American Coastal Insurance Corporation (ACIC) Balance Sheet
ACIC balance sheet, 2025
December 31, 2025 · U.S. dollars$1.07B assets = $755.2M liabilities + $317.6M equity
Both columns are drawn to the same scale: what ACIC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
ACIC financial health
Descriptive bands, not a rating. Fiscal 2025.
ACIC balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $994.3M2016 | $1.07B2025 | +0.8%/yr | |
| Total liabilities | $753.0M2016 | $755.2M2025 | +0.0%/yr | |
| Shareholders’ equity | $241.3M2016 | $317.6M2025 | +3.1%/yr | |
| Cash & short-term investments | $679.3M2016 | $311.8M2025 | −8.3%/yr | |
| Total debt | $64.1M2016 | $152.5M2025 | +10.1%/yr | |
| Net cash (debt) | $615.2M2016 | $159.3M2025 | −$455.9M | |
| Working capital | $642.4M2016 | $128.5M2025 | −$513.9M | |
| Book value per share | $11.172016 | $6.382025 | −6.0%/yr | |
| Debt / equity | 0.272016 | 0.482025 | +0.21 | |
| Shares outstanding | 21.6M2016 | 49.8M2025 | +9.7%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
ACIC assets
ACIC liabilities and equity
ACIC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
ACIC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $311.8M | $285.0M | $334.5M | $606.4M | $875.6M | $1.18B | $1.10B | $975.0M | $276.3M | $679.3M |
| Cash & equivalents | $198.8M | $137.0M | $138.9M | $229.9M | $212.0M | $239.4M | $215.5M | $112.7M | $139.2M | $150.7M |
| Short-term investments | $113.0M | $148.0M | $7.2M | $376.5M | $663.6M | $940.0M | $884.9M | $862.3M | $137.1M | $528.6M |
| Receivables | $207.8M | $310.0M | $386.7M | $1.72B | $1.08B | $908.5M | $636.7M | $721.8M | $471.0M | $62.9M |
| Inventory | $0 | $0 | −$722.8M | −$394.0M | −$364.5M | −$1.59B | −$476.4M | −$359.0M | −$423.9M | −$230.3M |
| Other current assets | $203.8M | $0 | $155.4M | $394.0M | $364.5M | $0 | $476.4M | $359.0M | $423.9M | $230.3M |
| Total current assets | $723.4M | $355.0M | $153.8M | $2.32B | $1.95B | $1.4M | $1.74B | $1.70B | $747.3M | $742.2M |
| Property, plant & equipment (net) | $723,000 | $5.7M | $4.2M | $19.6M | $31.6M | $34.2M | $32.7M | $17.1M | $17.3M | $17.9M |
| Goodwill & intangible assets | $100.8M | $65.4M | $68.0M | $72.2M | $91.4M | $95.0M | $99.1M | $104.4M | $118.3M | $92.1M |
| Long-term investments | $342.1M | $317.8M | $180.7M | $415.5M | $701.6M | $999.7M | $1.02B | $957.9M | $860.1M | $532.4M |
| Other non-current assets | $0 | $472.2M | $653.7M | $7.3M | $0 | $1.72B | $0 | $0 | $316.9M | $0 |
| Total assets | $1.07B | $1.22B | $1.06B | $2.84B | $2.70B | $2.85B | $2.47B | $2.32B | $2.06B | $994.3M |
| Liabilities | ||||||||||
| Accounts payable | $179.6M | $169.3M | $75.6M | $134.4M | $324.9M | $332.8M | $244.7M | $246.3M | $195.7M | $99.9M |
| Short-term debt | $398,000 | $337,000 | $597,000 | $2.1M | $2.2M | $2.2M | $11.3M | $1.5M | $1.2M | $10.0M |
| Deferred revenue | $249.6M | — | −$597,000 | $132.3M | $322.7M | −$2.2M | $233.4M | $244.8M | $194.5M | $89.9M |
