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Side-by-side financial comparison of AMERICAN COASTAL INSURANCE Corp (ACIC) and NOODLES & Co (NDLS). Click either name above to swap in a different company.
NOODLES & Co is the larger business by last-quarter revenue ($122.1M vs $86.4M, roughly 1.4× AMERICAN COASTAL INSURANCE Corp). AMERICAN COASTAL INSURANCE Corp runs the higher net margin — 30.8% vs -7.5%, a 38.2% gap on every dollar of revenue. On growth, AMERICAN COASTAL INSURANCE Corp posted the faster year-over-year revenue change (9.0% vs -4.1%). AMERICAN COASTAL INSURANCE Corp produced more free cash flow last quarter ($70.9M vs $-2.8M). Over the past eight quarters, AMERICAN COASTAL INSURANCE Corp's revenue compounded faster (13.9% CAGR vs -1.2%).
United Property & Casualty Insurance Company, Inc. is an American property and casualty insurance company with headquarters in Florida. It writes commercial, residential, homeowners’, and flood insurance policies in several coastal states.
Noodles & Company is an American fast-casual restaurant that offers international and American noodle dishes in addition to soups and salads. Noodles & Company was founded in 1995 by Aaron Kennedy and is headquartered in Broomfield, Colorado. The company went public in 2013 and recorded a $457 million revenue in 2017. In mid-2022, there were 458 Noodles & Company locations across 31 states.
ACIC vs NDLS — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $86.4M | $122.1M |
| Net Profit | $26.6M | $-9.2M |
| Gross Margin | — | — |
| Operating Margin | 43.2% | -5.2% |
| Net Margin | 30.8% | -7.5% |
| Revenue YoY | 9.0% | -4.1% |
| Net Profit YoY | 437.1% | 32.8% |
| EPS (diluted) | $0.54 | $-0.20 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $86.4M | — | ||
| Q3 25 | $90.4M | $122.1M | ||
| Q2 25 | $86.5M | $123.8M | ||
| Q1 25 | $72.2M | — | ||
| Q4 24 | $79.3M | $122.8M | ||
| Q3 24 | $82.1M | $127.4M | ||
| Q2 24 | $68.7M | $121.4M | ||
| Q1 24 | $66.6M | $124.3M |
| Q4 25 | $26.6M | — | ||
| Q3 25 | $32.5M | $-9.2M | ||
| Q2 25 | $26.4M | $-9.1M | ||
| Q1 25 | $21.3M | — | ||
| Q4 24 | $4.9M | $-6.8M | ||
| Q3 24 | $28.1M | $-13.6M | ||
| Q2 24 | $19.1M | $-6.1M | ||
| Q1 24 | $23.6M | $-6.1M |
| Q4 25 | 43.2% | — | ||
| Q3 25 | 46.1% | -5.2% | ||
| Q2 25 | 41.8% | -5.2% | ||
| Q1 25 | 34.8% | — | ||
| Q4 24 | 11.2% | -3.9% | ||
| Q3 24 | 43.9% | -9.0% | ||
| Q2 24 | 35.1% | -3.4% | ||
| Q1 24 | 45.9% | -3.7% |
| Q4 25 | 30.8% | — | ||
| Q3 25 | 35.9% | -7.5% | ||
| Q2 25 | 30.6% | -7.3% | ||
| Q1 25 | 29.6% | — | ||
| Q4 24 | 6.2% | -5.5% | ||
| Q3 24 | 34.2% | -10.7% | ||
| Q2 24 | 27.8% | -5.1% | ||
| Q1 24 | 35.4% | -4.9% |
| Q4 25 | $0.54 | — | ||
| Q3 25 | $0.65 | $-0.20 | ||
| Q2 25 | $0.53 | $-0.20 | ||
| Q1 25 | $0.43 | — | ||
| Q4 24 | $0.10 | $-0.15 | ||
| Q3 24 | $0.57 | $-0.30 | ||
