American Coastal Insurance Corporation (ACIC)

NASDAQ: ACIC · USD

$10.9

-0.08 (-0.7%)· Recorded snapshot

Market cap	506.8M
Revenue (ttm)	330.6M
Net income (ttm)	100.2M
EPS (ttm)	$2.02
Shares out	46.7M
P/E (trailing)	5.4x
P/E (forward)	8.0x
Dividend	$0.75 (6.91%)
Volume	148,963
Beta	-0.53

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 330.6M
Net income (ttm): 100.2M
EPS (ttm): $2.02
P/E (trailing): 5.4x
P/E (forward): 8.0x
Market cap: 506.8M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	적극 매수
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	적극 매수
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	보유

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E8

P25 n/aP50 n/aP75 n/a

Trailing P/E5.4

P25 n/aP50 n/aP75 n/a

ROE31.7

P25 n/aP50 n/aP75 n/a

ROIC22

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All ACIC indicators

Market & fundamental data

Available fields

235

Groups with data

Currency

USD

Showing 235 of 235 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001401521
Company name	American Coastal Insurance Corporation
Country	United States
Country code	US
CUSIP number	910710102
Earnings date	2026-10-29
Earnings time	amc
Employees	68
Employees change	3
Employees growth	4.62%
Enterprise value	$440.4M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1999
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
Is primary listing	Yes
Is SPAC	No
ISIN number	US9107101027
Last 10-K release date	2026-03-09
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$506.8M
Market cap category	Small-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$10.86
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	ACIC
U.S. state	Florida
Website	https://www.amcoastal.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	5.87x
Average P/E ratio (3Y)	6.16x
Earnings yield	18.61%
EV/Earnings	4.39x
EV/EBIT	3.07x
EV/EBITDA	2.98x
EV/Sales	1.33x
FCF / EV yield	-7.06%
FCF yield	-6.14%
Forward EV/Sales	1.54x
Forward P/E	8.04x
Forward P/S	1.77x
Graham number	18.22054
Graham upside	68.09%
Industry forward P/E	12.53x
Industry P/E	10.09x
P/B ratio	1.5x
P/E ratio	5.37x
P/S ratio	1.53x
Price / tangible book value	1.81x
Price/EBITDA ratio	3.43x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	43.26%
EBITDA margin	44.6%
Effective tax rate	24.75%
Gross margin	56.62%
Operating margin	43.26%
Pretax margin	40.27%
Profit margin	30.31%
Profit per employee	$1.5M
Profitable quarters	14
Profitable years	3
Revenue per employee	$4.9M
ROA	6.9%
ROA (5Y)	3.5%
ROCE	28.28%
ROE	31.65%
ROIC	22.02%
SBC / revenue	1.49%
Tax / revenue	9.97%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	23.81%
EPS growth (Q)	-16.65%
EPS growth (QoQ)	12.82%
EPS growth 10Y	2.32%
EPS growth years	1
FCF growth (Q)	-54.47%
Net income growth	23.92%
Net income growth (Q)	-17.19%
Net income growth (QoQ)	13.72%
Net income growth years	1
OCF growth (Q)	-54.28%
Revenue growth	3.29%
Revenue growth (Q)	-4.48%
Revenue growth (QoQ)	15.97%
Revenue growth 10Y	-2.33%
Revenue growth 3Y	2.38%
Revenue growth 5Y	-15.58%
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-430,000
EBIT	$143M
EBITDA	$147.4M
EPS	$2.02
FCF per share	$-0.67
Financing cash flow	$-57.9M
Free cash flow	$-31M
Free cash flow minus SBC	$-36M
Gross profit	$187.2M
Income taxes	$32.9M
Investing cash flow	$-1.5M
Net cash flow	$-90M
Net income	$100.2M
Operating cash flow minus SBC	$-35.5M
Operating income	$143M
Revenue	$330.6M
Stock-based compensation	$4.9M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$7.30
