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Side-by-side financial comparison of AMERICAN COASTAL INSURANCE Corp (ACIC) and RE/MAX Holdings, Inc. (RMAX). Click either name above to swap in a different company.
AMERICAN COASTAL INSURANCE Corp is the larger business by last-quarter revenue ($86.4M vs $71.1M, roughly 1.2× RE/MAX Holdings, Inc.). AMERICAN COASTAL INSURANCE Corp runs the higher net margin — 30.8% vs 2.0%, a 28.7% gap on every dollar of revenue. On growth, AMERICAN COASTAL INSURANCE Corp posted the faster year-over-year revenue change (9.0% vs -1.8%). AMERICAN COASTAL INSURANCE Corp produced more free cash flow last quarter ($70.9M vs $33.5M). Over the past eight quarters, AMERICAN COASTAL INSURANCE Corp's revenue compounded faster (13.9% CAGR vs -4.7%).
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.
RE/MAX is an international real estate franchise operating in over 100 countries and territories that, in 2015, had over 100,000 agents in 6,800 offices.
ACIC vs RMAX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $86.4M | $71.1M |
| Net Profit | $26.6M | $1.4M |
| Gross Margin | — | — |
| Operating Margin | 43.2% | 13.1% |
| Net Margin | 30.8% | 2.0% |
| Revenue YoY | 9.0% | -1.8% |
| Net Profit YoY | 437.1% | -75.2% |
| EPS (diluted) | $0.54 | — |
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 | $71.1M | ||
| Q3 25 | $90.4M | $73.2M | ||
| Q2 25 | $86.5M | $72.8M | ||
| Q1 25 | $72.2M | $74.5M | ||
| Q4 24 | $79.3M | $72.5M | ||
| Q3 24 | $82.1M | $78.5M | ||
| Q2 24 | $68.7M | $78.5M | ||
| Q1 24 | $66.6M | $78.3M |
| Q4 25 | $26.6M | $1.4M | ||
| Q3 25 | $32.5M | $4.0M | ||
| Q2 25 | $26.4M | $4.7M | ||
| Q1 25 | $21.3M | $-2.0M | ||
| Q4 24 | $4.9M | $5.8M | ||
| Q3 24 | $28.1M | $966.0K | ||
| Q2 24 | $19.1M | $3.7M | ||
| Q1 24 | $23.6M | $-3.4M |
| Q4 25 | 43.2% | 13.1% | ||
| Q3 25 | 46.1% | 25.0% | ||
| Q2 25 | 41.8% | 19.3% | ||
| Q1 25 | 34.8% | 7.2% | ||
| Q4 24 | 11.2% | 5.9% | ||
| Q3 24 | 43.9% | 19.4% | ||
| Q2 24 | 35.1% | 20.6% | ||
| Q1 24 | 45.9% | 5.8% |
| Q4 25 | 30.8% | 2.0% | ||
| Q3 25 | 35.9% | 5.4% | ||
| Q2 25 | 30.6% | 6.4% | ||
| Q1 25 | 29.6% | -2.6% | ||
| Q4 24 | 6.2% | 8.0% | ||
| Q3 24 | 34.2% | 1.2% | ||
| Q2 24 | 27.8% | 4.7% | ||
| Q1 24 | 35.4% | -4.3% |
| Q4 25 | $0.54 | — | ||
| Q3 25 | $0.65 | — | ||
| Q2 25 | $0.53 | — | ||
| Q1 25 | $0.43 | — | ||
| Q4 24 | $0.10 | — | ||
| Q3 24 | $0.57 | — | ||
| Q2 24 | $0.39 | — | ||
| Q1 24 | $0.48 | — |
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 | $118.7M |
| Total DebtLower is stronger | $150.0M | $432.2M |
| Stockholders' EquityBook value | $317.6M | $452.4M |