| Q2 24 | $0.39 | $-0.14 | ||
| Q1 24 | $0.48 | $-1.64 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $198.8M | $4.7M |
| Total DebtLower is stronger | $150.0M | — |
| Stockholders' EquityBook value | $317.6M | $-38.9M |
| Total Assets | $1.1B | $280.6M |
| Debt / EquityLower = less leverage | 0.47× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $198.8M | — | ||
| Q3 25 | $267.9M | $4.7M | ||
| Q2 25 | $315.5M | $1.4M | ||
| Q1 25 | $167.2M | — | ||
| Q4 24 | $137.0M | $3.3M | ||
| Q3 24 | $183.1M | $1.8M | ||
| Q2 24 | $229.4M | $1.3M | ||
| Q1 24 | $285.4M | $3.0M |
| Q4 25 | $150.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $150.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $317.6M | — | ||
| Q3 25 | $327.2M | $-38.9M | ||
| Q2 25 | $292.3M | $-13.9M | ||
| Q1 25 | $260.9M | — | ||
| Q4 24 | $235.7M | $3.7M | ||
| Q3 24 | $259.6M | $9.6M | ||
| Q2 24 | $223.1M | $21.9M | ||
| Q1 24 | $204.0M | $27.2M |
| Q4 25 | $1.1B | — | ||
| Q3 25 | $1.2B | $280.6M | ||
| Q2 25 | $1.3B | $319.4M | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.2B | $340.5M | ||
| Q3 24 | $1.1B | $346.3M | ||
| Q2 24 | $1.3B | $360.4M | ||
| Q1 24 | $1.1B | $368.1M |
| Q4 25 | 0.47× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.64× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $71.0M | $4.3M |
| Free Cash FlowOCF − Capex | $70.9M | $-2.8M |
| FCF MarginFCF / Revenue | 82.0% | -2.3% |
| Capex IntensityCapex / Revenue | 0.2% | 5.8% |
| Cash ConversionOCF / Net Profit | 2.67× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-7.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $71.0M | — | ||
| Q3 25 | $-35.6M | $4.3M | ||
| Q2 25 | $127.9M | $4.0M | ||
| Q1 25 | $26.4M | — | ||
| Q4 24 | $243.5M | $5.8M | ||
| Q3 24 | $-9.0M | $4.7M | ||
| Q2 24 | $126.4M | $7.0M | ||
| Q1 24 | $124.5M | $164.0K |
| Q4 25 | $70.9M | — | ||
| Q3 25 | — | $-2.8M | ||
| Q2 25 | — | $1.1M | ||
| Q1 25 | $26.3M | — | ||
| Q4 24 | $243.5M | $-1.3M | ||
| Q3 24 | $-9.0M | $-4.5M | ||
| Q2 24 | — | $-1.6M | ||
| Q1 24 | — | $-15.2M |
| Q4 25 | 82.0% | — | ||
| Q3 25 | — | -2.3% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | 36.5% | — | ||
| Q4 24 | 307.2% | -1.1% | ||
| Q3 24 | -10.9% | -3.5% | ||
| Q2 24 | — | -1.4% | ||
| Q1 24 | — | -12.2% |
| Q4 25 | 0.2% | — | ||
| Q3 25 | 0.0% | 5.8% | ||
| Q2 25 | 0.0% | 2.4% | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.0% | 5.8% | ||
| Q3 24 | 0.0% | 7.2% | ||
| Q2 24 | 0.0% | 7.1% | ||
| Q1 24 | 0.0% | 12.3% |
| Q4 25 | 2.67× | — | ||
| Q3 25 | -1.10× | — | ||
| Q2 25 | 4.84× | — | ||
| Q1 25 | 1.24× | — | ||
| Q4 24 | 49.23× | — | ||
| Q3 24 | -0.32× | — | ||
| Q2 24 | 6.63× | — | ||
| Q1 24 | 5.27× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACIC
Segment breakdown not available.
NDLS
| Food And Beverage | $119.6M | 98% |
| Franchise | $2.5M | 2% |
