American Coastal Insurance Corporation (ACIC) P/E Ratio History
Deep ValueTrading at 4.9x · 5th percentile of 5-year range · Significant discount to historical valuation · Data 2008–2025
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P/E Ratio Analysis
As of June 22, 2026, American Coastal Insurance Corporation (ACIC) trades at a price-to-earnings ratio of 4.9x, with a stock price of $10.50 and trailing twelve-month earnings per share of $2.14.
The current P/E is 97% below its 5-year average of 167.2x. Over the past five years, ACIC's P/E has ranged from a low of 1.4x to a high of 1662.0x, placing the current valuation at the 5th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, ACIC trades at a 64% discount to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
Relative to the broader market, ACIC trades at a notable discount to the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our ACIC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
ACIC Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
ACIC P/E vs Peers
Personal auto and homeowners insurers peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 6.6 | 0.14 | +180% | |
| $706M | 3.7Lowest | 0.05Best | +214%Best | |
| $57B | 5.8 | 0.34 | +125% | |
| $67B | 11.2 | 0.53 | +28% | |
| $126B | 12.6 | 0.47 | +13% | |
| $35B | 9.6 | 0.42 | +29% | |
| $26B | 11.2 | 0.74 | +4% | |
| $25B | 15.1 | 0.52 | +2% | |
| $13B | 5.3 | 0.18 | +61% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
ACIC Historical P/E Data (2008–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $12.63 | $2.14 | 5.9x | -92% |
| FY2025 Q3 | - | $11.39 | $1.71 | 6.7x | -91% |
| FY2025 Q2 | Jun 30 2025 | $11.12 | $1.63 | 6.8x | -91% |
| FY2025 Q1 | Mar 31 2025 | $11.57 | $1.49 | 7.8x | -90% |
| FY2024 Q4 | - | $13.46 | $1.54 | 8.7x | -88% |
| FY2024 Q3 | Sep 30 2024 | $11.27 | $1.75 | 6.4x | -92% |
| FY2024 Q2 | Jun 30 2024 | $10.55 | $1.42 | 7.4x | -90% |
| FY2024 Q1 | Mar 31 2024 | $10.69 | $1.44 | 7.4x | -90% |
| FY2023 Q4 | Dec 31 2023 | $9.46 | $6.95 | 1.4x | -98% |
| FY2019 Q1 | Mar 31 2019 | $15.90 | $0.03 | 530.0x | +599% |
| FY2018 Q4 | Dec 31 2018 | $16.62 | $0.01 | 1662.0x | +2092% |
| FY2018 Q3 | Sep 30 2018 | $22.38 | $0.90 | 24.9x | -67% |
| FY2018 Q2 | Jun 30 2018 | $19.58 | $0.51 | 38.4x | -49% |
| FY2018 Q1 | Mar 31 2018 | $19.14 | $0.34 | 56.3x | -26% |
| FY2017 Q4 | Dec 31 2017 | $17.25 | $0.32 | 53.9x | -29% |
| FY2017 Q2 | Jun 30 2017 | $15.73 | $0.02 | 786.5x | +937% |
| FY2017 Q1 | Mar 31 2017 | $15.95 | $0.30 | 53.2x | -30% |
| FY2016 Q4 | Dec 31 2016 | $15.14 | $0.26 | 58.2x | -23% |
| FY2016 Q3 | Sep 30 2016 | $16.98 | $1.39 | 12.2x | -84% |
| FY2016 Q2 | - | $16.38 | $1.61 | 10.2x | -87% |
| FY2016 Q1 | - | $19.21 | $1.41 | 13.6x | -82% |
| FY2015 Q4 | - | $17.10 | $1.28 | 13.4x | -82% |
| FY2015 Q3 | Sep 30 2015 | $13.15 | $1.19 | 11.1x | -85% |
| FY2015 Q2 | - | $15.54 | $1.22 | 12.7x | -83% |
| FY2015 Q1 | - | $22.50 | $1.43 | 15.7x | -79% |
| FY2014 Q4 | Dec 31 2014 | $21.95 | $2.07 | 10.6x | -86% |