Debt / EBITDA	1.03
Debt / equity	0.45
Goodwill	$59.5M
Interest coverage	14.21
Net cash (debt)	$66.4M
Net cash / market cap	13.13%
Net cash growth	-59.28%
Net debt / EBITDA	-0.45
Net debt / equity	-0.19
Piotroski F-Score	4
Property, plant and equipment	$3.7M
Shareholders' equity	$340.8M
Tangible book value	$279.1M
Tangible book value per share	$5.98
Total assets	$1.2B
Total cash	$235.6M
Total debt	$152.5M
Total liabilities	$903M
WACC	2.19%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.26
Current ratio	1.08
Net working capital	$-157.5M
Quick ratio	0.48
Working capital	$61.3M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.45%
Dividend growth	50%
Dividend growth (10Y)	14.13%
Dividend growth (3Y)	46.2%
Dividend growth (5Y)	25.59%
Dividend growth years	1
Dividend payment date	2026-01-09
Dividend payment years	2
Dividend per share	$0.75
Dividend yield	6.91%
Ex-dividend date	2026-01-02
Last dividend	$0.75
Payout ratio	37.12%
Shareholder yield	6.47%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-22.35%
10Y return CAGR	-0.05%
10Y total return	-0.53%
150-day SMA	$10.50
15Y price change	161.21%
15Y return CAGR	8.91%
15Y total return	259.83%
1D price change	-0.73%
1M price change	15.32%
1M total return	15.32%
1W price change	-3.3%
1W total return	-3.3%
1Y price change	-8.14%
1Y return CAGR	-2.34%
1Y total return	-2.34%
20-day SMA	$10.43
200-day SMA	$10.68
3M price change	4.13%
3M total return	4.13%
3Y price change	48.09%
3Y return CAGR	17.81%
3Y total return	63.51%
50-day SMA	$9.76
50-day SMA vs 200-day SMA	50under200
52-week high	$13.06
52-week high date	2025-12-18
52-week low	$9.01
52-week low date	2026-09-30
5Y price change	185.26%
5Y return CAGR	26.57%
5Y total return	224.82%
6M price change	-10.56%
6M total return	-10.56%
All-time high	$28.43
All-time high date	2015-02-06
All-time low	$0.29
All-time low date	2022-11-28
Average true range (ATR)	$0.31
Average volume	284.3K
Beta (1Y)	0.05
Beta (2Y)	0.5
Beta (5Y)	-0.53
Change from 52-week high	-16.81%
Change from 52-week low	20.53%
Change from all-time high	-61.87%
Change from all-time low	3,611.06%
Change from open	0.09%
Day's gap	-0.82%
Dollar volume	$1.6M
High price	$10.91
Low price	$10.82
Monthly RSI	51.16
Open price	$10.85
Position in 52-week range	44.44%
Previous close	$10.94
Price vs 150-day SMA	3.21%
Price vs 20-day SMA	3.95%
Price vs 200-day SMA	1.5%
Price vs 50-day SMA	11.12%
Relative volume	0.52
RSI	60.61
Sharpe ratio	-0.04
Sharpe ratio (3Y)	0.49
Sharpe ratio (5Y)	0.63
Sortino ratio	0.11
Sortino ratio (3Y)	0.95
Sortino ratio (5Y)	1.15
Volume	149K
Weekly RSI	55.15
YTD price change	-14.17%
YTD total return	-8.75%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	22.8M
Float percentage	48.77%
Shares change (QoQ)	-1.01%
Shares change (YoY)	0.45%
Shares held by insiders	50.01%
Shares held by institutions	36.41%
Shares outstanding	46.7M
Short % of float	8.62%
Short % of shares	4.2%
Short ratio	7.9 days

Deeper analysis on ACIC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this ACIC report

Is a complete ACIC research report available?

No complete published report is available for American Coastal Insurance Corporation (ACIC) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

American Coastal Insurance Corporation (ACIC)

Price

Financial snapshot

Fair-value bridge

Latest news · ACIC

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ACIC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ACIC

Frequently asked questions