American Coastal Insurance vs Amerisafe
American Coastal Insurance and Amerisafe are similar in size: $335m and $317m of revenue in their latest fiscal years. American Coastal Insurance grew faster (13.1% against 2.7%). American Coastal Insurance kept more of each dollar of sales as profit: a net margin of 31.8% against 14.9%. Amerisafe carries less debt relative to equity (0.0% against 47.2%).
| Latest fiscal year | American Coastal InsuranceACIC, 2025 | AmerisafeAMSF, 2025 |
|---|---|---|
| Revenue | $335m | $317m |
| Revenue growth | 13.1% | 2.7% |
| Net income | $107m | $47.1m |
| Operating margin | 41.8% | — |
| Net margin | 31.8% | 14.9% |
| Return on equity | 38.6% | 18.5% |
| Free cash flow | $70.9m | $8.9m |
| Cash | $199m | $61.9m |
| Total debt | $150m | $0 |
| Debt to equity | 47.2% | 0.0% |
| Dividend per share | — | — |
| Dividend yield | — | 16.5% |
| Share buybacks | — | — |
| Employees | 68 | — |
| Market value | $500m | $380m |
| Price vs our value range | — | — |
| Moat score | 16 (Weak) | 82 (Strong) |
| Insider trades, 12 months | 7 buys, 4 sales | 0 buys, 2 sales |