(ACIC) American Coastal Insurance - Overview
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NASDAQ (USA) | Market Cap: 523m USD | Total Return: 6.1% in 12m
Avg Turnover: 2.39M
Qual. Beats: 0
Rev. Trend: 29.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
American Coastal Insurance Corporation (ACIC), formerly United Insurance Holdings Corp., is a Florida-based provider of property and casualty insurance specializing in both commercial and residential sectors. The company’s portfolio includes coverage for single-family homes, condominiums, and apartments, protecting against perils such as wind, fire, and flood. Its distribution model relies exclusively on a network of independent agencies to market its products across the United States.
Operating primarily in the commercial residential space, ACIC focuses on multi-peril property insurance for large-scale associations. This niche within the property and casualty sector often requires specialized underwriting to manage catastrophe exposure, particularly in coastal regions prone to hurricane risk. The company’s 2023 rebranding reflects a strategic pivot toward these commercial-focused lines of business.
Investors can further evaluate the companys valuation metrics and historical performance by visiting ValueRay. Detailed financial disclosures and regulatory filings provide additional clarity on the firms risk management strategies.
- Florida commercial residential insurance rates drive premium growth and underwriting margins
- Reinsurance costs and catastrophic weather events dictate net income and solvency
- Regulatory environment in Florida property market impacts capital requirements and litigation costs
- Transition to focused commercial lines portfolio stabilizes long-term loss ratios
- Independent agency distribution network performance determines market share and policy retention
| Net Income: 104.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -7.67 > 1.0 |
| NWC/Revenue: -83.55% < 20% (prev 29.77%; Δ -113.3% < -1%) |
| CFO/TA 0.05 > 3% & CFO 38.8m > Net Income 104.7m |
| Net Debt (-1.62b) to EBITDA (148.0m): -10.95 < 3 |
| Current Ratio: 0.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (49.8m) vs 12m ago 0.49% < -2% |
| Gross Margin: 71.19% > 18% (prev 0.49%; Δ 7.07k% > 0.5%) |
| Asset Turnover: 34.21% > 50% (prev 26.04%; Δ 8.17% > 0%) |
| Interest Coverage Ratio: 13.63 > 6 (EBITDA TTM 148.0m / Interest Expense TTM 10.4m) |
| A: -0.35 (Total Current Assets 315.7m - Total Current Liabilities 594.9m) / Total Assets 794.2m |
| B: -0.12 (Retained Earnings -95.3m / Total Assets 794.2m) |
| C: 0.15 (EBIT TTM 142.3m / Avg Total Assets 976.9m) |
| D: -0.22 (Book Value of Equity -103.7m / Total Liabilities 462.5m) |
| Altman-Z'' = -1.95 = D |
| DSRI: 0.26 (Receivables 76.7m/267.1m, Revenue 334.2m/302.0m) |
| GMI: 0.69 (GM 71.19% / 49.02%) |
| AQI: 1.90 (AQ_t 0.60 / AQ_t-1 0.32) |
| SGI: 1.11 (Revenue 334.2m / 302.0m) |
| TATA: 0.08 (NI 104.7m - CFO 38.8m) / TA 794.2m) |
| Beneish M = -3.22 (Cap -4..+1) = AA |
As of May 26, 2026, the stock is trading at USD 10.80 with a total of 301,300 shares traded.
Over the past week, the price has changed by -0.46%,
over one month by -10.89%,
over three months by -4.17% and
over the past year by +6.12%.
American Coastal Insurance has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold ACIC.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 14 | 29.6% |
P/E Trailing = 5.0467
P/E Forward = 7.6511
P/S = 1.5649
P/B = 1.5765
P/EG = 2.5508
Revenue TTM = 334.2m USD
EBIT TTM = 142.3m USD
EBITDA TTM = 148.0m USD
Long Term Debt = 149.4m USD (from longTermDebt, last quarter)
Short Term Debt = 398k USD (from shortTermDebt, last fiscal year)
Debt = 155.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 3.08m
Net Debt = -1.62b USD (calculated: Debt 155.6m - CCE 1.78b)
Enterprise Value = 523.4m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 13.63 (Ebit TTM 142.3m / Interest Expense TTM 10.4m)
EV/FCF = 13.54x (Enterprise Value 523.4m / FCF TTM 38.7m)
FCF Yield = 7.38% (FCF TTM 38.7m / Enterprise Value 523.4m)
FCF Margin = 11.56% (FCF TTM 38.7m / Revenue TTM 334.2m)
Net Margin = 31.34% (Net Income TTM 104.7m / Revenue TTM 334.2m)
Gross Margin = 71.19% ((Revenue TTM 334.2m - Cost of Revenue TTM 96.3m) / Revenue TTM)
Gross Margin QoQ = 85.62% (prev 88.54%)
Tobins Q-Ratio = 0.66 (Enterprise Value 523.4m / Total Assets 794.2m)
Interest Expense / Debt = 6.71% (Interest Expense 10.4m / Debt 155.6m)
Taxrate = 25.24% (6.50m / 25.8m)
NOPAT = 106.4m (EBIT 142.3m * (1 - 25.24%))
Current Ratio = 0.53 (Total Current Assets 315.7m / Total Current Liabilities 594.9m)
Debt / Equity = 0.47 (Debt 155.6m / totalStockholderEquity, last quarter 331.7m)
Debt / EBITDA = -10.95 (Net Debt -1.62b / EBITDA 148.0m)
Debt / FCF = -41.92 (Net Debt -1.62b / FCF TTM 38.7m)
Total Stockholder Equity = 317.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 10.72% (Net Income 104.7m / Total Assets 794.2m)
RoE = 25.40% (Net Income TTM 104.7m / Total Stockholder Equity 412.5m)
RoCE = 25.32% (EBIT 142.3m / Capital Employed (Equity 412.5m + L.T.Debt 149.4m))
RoIC = -6.75% (NOPAT 106.4m / Invested Capital -1.58b)
WACC = 6.43% (E(523.4m)/V(679.0m) * Re(6.85%) + D(155.6m)/V(679.0m) * Rd(6.71%) * (1-Tc(0.25)))
Discount Rate = 6.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 86.67 | Cagr: 3.89%
[DCF] Terminal Value 73.10% ; FCFF base≈81.3m ; Y1≈71.3m ; Y5≈57.6m
[DCF] Fair Price = 52.52 (EV 925.0m - Net Debt -1.62b = Equity 2.55b / Shares 48.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.21 | # QB: 0
Revenue Correlation: 29.43 | Revenue CAGR: 3.95% | SUE: -0.13 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.41 | Chg30d=-9.78% | Revisions=N/A | Analysts=2
EPS next Quarter (2026-09-30): EPS=-0.04 | Chg30d=N/A | Revisions=N/A | Analysts=2
EPS current Year (2026-12-31): EPS=1.13 | Chg30d=-23.65% | Revisions=-20% | GrowthEPS=-45.7% | GrowthRev=-6.7%
EPS next Year (2027-12-31): EPS=1.20 | Chg30d=-22.33% | Revisions=-20% | GrowthEPS=+6.2% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: -20%