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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.

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%	强力买入
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	强力买入
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	持有

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

Metric

Value

Amount currency

USD

CIK code

0001401521

Company name

American Coastal Insurance Corporation

Country

United States

Country code

CUSIP number

910710102

Earnings date

2026-10-29

Earnings time

amc

Employees

Employees change

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

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

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

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

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%

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

Profitable years

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%

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

Metric

Value

EPS growth

23.81%

EPS growth (Q)

-16.65%

EPS growth (QoQ)

12.82%

EPS growth 10Y

2.32%

EPS growth years

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

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

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

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

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%

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

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%

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

Metric

Value

Asset turnover

0.26

Current ratio

1.08

Net working capital

$-157.5M

Quick ratio

0.48

Working capital

$61.3M

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%

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

Dividend payment date

2026-01-09

Dividend payment years

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%

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%

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%

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

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

American Coastal Insurance Corporation (ACIC)

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