| Total current liabilities | $594.9M | $71.1M | $75.6M | $134.4M | $324.9M | $10,991 | $244.7M | $246.3M | $195.7M | $99.9M |
| Long-term debt | $149.4M | $149.0M | $148.7M | $152.5M | $156.6M | $158.0M | $158.9M | $160.1M | $161.4M | $54.2M |
| Lease obligations | $3.1M | $3.3M | $776,000 | $1.7M | $1.9M | $2.3M | $324,000 | — | — | — |
| Other long-term liabilities | $10.9M | $28.5M | $225.2M | $1.7M | $1.9M | $2.3M | $324,000 | $0 | $0 | $0 |
| Total liabilities | $755.2M | $980.5M | $891.6M | $3.02B | $2.37B | $2.43B | $1.94B | $1.78B | $1.52B | $753.0M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $5,000 | $5,000 | $5,000 | $4,000 | $4,000 | $4,000 | $4,000 | $4,000 | $387.1M | $99.4M |
| Retained earnings (deficit) | −$114.5M | −$184.8M | −$237.4M | −$544.4M | −$74.9M | −$6.6M | $100.4M | $140.5M | $141.2M | $141.6M |
| Treasury stock | — | — | — | −$431,000 | −$431,000 | −$431,000 | −$431,000 | −$431,000 | −$431,000 | −$431,000 |
| Accumulated other comprehensive income | −$7.2M | −$15.7M | −$17.1M | −$30.9M | −$6.5M | $9.7M | $11.3M | −$9.0M | $9.2M | $822,000 |
| Minority interest | — | $0 | $0 | $0 | $19.6M | $21.8M | $20.7M | $20.1M | $0 | $0 |
| Total shareholders' equity | $317.6M | $235.7M | $168.8M | −$180.2M | $332.0M | $395.8M | $523.9M | $540.4M | $537.1M | $241.3M |
| Key figures | ||||||||||
| Total debt | $152.5M | $152.3M | $149.5M | $154.6M | $158.7M | $160.4M | $170.3M | $161.6M | $162.5M | $64.1M |
| Net cash (debt) | $159.3M | $132.7M | $185.0M | $451.8M | $716.9M | $1.02B | $930.1M | $813.4M | $113.7M | $615.2M |
| Working capital | $128.5M | $283.9M | $78.2M | $2.19B | $1.63B | $1.4M | $1.49B | $1.45B | $551.6M | $642.4M |
| Tangible book value | $216.8M | $170.3M | $100.7M | −$252.4M | $240.5M | $300.8M | $424.7M | $436.0M | $418.8M | $149.2M |
| Book value per share | $6.38 | $4.77 | $3.80 | −$4.19 | $7.73 | $9.23 | $12.25 | $12.61 | $14.37 | $11.17 |
| Shares outstanding | 49.8M | 49.4M | 44.4M | 43.1M | 42.9M | 42.9M | 42.8M | 42.8M | 37.4M | 21.6M |
| Current ratio | 1.22 | 4.99 | 2.03 | 17.30 | 6.01 | 126.46 | 7.10 | 6.89 | 3.82 | 7.43 |
| Quick ratio | 0.87 | 8.37 | 9.54 | 17.30 | 6.01 | 189,966.88 | 7.10 | 6.89 | 3.82 | 7.43 |
| Debt / equity | 0.48 | 0.65 | 0.89 | — | 0.48 | 0.41 | 0.33 | 0.30 | 0.30 | 0.27 |
| Equity / assets | 29.6% | 19.4% | 15.9% | −6.3% | 12.3% | 13.9% | 21.2% | 23.3% | 26.1% | 24.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $328.0M | $229.9M | $311.8M | $383.0M | $436.6M | $332.8M | $285.0M | $329.4M | $320.2M | $358.8M | $277.3M | $180.7M |
| Cash & equivalents | $218.9M | $117.0M | $198.8M | $267.9M | $315.5M | $167.2M | $137.0M | $183.1M | $229.4M | $285.4M | $138.9M | $111.1M |
| Short-term investments | $109.1M | $112.9M | $113.0M | $115.1M | $121.1M | $165.6M | $148.0M | $146.3M | $90.7M | $73.4M | $138.4M | $69.7M |
