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AMERICAN COASTAL INSURANCE Corp

ACIC · Financials · Insurer · FY2025 filings ·

Scored by the financial-sector model

28FY2025 filing
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AMERICAN COASTAL INSURANCE Corp is a insurer, scored by a separate financial-sector model — not the operating Moat Score you’ll see on other companies. A bank or insurer is a balance-sheet business the margin-and-ROIC lens doesn’t fit, so it’s read through the components below instead. The two models are calibrated differently and are not comparable: a financial-sector score is never ranked against, sorted with, or averaged into an operating Moat Score. How the models work.

Insider activity

Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”

These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.

The insider-filing service is temporarily unavailable, so no partial or guessed answer is shown for ACIC.

Flagship explainer

How American Coastal Insurance Corporation earns its spread

American Coastal Insurance Corporation's filing does not supply enough comparable lines for a truthful flow chart — here's what is filed:

Table alternative
Filed lineValue% of net interest incomeSource
Income before tax$143MUnavailable
Income tax$35.9MUnavailable
$107MUnavailable
Source: · event Dec 31, 2025 · retrieved Aug 3, 2026

Flagship explainer

What American Coastal Insurance Corporation owns — and owes

American Coastal Insurance Corporation's filing tags don't support a full breakdown — here's what is filed:

Table alternative
Filed lineValue% of assetsSource
Total assets$1.1B100%
Cash and equivalents$199M19%
Property, plant and equipment$7230000%
Goodwill$59.5M6%
Other intangible assets$3.5M0%
Operating lease right-of-use assets$3M0%
Total liabilities$755M70%
$150M14%
Stockholders’ equity$318M30%
Source: · event Dec 31, 2025 · retrieved Aug 3, 2026

Flagship explainer

What drives American Coastal Insurance Corporation’s return on equity?

ROE is five filed business factors multiplied together.

DuPont return on equity factor treeReturn on equity branches into tax burden, interest burden, operating margin, asset turnover, and the equity multiplier.Return on equity39%Tax burden75%net income ÷ pretax incomeInterest burden102%pretax ÷ operating incomeOperating margin42%operating income ÷ revenueAsset turnover0.29×revenue ÷ average assetsEquity multiplier4.14×average assets ÷ average equityAs of 2025-12-31 · 1 SEC filing sourceBuy Like Buffett · buylikebuffett.com
DuPont source inputs
InputValueFiscal yearSource
$107MFY2025
Income before tax$143MFY2025
Operating income$140MFY2025
$335MFY2025
Ending assets$1.1BFY2025
Beginning assets$1.2BFY2024
$318MFY2025
$236MFY2024
Source:
  • SEC filingFiling detailsAccession 0001401521-26-000015
· event Dec 31, 2025 · retrieved Aug 3, 2026
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Flagship explainer

Where American Coastal Insurance Corporation's cash went

American Coastal Insurance Corporation’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:

Table alternative
Filed lineValue% of cash from operationsSource
Cash from operations$71M100%
Depreciation and amortization$3.8M5%
Share-based compensation$4.3M6%
Change in accounts payable−$10.9M−15%
Cash from investing$6200001%
Cash from financing−$1.1M−2%
Source: · event Dec 31, 2025 · retrieved Aug 3, 2026

Curated 19-manager tier

Who reported holding American Coastal Insurance Corporation

Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.

0 holding0 exited0 not holding0/19 resolved19 not retrieved

Named manager positions and quarter-over-quarter changes
ManagerReported positionQuarter-over-quarterFiling accession
Abrams CapitalNot retrievedComparison not retrievedFiling not retrieved
Akre CapitalNot retrievedComparison not retrievedFiling not retrieved
Baupost GroupNot retrievedComparison not retrievedFiling not retrieved
Berkshire HathawayNot retrievedComparison not retrievedFiling not retrieved
Brave Warrior AdvisorsNot retrievedComparison not retrievedFiling not retrieved
Dodge & CoxNot retrievedComparison not retrievedFiling not retrieved
First EagleNot retrievedComparison not retrievedFiling not retrieved
FundsmithNot retrievedComparison not retrievedFiling not retrieved
Gardner Russo & QuinnNot retrievedComparison not retrievedFiling not retrieved
Gates Foundation TrustNot retrievedComparison not retrievedFiling not retrieved
Mairs & PowerNot retrievedComparison not retrievedFiling not retrieved
Markel / Markel-GaynerNot retrievedComparison not retrievedFiling not retrieved
Oakmark / Harris AssociatesNot retrievedComparison not retrievedFiling not retrieved
Pershing SquareNot retrievedComparison not retrievedFiling not retrieved
Polen CapitalNot retrievedComparison not retrievedFiling not retrieved
Sequoia / Ruane CunniffNot retrievedComparison not retrievedFiling not retrieved
Southeastern Asset ManagementNot retrievedComparison not retrievedFiling not retrieved
Tweedy, BrowneNot retrievedComparison not retrievedFiling not retrieved
Yacktman Asset ManagementNot retrievedComparison not retrievedFiling not retrieved

Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.

Source: Filing source not retrieved · event Jun 30, 2026 · retrieved Aug 3, 2026

Flagship explainer

What American Coastal Insurance Corporation insiders reported

We could not retrieve insider activity for this rendering; no zero-activity claim is shown.

Unavailable: Form 4 activity could not be retrieved for this rendering.

What the financial-sector model scores (insurer)

10

Median ROE 0.1% on average equity, above the 10% hurdle in 29% of 7 years.

94

Q3 scored 2 evidenced ratios equally.

12

Profitable in 60% of 10 years, ROE volatile.

39

Median loss ratio 61.5% of net earned premiums over 8 years through FY2023.

Not scored for this company

Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
Net interest economics apply to banks and lenders; not part of the carrier model.

Scored 4 of 5 applicable components (underwriting carrier model); weights renormalized over the scored set.

Fundamentals

The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.

Financial-sector score history

Reading
Aug 3, 202628
Jul 26, 202628
Jul 26, 202628

Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.

Scored from primary SEC filings via the public financial-sector methodology. Educational only — not a recommendation to buy or sell ACIC. See the disclaimer.