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ACIC NASDAQ US

American Coastal Insurance Corporation - Common Stock

Financials · Insurance Website · IPO Oct 2007
$10.97
▼ $-0.02 (-0.18%)
Vol 139K
7
Quality Score
fail
Mkt Cap
$615.9M
P/E
7.2
ROE
30.5%
Margin
26.0%
D/E
45.62
Beta
-0.64
Div Yield
0.00%
52W
$10–$14

Wall Street Consensus

8 analysts · Apr 2026
2
Strong Buy
4
Buy
2
Hold
0
Sell
0
Strong Sell
75.0%
Buy Rating

Price Chart

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Earnings

Beat rate: 75.0%
Next Report May 06, 2026
EPS Estimate: $0.45
Quarter EPS Est EPS Act Surprise
Mar 2026 $0.45 — —
Dec 2025 $0.43 $0.52 +$0.09
Sep 2025 $0.40 $0.61 +$0.21
Jun 2025 $2.30 $0.54 $-1.76

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue — $79.0M $72.1M $86.4M $90.3M $86.3M
Net Income — $4.9M $21.3M $26.4M $32.5M $26.6M

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 30.9% 30.9% 30.9% 30.9% 30.5% 30.5%
P/E (TTM) 6.65 6.58 6.87 7.14 6.92 7.23
Net Margin 30.6% 25.3% 25.3% 25.3% 26.0% 26.0%
Gross Margin — — — — — —
D/E Ratio 51.04 51.04 51.04 51.04 45.62 45.62
Current Ratio — 0.15 0.15 0.15 0.15 0.15

Key Ratios

ROA (TTM)
7.0%
P/S (TTM)
1.88
P/B
2.8
EPS (TTM)
$1.71
CF/Share
$-5.11
Rev Growth 3Y
-22.4%
52W High
$13.78
52W Low
$9.97
$9.97 52-Week Range $13.78

Financial Health

Free Cash Flow
-$47.8M
Net Debt
-$46.3M
Cash
$198.8M
Total Debt
$152.5M
As of Dec 31, 2025

How does ACIC compare to Insurance peers?

Peer group: Small-cap Insurance ($300M+) · 38 companies

ACIC ABL ABLLL ACGL ACGLN

ACIC valuation vs Insurance peers

P/E ratio
7.2
▼ 41% below peers (12.3)
vs Peers
vs Industry
Undervalued
P/S ratio
1.9
▲ 21% above peers (1.6)
vs Peers
vs Industry
Overvalued
P/B ratio
2.8
▲ 65% above peers (1.7)
vs Peers
vs Industry
Overvalued
Div yield
0.0%
▼ 100% below peers (2.1%)
vs Peers
vs Industry
Low yield

ACIC profitability vs Insurance peers

ROE
30.5%
▲ 86% above peers (16.5%)
vs Peers
vs Industry
Top tier
Net margin
26.0%
▲ 120% above peers (11.8%)
vs Peers
vs Industry
Top tier
Gross margin
—
▼ 0% below peers (35.3%)
vs Peers
vs Industry
Weak
ROA
7.0%
▲ 115% above peers (3.2%)
vs Peers
vs Industry
Top tier

ACIC financial health vs Insurance peers

D/E ratio
45.6
▲ 217% above peers (14.4)
vs Peers
vs Industry
High debt
Current ratio
0.2
▼ 79% below peers (0.7)
vs Peers
vs Industry
Low liquidity
Beta
-0.6
▼ 233% below peers (0.5)
vs Peers
vs Industry
More volatile

ACIC fundamentals radar

ACIC Peer median Industry

ACIC profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

ACIC vs peers: key metrics

Dividends

$1.37
/ year
Jan 02, 2026 $0.7500
Jan 02, 2025 $0.5000
Mar 08, 2022 $0.0600
Nov 19, 2021 $0.0600
Aug 09, 2021 $0.0600
May 14, 2021 $0.0600
Mar 01, 2021 $0.0600
Nov 20, 2020 $0.0600

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