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Side-by-side financial comparison of AMERICAN COASTAL INSURANCE Corp (ACIC) and Latham Group, Inc. (SWIM). Click either name above to swap in a different company.
Latham Group, Inc. is the larger business by last-quarter revenue ($100.0M vs $86.4M, roughly 1.2× AMERICAN COASTAL INSURANCE Corp). AMERICAN COASTAL INSURANCE Corp runs the higher net margin — 30.8% vs -7.0%, a 37.8% gap on every dollar of revenue. On growth, Latham Group, Inc. posted the faster year-over-year revenue change (14.5% vs 9.0%). AMERICAN COASTAL INSURANCE Corp produced more free cash flow last quarter ($70.9M vs $14.1M). Over the past eight quarters, AMERICAN COASTAL INSURANCE Corp's revenue compounded faster (13.9% CAGR vs -4.9%).
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.
Latham & Watkins LLP is an American multinational law firm. Founded in 1934 in Los Angeles, California, it is known for its litigation, corporate, and regulatory law practices.
ACIC vs SWIM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $86.4M | $100.0M |
| Net Profit | $26.6M | $-7.0M |
| Gross Margin | — | 28.0% |
| Operating Margin | 43.2% | -10.7% |
| Net Margin | 30.8% | -7.0% |
| Revenue YoY | 9.0% | 14.5% |
| Net Profit YoY | 437.1% | 76.0% |
| EPS (diluted) | $0.54 | $-0.06 |
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 | $100.0M | ||
| Q3 25 | $90.4M | $161.9M | ||
| Q2 25 | $86.5M | $172.6M | ||
| Q1 25 | $72.2M | $111.4M | ||
| Q4 24 | $79.3M | $87.3M | ||
| Q3 24 | $82.1M | $150.5M | ||
| Q2 24 | $68.7M | $160.1M | ||
| Q1 24 | $66.6M | $110.6M |
| Q4 25 | $26.6M | $-7.0M | ||
| Q3 25 | $32.5M | $8.1M | ||
| Q2 25 | $26.4M | $16.0M | ||
| Q1 25 | $21.3M | $-6.0M | ||
| Q4 24 | $4.9M | $-29.2M | ||
| Q3 24 | $28.1M | $5.9M | ||
| Q2 24 | $19.1M | $13.3M | ||
| Q1 24 | $23.6M | $-7.9M |
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% | ||
| Q1 24 | — | 27.7% |
| Q4 25 | 43.2% | -10.7% | ||
| Q3 25 | 46.1% | 13.3% | ||
| Q2 25 | 41.8% | 14.3% | ||
| Q1 25 | 34.8% | -4.4% | ||
| Q4 24 | 11.2% | -14.9% | ||
| Q3 24 | 43.9% | 8.9% | ||
| Q2 24 | 35.1% | 12.5% | ||
| Q1 24 | 45.9% | -1.9% |
| Q4 25 | 30.8% | -7.0% | ||
| Q3 25 | 35.9% | 5.0% | ||
| Q2 25 | 30.6% | 9.3% | ||
| Q1 25 | 29.6% | -5.4% | ||
| Q4 24 | 6.2% | -33.4% | ||
| Q3 24 | 34.2% | 3.9% | ||
| Q2 24 | 27.8% | 8.3% | ||
| Q1 24 | 35.4% | -7.1% |
| Q4 25 | $0.54 | $-0.06 | ||
| Q3 25 | $0.65 | $0.07 | ||
| Q2 25 | $0.53 | $0.13 | ||
| Q1 25 | $0.43 | $-0.05 | ||
| Q4 24 | $0.10 | $-0.24 | ||
| Q3 24 | $0.57 | $0.05 | ||
| Q2 24 | $0.39 | $0.11 | ||
| Q1 24 | $0.48 | $-0.07 |
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 | — |
| Total DebtLower is stronger | $150.0M | $279.8M |
