American Coastal Insurance Corporation (ACIC) Financial Ratios
20 years of historical data (2006–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↓
2.82
↓-90% vs avg
5yr avg: 27.86
30Y Low0.5·High98.3
P/FCF
↑
7.16
↑+23% vs avg
5yr avg: 5.80
30Y Low0.7·High117.7
P/B Ratio
↑
1.65
↓-16% vs avg
5yr avg: 1.96
30Y Low0.6·High3.4
ROE
↑
38.6%
↓+152% vs avg
5yr avg: -75.0%
30Y Low-20%·High184%
Debt/EBITDA
↓
0.93
↓-96% vs avg
5yr avg: 25.38
30Y Low0.2·High11.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ACIC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
American Coastal Insurance Corporation trades at 4.9x earnings, 9% below its 5-year average of 5.3x, sitting at the 17th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 64%. On a free-cash-flow basis, the stock trades at 7.2x P/FCF, 23% above the 5-year average of 5.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $508M | $629M | $664M | $420M | $46M | $186M | $245M | $539M | $712M | $645M | $327M |
| Enterprise Value | $461M | $582M | $680M | $416M | $-30095806 | $133M | $166M | $483M | $759M | $667M | $231M |
| P/E Ratio → | 4.88 | 5.87 | 8.80 | 1.36 | — | — | — | — | 2444.12 | 63.89 | 58.23 |
| P/S Ratio | 1.51 | 1.87 | 2.24 | 1.59 | 0.21 | 0.82 | 0.29 | 0.65 | 0.98 | 0.99 | 0.67 |
| P/B Ratio | 1.65 | 1.98 | 2.82 | 2.49 | — | 0.56 | 0.59 | 1.03 | 1.32 | 1.20 | 1.36 |
| P/FCF | 7.16 | 8.87 | 2.73 | — | — | — | — | 4.24 | 117.68 | 71.07 | 5.23 |
| P/OCF | 7.15 | 8.85 | 2.73 | — | — | — | — | 3.62 | 70.37 | 45.06 | 4.98 |
P/E links to full P/E history page with 30-year chart
ACIC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
American Coastal Insurance Corporation's enterprise value stands at 2.8x EBITDA, 90% below its 5-year average of 27.9x. The Financial Services sector median is 11.4x, placing the stock at a 75% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.74 | 2.29 | 1.58 | -0.14 | 0.58 | 0.20 | 0.59 | 1.05 | 1.02 | 0.47 |
| EV / EBITDA | 2.82 | 3.57 | 5.64 | 3.90 | -1.20 | 98.35 | — | — | 53.32 | 17.35 | 12.33 |
| EV / EBIT | 3.23 | 3.79 | 5.98 | 3.89 | -2.70 | — | — | — | 134.96 | 160.44 | 29.86 |
| EV / FCF | — | 8.22 | 2.79 | — | — | — | — | 3.80 | 125.52 | 73.52 | 3.69 |
ACIC Profitability
Margins and return-on-capital ratios measuring operating efficiency
American Coastal Insurance Corporation earns an operating margin of 42.6%, significantly above the Financial Services sector average of 20.3%. Operating margins have expanded from 36.4% to 42.6% over the past 3 years, signaling improving operational efficiency. Return on equity of 38.6% is exceptionally high — well above the sector median of 9.0%. ROIC of 41.0% represents excellent returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 86.3% | 86.3% | 52.7% | 53.7% | 19.8% | 20.3% | 0.3% | 10.6% | 15.5% | 17.3% | 14.6% |
| Operating Margin | 42.6% | 42.6% | 37.6% | 36.4% | 0.8% | -4.6% | -15.6% | -4.0% | -0.6% | 0.1% | 1.4% |
| Net Profit Margin | 31.8% | 31.8% | 25.5% | 117.5% | -212.8% | -25.3% | -11.4% | -3.6% | 0.0% | 1.6% | 1.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 38.6% | 38.6% | 37.4% | 183.6% | -619.2% | -15.5% | -20.5% | -5.6% | 0.1% | 2.6% | 2.4% |
| ROA | 9.3% | 9.3% | 6.7% | 15.9% | -17.0% | -2.1% | -3.6% | -1.2% | 0.0% | 0.7% | 0.7% |
| ROIC | 41.0% | 41.0% | 38.9% | 40.2% | 13.7% | -2.5% | -24.6% | -4.6% | -0.6% | 0.2% | 3.4% |
| ROCE | 26.0% | 26.0% | 9.8% | 5.2% | 0.1% | -0.4% | -5.2% | -1.5% | -0.2% | 0.1% | 0.9% |
ACIC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
American Coastal Insurance Corporation carries a Debt/EBITDA ratio of 0.9x, which is very conservative (78% below the sector average of 4.3x). The company holds a net cash position — cash of $199M exceeds total debt of $152M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 14.2x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.48 | 0.48 | 0.65 | 0.89 | — | 0.48 | 0.38 | 0.30 | 0.30 | 0.30 | 0.22 |
| Debt / EBITDA | 0.93 | 0.93 | 1.26 | 1.40 | 6.00 | 117.32 | — | — | 11.24 | 4.20 | 2.89 |
| Net Debt / Equity | — | -0.15 | 0.06 | -0.03 | — | -0.16 | -0.19 | -0.11 | 0.09 | 0.04 | -0.40 |
