American Coastal Insurance Corp — Earnings Quality Grade C
ACIC · Financial Services
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 216 days, change -165 days YoY
AR growth -35.9% vs revenue growth 13.0%
Revenue grew 13.0% but CFFO declined -70.8%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth 604.5% is >2x revenue growth 13.0%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.66. Below 1.0
FCF $0.1B, FCF/NI = 0.66
Accruals ratio = 3.3%. Low accruals
Cash $0.3B covers debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 20% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -4% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
American Coastal Insurance Corp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25