Last 48 quarters of trend data · Financial Services · Property & Casualty Insurers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 5.58 | 5.65 | 6.31 | 7.21 | 5.96 | 4.38 | 5.25 | 6.73 | 33.65 | 4.94 | 6.76 | 5.57 | 7.63 | 7.67 | 2.72 | 0.12 | — | — | — | — | — |
| — | +29.0% | +20.2% | +7.2% | -82.3% | -11.4% | -22.4% | +20.8% | +341.1% | -35.5% | +148.7% | +4630.6% | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 1.57 | 1.55 | 1.66 | 1.97 | 1.83 | 1.57 | 1.60 | 1.99 | 2.10 | 1.70 | 1.90 | 1.97 | 1.86 | 1.55 | 0.66 | 0.34 | 0.10 | 0.09 | 0.26 | 0.61 | 0.30 |
| — | -1.7% | +3.8% | -1.1% | -13.3% | -7.3% | -15.8% | +1.1% | +13.3% | +9.9% | +185.6% | +478.4% | +1745.0% | +1530.8% | +152.8% | -44.1% | -66.6% | -60.4% | -33.3% | +27.4% | +18.6% | |
| P/B Ratio | 1.57 | 1.23 | 1.61 | 1.69 | 1.99 | 1.74 | 1.89 | 2.20 | 2.82 | 2.15 | 2.34 | 2.57 | 2.56 | 2.69 | 1.74 | 1.47 | — | 0.34 | 0.40 | 0.51 | 0.56 |
| — | -29.2% | -15.0% | -23.1% | -29.7% | -19.2% | -19.2% | -14.3% | +10.2% | -20.2% | +34.4% | +74.4% | — | +685.1% | +332.2% | +186.5% | — | -25.1% | -40.8% | -36.9% | -4.4% | |
| P/FCF | 7.00 | 1.68 | 2.35 | — | — | — | 1.08 | 5.44 | 104.57 | — | 1.03 | 1.05 | 2.21 | 1.69 | — | — | — | — | 0.59 | — | — |
| — | — | +117.7% | — | — | — | +4.6% | +417.6% | +4628.6% | — | — | — | — | — | — | — | — | — | -64.3% | — | — | |
| EV / EBITDA | 3.60 | 2.61 | 4.12 | 5.60 | 3.83 | 2.57 | 2.48 | 5.00 | 15.28 | 3.36 | 4.11 | 2.88 | 4.65 | 4.50 | 3.23 | 1.25 | — | — | -1.01 | 6.55 | — |
| — | +1.4% | +66.4% | +11.9% | -74.9% | -23.3% | -39.7% | +73.5% | +228.6% | -25.5% | +26.9% | +130.6% | — | — | +420.1% | -80.9% | — | — | — | — | — | |
| EV / EBIT | 3.08 | 2.61 | 3.91 | 5.30 | 3.72 | 2.51 | 2.41 | 4.83 | 14.58 | 3.31 | 3.89 | 2.84 | 4.96 | 4.37 | 3.16 | 1.23 | — | — | -1.02 | 7.73 | — |
| — | +3.9% | +61.9% | +9.7% | -74.5% | -24.1% | -37.9% | +70.2% | +193.7% | -24.3% | +23.2% | +130.4% | — | — | +411.0% | -84.1% | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 86.3% | 100.0% | 48.1% | 85.6% | 88.5% | 60.1% | 53.5% | 51.1% | 28.8% | 60.2% | 56.8% | 64.5% | 53.6% | 55.4% | 45.9% | 52.0% | -253.5% | -8.3% | 41.2% | 20.2% | 15.9% |
| — | +66.3% | -10.1% | +67.5% | +207.8% | -0.0% | -5.8% | -20.7% | -46.4% | +8.6% | +23.7% | +24.0% | +121.2% | +767.0% | +11.6% | +157.1% | -1697.5% | -203.6% | +1725.4% | +530.4% | +493.4% | |
| Operating Margin | 42.6% | 36.7% | 34.4% | 36.2% | 42.4% | 46.9% | 43.5% | 36.3% | 11.2% | 44.5% | 36.2% | 47.2% | 33.6% | 34.4% | 30.5% | 37.5% | -261.3% | -37.8% | 19.1% | -1.7% | -4.0% |
| — | -21.8% | -20.8% | -0.5% | +277.1% | +5.6% | +20.0% | -22.9% | -66.6% | +29.3% | +19.0% | +25.8% | +112.9% | +190.9% | +59.9% | +2316.1% | -6410.3% | -230.9% | +190.4% | +89.6% | +78.6% | |
| Net Margin | 31.8% | 27.4% | 26.5% | 27.0% | 30.8% | 36.0% | 30.6% | 29.6% | 6.3% | 34.2% | 27.7% | 35.5% | 24.5% | 20.1% | 24.2% | 295.9% | -261.5% | -97.4% | -108.0% | -56.8% | -1.5% |
