American Coastal Insurance vs American Integrity Insurance Group
American Coastal Insurance is the larger business, with $335m of revenue in fiscal 2025 against $276m for American Integrity Insurance Group (1.2 times as much). American Integrity Insurance Group grew faster (35.3% against 13.1%). American Integrity Insurance Group kept more of each dollar of sales as profit: a net margin of 36.0% against 31.8%. American Integrity Insurance Group carries less debt relative to equity (0.2% against 47.2%).
| Latest fiscal year | American Coastal InsuranceACIC, 2025 | American Integrity Insurance GroupAII, 2025 |
|---|---|---|
| Revenue | $335m | $276m |
| Revenue growth | 13.1% | 35.3% |
| Net income | $107m | $99.6m |
| Operating margin | 41.8% | — |
| Net margin | 31.8% | 36.0% |
| Return on equity | 38.6% | 39.9% |
| Free cash flow | $70.9m | $133m |
| Cash | $199m | $204m |
| Total debt | $150m | $618,000 |
| Debt to equity | 47.2% | 0.2% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | — | — |
| Employees | 68 | — |
| Market value | $500m | $575m |
| Price vs our value range | — | — |
| Moat score | 16 (Weak) | — |
| Insider trades, 12 months | 7 buys, 4 sales | 6 buys, 30 sales |