| FY2014 Q3 | - | $15.00 | $1.97 | 7.6x | -90% |
| FY2014 Q2 | Jun 30 2014 | $17.26 | $1.82 | 9.5x | -87% |
| FY2014 Q1 | Mar 31 2014 | $14.61 | $1.64 | 8.9x | -88% |
| FY2013 Q4 | - | $14.08 | $1.26 | 11.2x | -85% |
| FY2013 Q3 | Sep 30 2013 | $8.83 | $0.90 | 9.8x | -87% |
| FY2013 Q2 | Jun 30 2013 | $6.99 | $0.73 | 9.6x | -87% |
| FY2013 Q1 | Mar 31 2013 | $5.73 | $0.74 | 7.7x | -90% |
| FY2012 Q4 | Dec 31 2012 | $6.01 | $0.93 | 6.5x | -91% |
| FY2012 Q3 | Sep 30 2012 | $6.00 | $1.15 | 5.2x | -93% |
| FY2012 Q2 | Jun 30 2012 | $5.25 | $1.41 | 3.7x | -95% |
| FY2012 Q1 | Mar 31 2012 | $5.95 | $1.13 | 5.3x | -93% |
| FY2011 Q4 | Dec 31 2011 | $4.40 | $0.78 | 5.6x | -93% |
| FY2011 Q3 | Sep 30 2011 | $4.25 | $0.74 | 5.7x | -92% |
| FY2011 Q2 | - | $4.25 | $0.36 | 11.8x | -84% |
| FY2011 Q1 | - | $3.05 | $0.37 | 8.2x | -89% |
| FY2009 Q4 | - | $3.80 | $0.39 | 9.7x | -87% |
| FY2009 Q3 | Sep 30 2009 | $4.35 | $1.15 | 3.8x | -95% |
| FY2009 Q2 | - | $4.70 | $1.97 | 2.4x | -97% |
| FY2009 Q1 | - | $4.75 | $1.71 | 2.8x | -96% |
| FY2008 Q4 | Dec 31 2008 | $2.60 | $1.39 | 1.9x | -98% |
| FY2008 Q3 | - | $4.40 | $0.75 | 5.9x | -92% |
Average P/E for displayed period: 75.8x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
18+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
ACIC — Frequently Asked Questions
Quick answers to the most common questions about buying ACIC stock.
What is ACIC's P/E ratio?
American Coastal Insurance Corporation (ACIC) trailing twelve-month P/E ratio is 4.9x, based on TTM diluted EPS of $2.14. The 5-year average P/E is 167.2x and the historical range spans 1.4x to 1662.0x.
Is ACIC stock overvalued or undervalued?
ACIC trades at 4.9x P/E, below its 5-year average of 167.2x. At the 5th percentile of its historical range (1.4x–1662.0x), the stock is priced at a discount to its own history.
Is ACIC stock expensive?
No, ACIC is not expensive on a historical basis. The current P/E of 4.9x is below the 5-year average of 167.2x and sits at the 5th percentile of its valuation range.
What is ACIC's historical P/E range?
Over the past 5 years, ACIC's P/E ratio has ranged from 1.4x to 1662.0x, with a median of 12.2x and an average of 167.2x. The current P/E of 4.9x places the stock at the 5th percentile of this range. Full historical data spans 2008–2025.
How does ACIC's P/E compare to the S&P 500?
ACIC trades at 4.9x P/E versus the S&P 500 median of 24.4x. The 80% discount to the market suggests lower growth expectations or perceived higher risk.
How does ACIC's valuation compare to Financial Services peers?
American Coastal Insurance Corporation P/E of 4.9x compares to the Financial Services sector median of 13.6x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is ACIC's PEG ratio?
ACIC PEG ratio is N/A, based on a P/E of 4.9x and EPS growth of 40.5%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is ACIC's earnings yield?
ACIC earnings yield is 20.48%, the inverse of its 4.9x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.