| Net Debt / EBITDA | -0.28 | -0.28 | 0.13 | -0.04 | -3.03 | -39.62 | — | — | 3.33 | 0.58 | -5.16 |
| Debt / FCF | — | -0.65 | 0.06 | — | — | — | — | -0.44 | 7.84 | 2.45 | -1.54 |
| Interest Coverage | 14.20 | 14.20 | 9.47 | 9.83 | 1.18 | -0.12 | -12.79 | -2.33 | 0.57 | 1.28 | 10.69 |
Net cash position: cash ($199M) exceeds total debt ($152M)
ACIC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.22x means American Coastal Insurance Corporation can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has declined from 2.03x to 1.22x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.22 | 1.22 | — | 2.03 | 17.30 | 6.01 | 126.46 | 7.10 | 6.89 | 3.82 | 7.43 |
| Quick Ratio | 1.22 | 1.22 | — | 11.60 | 20.23 | 7.13 | 144508.36 | 9.04 | 8.35 | 5.98 | 9.74 |
| Cash Ratio | 0.52 | 0.52 | — | 1.93 | 4.51 | 2.70 | 107308.80 | 4.50 | 3.96 | 1.41 | 6.80 |
| Asset Turnover | — | 0.31 | 0.24 | 0.25 | 0.08 | 0.08 | 0.30 | 0.33 | 0.31 | 0.32 | 0.49 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ACIC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
American Coastal Insurance Corporation does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 20.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 3.6% | — | 5.7% | 5.6% | 4.2% | 1.9% | 1.4% | 1.4% | 1.5% |
| Payout Ratio | — | — | 31.8% | — | — | — | — | — | 3540.7% | 88.6% | 87.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 20.5% | 17.0% | 11.4% | 73.8% | — | — | — | — | 0.0% | 1.6% | 1.7% |
| FCF Yield | 14.0% | 11.3% | 36.6% | — | — | — | — | 23.6% | 0.8% | 1.4% | 19.1% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.1% | 0.0% | 0.0% | 0.1% | 0.1% | 0.0% | 0.1% |
| Total Shareholder Yield | 0.0% | 0.0% | 3.6% | 0.0% | 5.7% | 5.6% | 4.2% | 2.0% | 1.5% | 1.4% | 1.6% |
| Shares Outstanding | — | $50M | $49M | $44M | $43M | $43M | $43M | $43M | $43M | $37M | $22M |
Peer Comparison
Compare ACIC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ACICYou | $508M | 4.9 | 2.8 | 7.2 | 86.3% | 42.6% | 38.6% | 41.0% | 0.9 |
 HCI | $2B | 6.6 | 2.2 | 4.8 | 73.2% | 47.7% | 37.8% | 675.0% | 0.2 |
 UPC | $2M | -0.0 | — | — | 35.3% | -16.3% | -7.2% | -7.8% | — |
 HRTG | $706M | 3.7 | 0.9 | 4.1 | 63.0% | 30.6% | 49.1% | 1539.6% | 0.4 |
 ALL | $57B | 5.8 | 4.7 | 5.8 | 33.2% | 19.8% | 39.6% | 29.8% | 0.5 |
 TRV | $67B | 11.2 | 8.8 | — | 44.3% | 16.0% | 20.7% | 15.3% | 1.1 |
 CB | $126B | 12.6 | 10.9 | 8.7 | 29.4% | 21.8% | 13.9% | 10.8% | 1.7 |
 HIG | $35B | 9.6 | 7.7 | 6.1 | 46.1% | 16.8% | 21.7% | 16.3% | 0.8 |
 CINF | $26B | 11.2 | 8.2 | 8.6 | 50.1% | 23.6% | 16.0% | 15.3% | 0.3 |
 WRB | $25B | 15.1 | 11.1 | 7.3 | 19.8% | 15.9% | 19.6% | 18.2% | 1.2 |
 RNR | $13B | 5.3 | 3.4 | 3.5 | 40.7% | 31.5% | 14.6% | 16.0% | 0.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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ACIC — Frequently Asked Questions
Quick answers to the most common questions about buying ACIC stock.
What is American Coastal Insurance Corporation's P/E ratio?
American Coastal Insurance Corporation's current P/E ratio is 4.9x. The historical average is 16.4x. This places it at the 17th percentile of its historical range.
What is American Coastal Insurance Corporation's EV/EBITDA?
American Coastal Insurance Corporation's current EV/EBITDA is 2.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.0x.
What is American Coastal Insurance Corporation's ROE?
American Coastal Insurance Corporation's return on equity (ROE) is 38.6%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 34.2%.
Is ACIC stock overvalued?
Based on historical data, American Coastal Insurance Corporation is trading at a P/E of 4.9x. This is at the 17th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are American Coastal Insurance Corporation's profit margins?
American Coastal Insurance Corporation has 86.3% gross margin and 42.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does American Coastal Insurance Corporation have?
American Coastal Insurance Corporation's Debt/EBITDA ratio is 0.9x, indicating low leverage. A ratio below 2x is generally considered financially healthy.