business combination with one or more businesses in the leisure, gaming, and hospitality industries. The company was founded in 2020 and is based in New York, New York. Atlas Crest is traded on New York Stock Exchange in the United States.
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS9107101027
CUSIP910710102 34410L106 910710201
LocationFlorida; U.S.A
Business Address570 Carillon Parkway,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.amcoastal.com
Phone727 633 0851
CurrencyUSD - US Dollar

American Coastal Key Financial Ratios

American Coastal Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets2.8B2.7B2.8B1.1B1.0B1.3B
Other Current Liab(332.9M)(324.9M)(134.4M)(75.6M)56.5M59.3M
Other Liab461.8M124.3M153.8M238.2M273.9M140.0M
Net Debt(79.1M)(53.5M)(75.7M)(4.3M)15.3M16.1M
Retained Earnings(6.6M)(74.9M)(544.4M)(237.4M)(1.7B)(1.6B)
Accounts Payable332.8M324.9M134.4M75.6M14.6M13.9M
Cash239.4M212.0M229.9M153.8M137.0M123.1M
Other Assets1.8B(77.9M)7.3M562.3M646.7M679.0M
Long Term Debt158.0M156.6M152.5M148.7M149.0M91.5M
Total Liab2.4B2.4B3.0B891.6M248.6M236.2M
Total Current Assets1.4M2.0B2.3B153.8M858.4M737.7M
Net Receivables908.5M1.1B1.7B388.4M310.0M417.9M
Other Current Assets(499.6M)364.5M394.0M228.4M23.9M22.7M
Short Term Debt2.2M2.2M2.1M597K3.7M4.6M
Intangible Assets21.9M18.4M12.8M9.3M300K285K
Net Tangible Assets404.0M300.8M221.0M(254.3M)(292.4M)(277.8M)
Long Term Debt Total158.9M158.0M156.6M152.5M175.3M98.6M
Capital Surpluse391.9M393.1M394.3M395.6M455.0M245.9M
Inventory(1.6B)(364.5M)(394.0M)(722.8M)(650.6M)(618.0M)

American Coastal Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense9.6M9.4M9.6M10.9M12.0M12.6M
Total Revenue846.7M634.5M455.4M286.5M296.7M400.5M
Gross Profit846.7M634.5M455.4M286.5M329.5M404.9M
Operating Income(229.9K)(106.1M)(460.0M)246.8M(509.7M)(484.2M)
Ebit(122.5M)(1.1M)(6.0M)102.8M92.6M97.2M
Ebitda(111.8M)10.3M2.0M107.7M(509.7M)(484.2M)
Cost Of Revenue509.3M670.8M487.8M690.9M794.5M834.3M
Income Before Tax(131.3K)(83.9M)(442.6M)92.0M(536.6M)(509.8M)
Net Income(131.3K)(57.9M)(468.0M)309.9M75.7M79.5M
Income Tax Expense(36.6M)(24.0M)25.5M9.8M(200K)(190K)
Tax Provision(36.6M)(24.0M)25.5M8.1M25.3M26.6M
Minority Interest104K387K956K1.9M111K0.0
Net Interest Income(9.6M)(9.4M)(9.6M)(10.7M)(12.0M)(12.6M)

American Coastal Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash14.4M(56.2M)38.3M(111.8M)369.8M388.3M
Free Cash Flow(21.3M)(300.7M)(176.2M)(136.2M)(450.6M)(428.1M)
Dividends Paid10.3M10.4M2.6M0.024.1M25.3M
Capital Expenditures10.8M5.3M3.0M196K82M86.1M
Net Income(95.5M)(59.9M)(470.0M)309.9M(536.8M)(510.0M)
End Period Cash Flow301.5M245.3M283.6M171.8M841.3M883.4M
Change To Netincome(25.5M)22.1M(25.0M)35.0M40.3M42.3M
Depreciation11.0M11.8M23.3M10.6M11.7M10.3M
Other Non Cash Items(30.3M)(6.8M)38.0M(234.1M)47.7M50.1M
Investments695.3M274.2M225.5M167.6M(179.2M)(170.3M)
Change Receivables32.5M(384.7M)(212.4M)(423.2M)(380.9M)(361.9M)
Net Borrowings14.1M(1.5M)(1.2M)(4.4M)(5.1M)(4.9M)

American Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining American Coastal's current stock value. Our valuation model uses many indicators to compare American Coastal value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across American Coastal competition to find correlations between indicators driving American Coastal's intrinsic value. More Info.
American Coastal Insurance is number one stock in return on equity category among its peers. It also is number one stock in return on asset category among its peers reporting about  0.16  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for American Coastal Insurance is roughly  6.17 . At present, American Coastal's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the American Coastal's earnings, one of the primary drivers of an investment's value.

American Coastal Ins Systematic Risk

American Coastal's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. American Coastal volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on American Coastal Ins correlated with the market. If Beta is less than 0 American Coastal generally moves in the opposite direction as compared to the market. If American Coastal Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one American Coastal Ins is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of American Coastal is generally in the same direction as the market. If Beta > 1 American Coastal moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in American Coastal Stock are looking for potential investment opportunities by analyzing not only static indicators but also various American Coastal's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of American Coastal growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.11)

At present, American Coastal's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

American Coastal March 26, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of American Coastal help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of American Coastal Insurance. We use our internally-developed statistical techniques to arrive at the intrinsic value of American Coastal Insurance based on widely used predictive technical indicators. In general, we focus on analyzing American Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build American Coastal's daily price indicators and compare them against related drivers.

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When running American Coastal's price analysis, check to measure American Coastal's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy American Coastal is operating at the current time. Most of American Coastal's value examination focuses on studying past and present price action to predict the probability of American Coastal's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move American Coastal's price. Additionally, you may evaluate how the addition of American Coastal to your portfolios can decrease your overall portfolio volatility.
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