Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 12.26% is 19% above its 5-year average of 10.33%, near the high end of its 5-year range (4.78%–15.30%).
As of the fiscal period ended Tuesday, June 30, 2026. 7.13% below its 12-month average of 13.21%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 12.26%.
DEBT TO ASSETS RATIO
12.26%
DEBT TO ASSETS RATIO AVG TTM
13.21%
DEBT TO ASSETS RATIO AVG 3Y
12.87%
DEBT TO ASSETS RATIO AVG 5Y
10.33%
DEBT TO ASSETS RATIO AVG 10Y
8.03%
DEBT TO ASSETS RATIO AVG 15Y
6.46%
DEBT TO ASSETS RATIO AVG 20Y
7.35%
CURRENT VS TTM AVG
-7.13%
CURRENT VS 3Y AVG
-4.72%
CURRENT VS 5Y AVG
+18.74%
CURRENT VS 10Y AVG
+52.64%
CURRENT VS 15Y AVG
+89.98%
CURRENT VS 20Y AVG
+66.87%
SECTOR MEDIAN · FINANCIAL SERVICES
0.04%
median of 700 covered companies
CURRENT VS SECTOR MEDIAN
+27154.07%
vs the sector median at left
American Coastal Insurance Corporation
Market Cap
$455.56M
Debt to Assets Ratio
12.26%
TTM Avg
13.21%
3Y Avg
12.87%
5Y Avg
10.33%
Market Cap
$458.04M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$447.77M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$444.36M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$443.11M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$471.39M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$472.59M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| American Coastal Insurance Corporation (ACIC) | $455.56M | 12.26% | 13.21% | 12.87% | 10.33% |
| Citizens & Northern Corporation (CZNC)vs › | $458.04M | 0.05% | N/A | N/A | N/A |
| First Bank (FRBA)vs › | $448.02M | 0.07% | N/A | N/A | N/A |
| Churchill Capital Corp. Xii (CXII)vs › | $447.77M | N/A | N/A | N/A | N/A |
| Pioneer Bancorp, Inc. (PBFS)vs › | $444.36M | 0.00% | N/A | N/A | N/A |
| Bank of Marin Bancorp (BMRC)vs › | $443.11M | 0.01% | N/A | N/A | N/A |
| RBB Bancorp (RBB)vs › | $441.26M | 0.07% | N/A | N/A | N/A |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $471.39M | 0.00% | N/A | N/A | N/A |
| Gores Holdings X, Inc. (GTEN)vs › | $472.59M | 0.00% | N/A | N/A | N/A |
| AMERISAFE, Inc. (AMSF)vs › | $439.26M | 0.00% | N/A | N/A | N/A |
Debt/Assets
12.3%
Debt/Equity
0.45
Current ratio and interest coverage is unavailable for American Coastal Insurance Corporation: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 12.26% |
| 2026-03-31 | 15.30% |
| 2025-12-31 | 14.21% |
| 2025-09-30 | 12.93% |
| 2025-06-30 | 11.32% |
| 2025-03-31 | 13.14% |
| 2024-12-31 | 12.53% |
| 2024-09-30 | 13.02% |
| 2024-06-30 | 11.36% |
| 2024-03-31 | 13.82% |
| 2023-12-31 | 14.07% |
| 2023-09-30 | 13.01% |
| 2023-06-30 | 10.36% |
| 2023-03-31 | 10.37% |
| 2022-12-31 | 5.43% |
| 2022-09-30 | 5.24% |
| 2022-06-30 | 6.32% |
| 2022-03-31 | 6.50% |
| 2021-12-31 | 5.87% |
| 2021-09-30 | 4.78% |
| 2021-06-30 | 5.06% |
| 2021-03-31 | 5.69% |
| 2020-12-31 | 5.63% |
| 2020-09-30 | 5.23% |
| 2020-06-30 | 5.68% |
| 2020-03-31 | 6.91% |
| 2019-12-31 | 6.45% |
| 2019-09-30 | 5.80% |
| 2019-06-30 | 5.91% |
| 2019-03-31 | 7.20% |
| 2018-12-31 | 6.90% |
| 2018-09-30 | 6.92% |
| 2018-06-30 | 6.93% |
| 2018-03-31 | 7.79% |
| 2017-12-31 | 7.83% |
| 2017-09-30 | 2.43% |
| 2017-06-30 | 2.95% |
| 2017-03-31 | 5.66% |
| 2016-12-31 | 5.45% |
| 2016-09-30 | 2.58% |
| 2016-06-30 | 2.56% |
| 2016-03-31 | 1.63% |
| 2015-12-31 | 1.67% |
| 2015-09-30 | 1.62% |
| 2015-06-30 | 1.64% |
| 2015-03-31 | 2.19% |
| 2014-12-31 | 2.32% |
| 2014-09-30 | 2.26% |
| 2014-06-30 | 2.22% |
| 2014-03-31 | 2.97% |
| 2013-12-31 | 3.33% |
| 2013-09-30 | 3.35% |
| 2013-06-30 | 3.27% |
| 2013-03-31 | 4.76% |
| 2012-12-31 | 5.06% |
| 2012-09-30 | 4.80% |
| 2012-06-30 | 4.50% |
| 2012-03-31 | 6.95% |
| 2011-12-31 | 7.10% |
| 2011-09-30 | 6.06% |
| 2011-06-30 | 5.51% |
| 2011-03-31 | 8.17% |
| 2010-12-31 | 8.54% |
| 2010-09-30 | 7.06% |
| 2010-06-30 | 6.32% |
| 2010-03-31 | 15.89% |
| 2009-12-31 | 16.72% |
| 2009-09-30 | 13.70% |
| 2009-06-30 | 12.45% |
| 2009-03-31 | 17.71% |
| 2008-12-31 | 17.72% |
| 2008-09-30 | 16.98% |
| 2008-06-30 | 0.00% |
| 2008-03-31 | 0.00% |
| 2007-12-31 | 115.72% |
| 2007-09-30 | 53.20% |
| 2007-06-30 | 53.33% |