| Receivables | $246.8M | $197.9M | $207.8M | $180.6M | $226.5M | $267.1M | $310.0M | $165.7M | $259.3M | $311.1M | $386.7M | $470.8M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$579.5M | −$669.9M | −$722.8M | −$161.8M |
| Other current assets | $323.0M | $212.7M | $203.8M | $0 | $348.5M | $187.0M | $263.4M | $27.9M | $368.6M | $374.5M | $287.2M | $246.0M |
| Total current assets | $897.9M | $640.5M | $723.4M | $363.3M | $1.01B | $786.9M | $858.4M | $523.0M | $368.6M | $374.5M | $228.4M | $735.7M |
| Property, plant & equipment (net) | $869,000 | $691,000 | $723,000 | $2.8M | $3.7M | $4.8M | $5.7M | $7.3M | $9.1M | $10.4M | $3.7M | $3.9M |
| Goodwill & intangible assets | $116.4M | $102.3M | $100.8M | $63.6M | $122.2M | $111.1M | $65.4M | $66.0M | $66.6M | $68.0M | $68.0M | $69.6M |
| Long-term investments | $318.8M | $346.6M | $342.1M | $323.1M | $289.4M | $335.8M | $317.8M | $304.3M | $279.9M | $184.5M | $180.7M | $153.9M |
| Other non-current assets | $0 | $0 | $0 | $426.1M | $0 | $0 | $0 | $243.3M | $587.1M | $439.9M | $581.6M | $186.6M |
| Total assets | $1.24B | $997.0M | $1.07B | $1.18B | $1.35B | $1.16B | $1.22B | $1.14B | $1.31B | $1.08B | $1.06B | $1.15B |
| Liabilities | ||||||||||||
| Accounts payable | $283.6M | $122.9M | $179.6M | $208.0M | $292.2M | $119.6M | $169.3M | $198.1M | $302.0M | $120.1M | $74.8M | $88.7M |
| Short-term debt | — | — | — | — | $203,000 | — | $3.7M | $3.6M | $22,000 | $59,000 | $597,000 | $183,000 |
| Deferred revenue | $335.5M | $257.9M | $249.6M | $139.9M | $384.0M | $321.1M | — | — | — | — | −$597,000 | $88.6M |
| Total current liabilities | $738.0M | $507.8M | $594.9M | $689.7M | $895.4M | $697.0M | $71.1M | $86.7M | $231.5M | $60.9M | $75.6M | $88.7M |
| Long-term debt | $149.5M | $149.4M | $149.4M | $149.3M | $149.2M | $149.1M | $149.0M | $148.9M | $148.9M | $148.8M | $148.7M | $148.6M |
| Lease obligations | $3.0M | $3.1M | $3.1M | $3.2M | $3.2M | $3.3M | $3.3M | $23,000 | $67,000 | $105,000 | $776,000 | $941,000 |
| Other long-term liabilities | $15.5M | $8.1M | $10.9M | $12.6M | $9.9M | $52.6M | $28.5M | $735.4M | $240.5M | $268.8M | $670.1M | $941,000 |
| Total liabilities | $903.0M | $665.3M | $755.2M | $851.6M | $1.05B | $898.8M | $980.5M | $884.3M | $1.09B | $873.3M | $893.6M | $1.03B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $4,000 |
| Retained earnings (deficit) | −$73.4M | −$95.3M | −$114.5M | −$104.5M | −$137.0M | −$163.4M | −$184.8M | −$165.6M | −$193.7M | −$213.8M | −$237.4M | −$251.7M |
| Accumulated other comprehensive income | −$8.5M | −$8.5M | −$7.2M | −$8.4M | −$9.8M | −$12.8M | −$15.7M | −$11.6M | −$19.1M | −$17.3M | −$17.1M | −$23.8M |
| Total shareholders' equity | $340.8M | $331.7M | $317.6M | $327.2M | $292.3M | $260.9M | $235.7M | $259.6M | $223.1M | $204.0M | $168.8M | $120.6M |
| Key figures | ||||||||||||
| Total debt | $152.5M | $152.5M | $152.5M | $152.5M | $152.4M | $152.4M | $152.3M | $149.0M | $148.9M | $148.9M | $149.4M | $149.5M |