| — | -23.7% | -13.3% | -8.7% | +391.5% | +5.1% | +10.4% | -16.5% | -74.5% | +70.2% | +14.7% | -88.0% | +109.4% | +120.6% | +122.4% | +621.3% | -17351.6% | -1007.1% | -614.2% | -416.8% | +89.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 38.6% | 5.6% | 6.5% | 5.9% | 8.2% | 10.5% | 9.6% | 8.6% | 2.0% | 11.7% | 8.9% | 12.7% | 9.9% | 9.1% | 18.2% | 320.1% | — | -57.3% | -31.1% | -10.9% | -0.7% |
| — | -46.9% | -31.9% | -31.0% | +312.5% | -10.0% | +7.1% | -32.1% | -79.8% | +28.5% | -50.8% | -96.0% | — | +115.8% | +158.4% | +3037.9% | — | -1302.5% | -389.8% | -144.5% | +90.9% | |
| ROA | 9.3% | 1.6% | 2.0% | 1.9% | 2.4% | 2.6% | 2.1% | 1.8% | 0.4% | 2.3% | 1.6% | 2.2% | 1.3% | 0.8% | 1.2% | 12.5% | -10.3% | -2.6% | -2.8% | -1.3% | -0.1% |
| — | -36.1% | -7.4% | +3.5% | +462.9% | +12.3% | +32.2% | -18.5% | -67.5% | +181.2% | +29.7% | -82.3% | +112.6% | +131.2% | +143.9% | +1064.3% | -13250.1% | -489.8% | -254.9% | -105.8% | +93.3% | |
| ROIC | 41.0% | 8.0% | 6.6% | 6.1% | 11.4% | 18.6% | 15.0% | 7.9% | 2.8% | 14.9% | 17.8% | 19.1% | 8.7% | 6.9% | 9.0% | 18.0% | — | -43.7% | 8.4% | -0.3% | -1.6% |
| — | -57.2% | -55.7% | -23.5% | +306.3% | +25.2% | -15.6% | -58.6% | -67.8% | +116.2% | +98.4% | +5.7% | — | +115.7% | +6.8% | +5642.0% | — | -770.0% | +194.6% | +94.6% | +84.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.48 | 0.43 | 0.45 | 0.46 | 0.48 | 0.47 | 0.52 | 0.58 | 0.65 | 0.57 | 0.67 | 0.73 | 0.89 | 1.24 | 1.33 | 1.79 | — | 1.92 | 0.94 | 0.57 | 0.48 |
| — | -7.9% | -14.2% | -21.3% | -25.7% | -18.8% | -21.9% | -20.0% | -27.0% | -53.7% | -49.9% | -59.3% | — | -35.3% | +41.1% | +214.5% | — | +310.0% | +113.5% | +35.8% | +24.3% | |
| Debt / EBITDA | 1.02 | 5.39 | 5.23 | 5.73 | 4.00 | 3.47 | 3.88 | 5.46 | 13.67 | 3.82 | 5.55 | 4.44 | 6.27 | 7.42 | 6.10 | 4.16 | — | — | 10.78 | 97.66 | — |
| — | +55.5% | +34.7% | +5.0% | -70.8% | -9.2% | -30.0% | +23.0% | +118.0% | -48.5% | -9.1% | +6.6% | — | — | -43.4% | -95.7% | — | — | — | — | — | |
| Current Ratio | 1.22 | — | 1.22 | 1.26 | 1.22 | — | 1.13 | 1.13 | — | — | — | — | — | — | — | — | 17.30 | — | — | — | — |
| — | — | +7.7% | +11.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 1.22 | — | 1.22 | 1.26 | 1.22 | — | 1.13 | 1.13 | — | — | — | — | — | — | — | — | 20.23 | — | — | — | — |
| — | — | +7.7% | +11.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 14.20 | 12.08 | 13.12 | 11.99 | 14.77 | 16.58 | 14.81 | 10.64 | 4.19 | 12.91 | 8.26 | 12.54 | 8.20 | 7.64 | 9.24 | 13.45 | -120.11 | -10.67 | 6.15 | 0.58 | -1.60 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ACIC stock.
American Coastal Insurance Corporation's current P/E is 5.6x. The average P/E over the last 4 quarters is 6.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
American Coastal Insurance Corporation's current operating margin is 42.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking American Coastal Insurance Corporation's business trajectory between earnings reports.