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ACICAmerican Coastal Insurance Corporation
$9.11$442M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
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Income StatementBalance SheetCash FlowRatios & Margins
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P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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ACIC logo

American Coastal Insurance Corporation

ACIC
NASDAQ · Property & Casualty Insurance
$9.11
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$442M
P/E4.2x
52W High$13.06
Volume231.32K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Volatile Reserve Dynamics Distort Underwriting Performance

ACIC's core profitability appears strong, with a normalized combined ratio in the high-50s to low-60s range following a severe 2024Q4 loss event, and shareholder equity has grown 67% to $340.8M since 2024Q1. However, the investment thesis is clouded by extreme...

GrowthMixed
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

ACIC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-58% Peers

P/E is 58% below peer median

03

Market leadership

RS 26 · Lag

Laggard (Underperforming 74% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Nov 5

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
ACIC-13.36%
S&P 500 (^GSPC)+12.39%
1-Year Return
ACIC-11.65%
S&P 500 (^GSPC)+15.77%
3-Year Return
ACIC+15.37%
S&P 500 (^GSPC)+48.01%
5-Year Return
ACIC+196.88%
S&P 500 (^GSPC)+61.02%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
4.2x
Forward P/E
9.3x
EV/EBITDA0th %ile
2.4x
FCF YieldCash Flow
16.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
4.2x
5.9x
33rd· Fair
EV/EBITDA
2.4x
5.6x
0th· Low
Price/FCF
6.2x
8.9x
50th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$335M+13.1% YoY
Net income
$107M+41.1% YoY
Free cash flow
$71M-70.9% YoY
Operating margin
42.6%+4.9 pts YoY
ROIC (TTM)41%
Avg ROIC 5Y-
ROE (TTM)38.6%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (75%)
Revenue Beat Rate5/12 (42%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 5, 2026
$0.33-21.4%
vs $0.42
$216M+11.4%
vs $194M
Q2 2026
May 5, 2026
$0.39-11.4%
vs $0.44
$149M-14.7%
vs $175M
Q1 2026
Feb 19, 2026
$0.51+21.4%
vs $0.42
$115M-18.6%
vs $141M
Q4 2025
Nov 5, 2025
$0.61+56.4%
vs $0.39
$90M+8.2%
vs $83M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·Sep 14, 2026
American Coastal Insurance Corporation Announces Restructured Exclusive Managing Agency Agreement with AmRisc, LLC

Agreement Removes Fixed Expiration Date and Requires 48 Months' Advance Notice to Terminate, Providing a Minimum Four-Year Term at All Times Agreement Removes Fixed Expiration Date and Requires 48 Months' Advance Notice to Terminate, Providing a Minimum Four-Year Term at All Times

Defense World·Sep 3, 2026
BlackRock Inc. Acquires Shares of 2,280,065 American Coastal Insurance Corporation $ACIC

BlackRock Inc. bought a new position in shares of American Coastal Insurance Corporation (NASDAQ: ACIC) in the second quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The fund bought 2,280,065 shares of the company's stock, valued at approximately $25,309,000. BlackRock Inc. owned 4.71% of American

MarketBeat·Aug 29, 2026
American Coastal Maps E&S Expansion as Florida Insurance Pricing Softens

American Coastal Insurance NASDAQ: ACIC outlined its strategy for navigating a softer Florida commercial residential insurance market, emphasizing underwriting discipline, reinsurance protection and planned expansion into the excess-and-surplus, or E&S, market during a Midwest IDEAS Investor Conference presentation.

Seeking Alpha·Aug 6, 2026
American Coastal Insurance Corporation (ACIC) Q2 2026 Earnings Call Transcript

American Coastal Insurance Corporation (ACIC) Q2 2026 Earnings Call Transcript

Filtered for American Coastal Insurance CorporationMore Headlines
04

Compare before deciding

Benchmark ACIC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for American Coastal Insurance Corporation (ACIC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ACIC logoACICAmerican Coastal Insurance CorporationCurrent
$9.11$441.51M4.2413.07%31.85%38.62%—
HCI logoHCIHCI Group, Inc.
$176.12$2.25B7.0820.21%32.6%28.69%—
UPC logoUPCUniverse Pharmaceuticals Inc.
$4.69$2.64M-0.00-22.44%-30.33%-27.02%—
HRTG logoHRTGHeritage Insurance Holdings, Inc.
$33.07$1B5.233.71%27.54%42.41%—
ALL logoALLThe Allstate Corporation
$225.66$58.09B5.914.64%19.24%43.16%—
TRV logoTRVThe Travelers Companies, Inc.
$360.39$75.17B13.145.17%16.95%25.62%—

Compare ACIC vs Peers

American Coastal Insurance Corporation (ACIC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HCI

Most directly comparable listed peer for ACIC.

Scale Benchmark

vs CB

Larger-name benchmark to compare ACIC against a more recognizable public peer.

Peer Set

Compare Top 5

vs HCI, UPC, HRTG, ALL

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

ACIC SEC Filings & Documents

American Coastal Insurance Corporation (ACIC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 10, 2026·SEC

Material company update

Aug 10, 2026·SEC

Material company update

Jun 30, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 2, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 10, 2026·SEC

FY 2026

May 11, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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ACIC Frequently Asked Questions

American Coastal Insurance Corporation (ACIC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is American Coastal Insurance Corporation growing?

American Coastal Insurance Corporation (ACIC) grew revenue by 13.1% over the past year. This is steady growth.

Is ACIC profitable?

Yes, American Coastal Insurance Corporation (ACIC) is profitable, generating $100.2M in net income for fiscal year 2025 (31.8% net margin).

Dividend & Returns
What is ACIC's return on equity?

American Coastal Insurance Corporation (ACIC) has a return on equity (ROE) of 38.6%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is American Coastal Insurance Corporation's combined ratio?

American Coastal Insurance Corporation (ACIC) has a combined ratio of 57.4%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in ACIC back in 2006?

Total return calculator · dividends reinvested · 20+ years of data

See returns →