| Net cash (debt) | $175.5M | $77.4M | $159.3M | $230.5M | $284.2M | $180.4M | $132.7M | $180.5M | $171.2M | $209.9M | $127.9M | $31.2M |
| Working capital | $159.9M | $132.7M | $128.5M | −$326.4M | $116.1M | $89.9M | $787.3M | $436.3M | $137.0M | $313.6M | $152.8M | $647.0M |
| Tangible book value | $224.4M | $229.4M | $216.8M | $263.7M | $170.1M | $149.8M | $170.3M | $193.6M | $156.5M | $136.0M | $100.7M | $51.0M |
| Book value per share | $6.91 | $6.66 | $6.36 | $6.56 | $5.89 | $5.26 | $4.77 | $5.24 | $4.52 | $4.17 | $3.69 | $2.73 |
| Shares outstanding | 49.3M | 49.8M | 49.9M | 49.9M | 49.6M | 49.6M | 49.4M | 49.5M | 49.4M | 49.0M | 45.7M | 44.1M |
| Current ratio | 1.22 | 1.26 | 1.22 | 0.53 | 1.13 | 1.13 | 12.07 | 6.03 | 1.59 | 6.15 | 3.02 | 8.29 |
| Quick ratio | 0.78 | 0.84 | 0.87 | 0.82 | 0.74 | 0.86 | 8.37 | 5.71 | 2.50 | 11.00 | 8.78 | 7.34 |
| Debt / equity | 0.45 | 0.46 | 0.48 | 0.47 | 0.52 | 0.58 | 0.65 | 0.57 | 0.67 | 0.73 | 0.89 | 1.24 |
| Equity / assets | 27.4% | 33.3% | 29.6% | 27.8% | 21.7% | 22.5% | 19.4% | 22.7% | 17.0% | 18.9% | 15.9% | 10.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 2, 2026); data from EODHD.
ACIC financial position
At the end of fiscal 2025 (December 31, 2025), American Coastal Insurance had total assets of $1.1 billion (down 11.8% from a year earlier), total liabilities of $755.2 million and shareholders' equity of $317.6 million. It held $311.8 million in cash and short-term investments against $152.5 million of debt, a net cash position of $159.3 million. Its current ratio was 1.22. In the latest quarter (ended June 30, 2026) total assets were $1.2 billion and equity $340.8 million.
Related: ACIC income statement, ACIC cash flow statement, ACIC key metrics. See the ACIC stock overview for the latest quote and news.
ACIC balance sheet FAQ
What are American Coastal Insurance's total assets?
American Coastal Insurance reported total assets of $1.1 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.2 billion a year earlier.
How much debt does American Coastal Insurance have?
American Coastal Insurance had $152.5 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.48.
How much cash does American Coastal Insurance have?
American Coastal Insurance held $311.8 million in cash and short-term investments at the end of fiscal 2025; with $152.5 million of debt that is net cash of $159.3 million.
What is American Coastal Insurance's book value?
American Coastal Insurance's shareholders' equity (book value) was $317.6 million at the end of fiscal 2025, or $6.38 per share.
What is American Coastal Insurance's current ratio?
American Coastal Insurance had current assets of $723.4 million and current liabilities of $594.9 million, a current ratio of 1.22 (it can cover its short-term obligations).
How much goodwill does American Coastal Insurance have?
American Coastal Insurance carried $100.8 million of goodwill and intangible assets, 9.4% of total assets, at the end of fiscal 2025.