| Stockholders' EquityBook value | $317.6M | $405.9M |
| Total Assets | $1.1B | $823.2M |
| Debt / EquityLower = less leverage | 0.47× | 0.69× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $198.8M | — | ||
| Q3 25 | $267.9M | — | ||
| Q2 25 | $315.5M | — | ||
| Q1 25 | $167.2M | — | ||
| Q4 24 | $137.0M | — | ||
| Q3 24 | $183.1M | — | ||
| Q2 24 | $229.4M | — | ||
| Q1 24 | $285.4M | — |
| Q4 25 | $150.0M | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | $150.0M | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M | ||
| Q1 24 | — | $282.8M |
| Q4 25 | $317.6M | $405.9M | ||
| Q3 25 | $327.2M | $408.4M | ||
| Q2 25 | $292.3M | $398.4M | ||
| Q1 25 | $260.9M | $381.1M | ||
| Q4 24 | $235.7M | $387.2M | ||
| Q3 24 | $259.6M | $416.6M | ||
| Q2 24 | $223.1M | $408.1M | ||
| Q1 24 | $204.0M | $391.8M |
| Q4 25 | $1.1B | $823.2M | ||
| Q3 25 | $1.2B | $844.4M | ||
| Q2 25 | $1.3B | $822.1M | ||
| Q1 25 | $1.2B | $824.6M | ||
| Q4 24 | $1.2B | $794.2M | ||
| Q3 24 | $1.1B | $853.4M | ||
| Q2 24 | $1.3B | $830.0M | ||
| Q1 24 | $1.1B | $808.6M |
| Q4 25 | 0.47× | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | 0.64× | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× | ||
| Q1 24 | — | 0.72× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $70.9M | $14.1M |
| FCF MarginFCF / Revenue | 82.0% | 14.1% |
| Capex IntensityCapex / Revenue | 0.2% | 9.2% |
| Cash ConversionOCF / Net Profit | 2.67× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $38.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $71.0M | $23.3M | ||
| Q3 25 | $-35.6M | $51.0M | ||
| Q2 25 | $127.9M | $36.0M | ||
| Q1 25 | $26.4M | $-46.9M | ||
| Q4 24 | $243.5M | $6.2M | ||
| Q3 24 | $-9.0M | $37.2M | ||
| Q2 24 | $126.4M | $52.4M | ||
| Q1 24 | $124.5M | $-34.5M |
| Q4 25 | $70.9M | $14.1M | ||
| Q3 25 | — | $45.2M | ||
| Q2 25 | — | $29.1M | ||
| Q1 25 | $26.3M | $-50.3M | ||
| Q4 24 | $243.5M | $-98.0K | ||
| Q3 24 | $-9.0M | $33.2M | ||
| Q2 24 | — | $47.9M | ||
| Q1 24 | — | $-39.9M |
| Q4 25 | 82.0% | 14.1% | ||
| Q3 25 | — | 27.9% | ||
| Q2 25 | — | 16.8% | ||
| Q1 25 | 36.5% | -45.2% | ||
| Q4 24 | 307.2% | -0.1% | ||
| Q3 24 | -10.9% | 22.1% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | -36.0% |
| Q4 25 | 0.2% | 9.2% | ||
| Q3 25 | 0.0% | 3.6% | ||
| Q2 25 | 0.0% | 4.0% | ||
| Q1 25 | 0.1% | 3.1% | ||
| Q4 24 | 0.0% | 7.2% | ||
| Q3 24 | 0.0% | 2.7% | ||
| Q2 24 | 0.0% | 2.8% | ||
| Q1 24 | 0.0% | 4.8% |
| Q4 25 | 2.67× | — | ||
| Q3 25 | -1.10× | 6.29× | ||
| Q2 25 | 4.84× | 2.25× | ||
| Q1 25 | 1.24× | — | ||
| Q4 24 | 49.23× | — | ||
| Q3 24 | -0.32× | 6.32× | ||
| Q2 24 | 6.63× | 3.95× | ||
| 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.
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
