Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
American Coastal Insurance Corporation's quarterly P/E stands at 6.0x, down 82.3% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 77.9% YoY to 3.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 4.88 | 5.96 | 4.38 | 5.25 | 6.73 | 33.65 | 4.94 | 6.76 | 5.57 | 7.63 | 7.67 | 2.72 | 0.12 |
| — | -82.3% | -11.4% | -22.4% | +20.8% | +341.1% | -35.5% | +148.7% | +4630.6% | — | — | — | — | |
| P/S Ratio | 1.51 | 1.83 | 1.57 | 1.60 | 1.99 | 2.10 | 1.70 | 1.90 | 1.97 | 1.86 | 1.55 | 0.66 | 0.34 |
| — | -13.3% | -7.3% | -15.8% | +1.1% | +13.3% | +9.9% | +185.6% | +478.4% | +1745.0% | +1530.8% | +152.8% | -44.1% | |
| P/B Ratio | 1.65 | 1.99 | 1.74 | 1.89 | 2.20 | 2.82 | 2.15 | 2.34 | 2.57 | 2.56 | 2.69 | 1.74 | 1.47 |
| — | -29.7% | -19.2% | -19.2% | -14.3% | +10.2% | -20.2% | +34.4% | +74.4% | — | +685.1% | +332.2% | +186.5% | |
| P/FCF | 7.16 | — | — | 1.08 | 5.44 | 104.57 | — | 1.03 | 1.05 | 2.21 | 1.69 | — | — |
| — | — | — | +4.6% | +417.6% | +4628.6% | — | — | — | — | — | — | — | |
| EV / EBITDA | 2.82 | 3.38 | 2.57 | 2.48 | 5.00 | 15.28 | 3.36 | 4.11 | 2.88 | 4.65 | 4.50 | 3.23 | 1.25 |
| — | -77.9% | -23.3% | -39.7% | +73.5% | +228.6% | -25.5% | +26.9% | +130.6% | — | — | +420.1% | -80.9% | |
| EV / EBIT | 3.23 | 3.72 | 2.51 | 2.41 | 4.83 | 14.58 | 3.31 | 3.89 | 2.84 | 4.96 | 4.37 | 3.16 | 1.23 |
| — | -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.
American Coastal Insurance Corporation's operating margin was 42.4% in Q4 2025, down 4.5 pp QoQ and up 31.2 pp YoY. Gross margin expanded 207.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 86.3% | 88.5% | 60.1% | 53.5% | 51.1% | 28.8% | 60.2% | 56.8% | 64.5% | 53.6% | 55.4% | 45.9% | 52.0% |
| — | +207.8% | -0.0% | -5.8% | -20.7% | -46.4% | +8.6% | +23.7% | +24.0% | +121.2% | +767.0% | +11.6% | +157.1% | |
| Operating Margin | 42.6% | 42.4% | 46.9% | 43.5% | 36.3% | 11.2% | 44.5% | 36.2% | 47.2% | 33.6% | 34.4% | 30.5% | 37.5% |
| — | +277.1% | +5.6% | +20.0% | -22.9% | -66.6% | +29.3% | +19.0% | +25.8% | +112.9% | +190.9% | +59.9% | +2316.1% | |
| Net Margin | 31.8% | 30.8% | 36.0% | 30.6% | 29.6% | 6.3% | 34.2% | 27.7% | 35.5% | 24.5% | 20.1% | 24.2% | 295.9% |
| — | +391.5% | +5.1% | +10.4% | -16.5% | -74.5% | +70.2% | +14.7% | -88.0% | +109.4% | +120.6% | +122.4% | +621.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 38.6% | 8.2% | 10.5% | 9.6% | 8.6% | 2.0% | 11.7% | 8.9% | 12.7% | 9.9% | 9.1% | 18.2% | 320.1% |
| — | +312.5% | -10.0% | +7.1% | -32.1% | -79.8% | +28.5% | -50.8% | -96.0% | — | +115.8% | +158.4% | +3037.9% | |
| ROA | 9.3% | 2.4% | 2.6% | 2.1% | 1.8% | 0.4% | 2.3% | 1.6% | 2.2% | 1.3% | 0.8% | 1.2% | 12.5% |
| — | +462.9% | +12.3% | +32.2% | -18.5% | -67.5% | +181.2% | +29.7% | -82.3% | +112.6% | +131.2% | +143.9% | +1064.3% | |
| ROIC | 41.0% | 11.4% | 18.6% | 15.0% | 7.9% | 2.8% | 14.9% | 17.8% | 19.1% | 8.7% | 6.9% | 9.0% | 18.0% |
| — | +306.3% | +25.2% | -15.6% | -58.6% | -67.8% | +116.2% | +98.4% | +5.7% | — | +115.7% | +6.8% | +5642.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
American Coastal Insurance Corporation's Debt/EBITDA ratio is 3.5x — at a moderate level that warrants monitoring.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.48 | 0.48 | 0.47 | 0.52 | 0.58 | 0.65 | 0.57 | 0.67 | 0.73 | 0.89 | 1.24 | 1.33 | 1.79 |
| — | -25.7% | -18.8% | -21.9% | -20.0% | -27.0% | -53.7% | -49.9% | -59.3% | — | -35.3% | +41.1% | +214.5% | |
| Debt / EBITDA | 0.93 | 3.53 | 3.47 | 3.88 | 5.46 | 13.67 | 3.82 | 5.55 | 4.44 | 6.27 | 7.42 | 6.10 | 4.16 |
| — | -74.2% | -9.2% | -30.0% | +23.0% | +118.0% | -48.5% | -9.1% | +6.6% | — | — | -43.4% | -95.7% | |
| Current Ratio | 1.22 | 1.22 | — | 1.13 | 1.13 | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 1.22 | 1.22 | — | 1.13 | 1.13 | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 14.20 | 14.77 | 16.58 | 14.81 | 10.64 | 4.19 | 12.91 | 8.26 | 12.54 | 8.20 | 7.64 | 9.24 | 13.45 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying ACIC stock.
American Coastal Insurance Corporation's current P/E is 4.9x. The average P/E over the last 4 quarters is 5.6x. 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 expanding 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.