| Total Assets | $1.1B | $582.5M |
| Debt / EquityLower = less leverage | 0.47× | 0.96× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $198.8M | $118.7M | ||
| Q3 25 | $267.9M | $107.5M | ||
| Q2 25 | $315.5M | $94.3M | ||
| Q1 25 | $167.2M | $89.1M | ||
| Q4 24 | $137.0M | $96.6M | ||
| Q3 24 | $183.1M | $83.8M | ||
| Q2 24 | $229.4M | $66.1M | ||
| Q1 24 | $285.4M | $82.1M |
| Q4 25 | $150.0M | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | $150.0M | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
| Q4 25 | $317.6M | $452.4M | ||
| Q3 25 | $327.2M | $448.1M | ||
| Q2 25 | $292.3M | $442.4M | ||
| Q1 25 | $260.9M | $433.5M | ||
| Q4 24 | $235.7M | $429.5M | ||
| Q3 24 | $259.6M | $423.1M | ||
| Q2 24 | $223.1M | $418.4M | ||
| Q1 24 | $204.0M | $412.0M |
| Q4 25 | $1.1B | $582.5M | ||
| Q3 25 | $1.2B | $582.2M | ||
| Q2 25 | $1.3B | $574.8M | ||
| Q1 25 | $1.2B | $571.4M | ||
| Q4 24 | $1.2B | $581.6M | ||
| Q3 24 | $1.1B | $578.6M | ||
| Q2 24 | $1.3B | $571.4M | ||
| Q1 24 | $1.1B | $566.7M |
| Q4 25 | 0.47× | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | 0.64× | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $40.9M |
| Free Cash FlowOCF − Capex | $70.9M | $33.5M |
| FCF MarginFCF / Revenue | 82.0% | 47.1% |
| Capex IntensityCapex / Revenue | 0.2% | 10.4% |
| Cash ConversionOCF / Net Profit | 2.67× | 28.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $56.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $71.0M | $40.9M | ||
| Q3 25 | $-35.6M | $17.7M | ||
| Q2 25 | $127.9M | $4.6M | ||
| Q1 25 | $26.4M | $5.7M | ||
| Q4 24 | $243.5M | $59.7M | ||
| Q3 24 | $-9.0M | $17.6M | ||
| Q2 24 | $126.4M | $15.9M | ||
| Q1 24 | $124.5M | $9.4M |
| Q4 25 | $70.9M | $33.5M | ||
| Q3 25 | — | $16.4M | ||
| Q2 25 | — | $2.9M | ||
| Q1 25 | $26.3M | $4.0M | ||
| Q4 24 | $243.5M | $53.0M | ||
| Q3 24 | $-9.0M | $16.3M | ||
| Q2 24 | — | $14.0M | ||
| Q1 24 | — | $6.8M |
| Q4 25 | 82.0% | 47.1% | ||
| Q3 25 | — | 22.4% | ||
| Q2 25 | — | 4.0% | ||
| Q1 25 | 36.5% | 5.3% | ||
| Q4 24 | 307.2% | 73.2% | ||
| Q3 24 | -10.9% | 20.8% | ||
| Q2 24 | — | 17.8% | ||
| Q1 24 | — | 8.6% |
| Q4 25 | 0.2% | 10.4% | ||
| Q3 25 | 0.0% | 1.8% | ||
| Q2 25 | 0.0% | 2.2% | ||
| Q1 25 | 0.1% | 2.3% | ||
| Q4 24 | 0.0% | 9.1% | ||
| Q3 24 | 0.0% | 1.7% | ||
| Q2 24 | 0.0% | 2.4% | ||
| Q1 24 | 0.0% | 3.3% |
| Q4 25 | 2.67× | 28.39× | ||
| Q3 25 | -1.10× | 4.45× | ||
| Q2 25 | 4.84× | 0.97× | ||
| Q1 25 | 1.24× | — | ||
| Q4 24 | 49.23× | 10.28× | ||
| Q3 24 | -0.32× | 18.22× | ||
| Q2 24 | 6.63× | 4.29× | ||
| 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.
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
