American Coastal Insurance vs Investors Title
American Coastal Insurance is the larger business, with $335m of revenue in fiscal 2025 against $273m for Investors Title (1.2 times as much). American Coastal Insurance grew faster (13.1% against 5.6%). American Coastal Insurance kept more of each dollar of sales as profit: a net margin of 31.8% against 12.9%. Investors Title carries less debt relative to equity (0.0% against 47.2%).
| Latest fiscal year | American Coastal InsuranceACIC, 2025 | Investors TitleITIC, 2025 |
|---|---|---|
| Revenue | $335m | $273m |
| Revenue growth | 13.1% | 5.6% |
| Net income | $107m | $35.2m |
| Operating margin | 41.8% | — |
| Net margin | 31.8% | 12.9% |
| Return on equity | 38.6% | 13.5% |
| Free cash flow | $70.9m | $25.4m |
| Cash | $199m | $20.8m |
| Total debt | $150m | $0 |
| Debt to equity | 47.2% | 0.0% |
| Dividend per share | — | $10.56 |
| Dividend yield | — | 3.9% |
| Share buybacks | — | $0 |
| Employees | 68 | 548 |
| Market value | $500m | $505m |
| Price vs our value range | — | — |
| Moat score | 16 (Weak) | 79 (Strong) |
| Insider trades, 12 months | 7 buys, 4 sales | 2 buys, 0 sales |