Overview Dividends

(ACIC) American Coastal Insurance - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US9107101027

Homeowners, Renters, Condominium, Commercial Property, Equipment Breakdown

Property & Casualty Insurance
Market Cap in USD: 618m

IPO / Inception: 2007-11-07
Return 12m vs S&P 500: -17.2%

EPS (Earnings per Share)

EPS CAGR: 3.05%
EPS Trend: 58.0%

Last SUE: -1.90
Qual. Beats: 0

Revenue

Rev. CAGR: -13.35%
Rev. Trend: -10.1%

Last SUE: 0.98
Qual. Beats: 1

Dividends

Dividend Yield	9.90%
Yield on Cost 5y	24.22%
Yield CAGR 5y	20.14%
Payout Consistency	74.4%
Payout Ratio	71.4%

Risk via 5d forecast
Volatility	49.9%
Value at Risk 5%th	62.6%
Relative Tail Risk	-23.74%

Reward TTM
Sharpe Ratio	-0.01
Alpha	-10.86
CAGR/Max DD	2.30

Character TTM
Hurst Exponent	0.319
Beta	0.400
Beta Downside	0.407

Drawdowns 3y
Max DD	59.56%
Mean DD	14.92%
Median DD	15.37%

Description: ACIC American Coastal Insurance December 26, 2025

American Coastal Insurance Corp (NASDAQ: ACIC) writes commercial and personal property-and-casualty policies across the United States, focusing on homeowners, renters, condo owners, and residential association owners. Its product suite also includes equipment-breakdown, identity-theft, and cyber-security coverages, and distribution is handled through independent insurance agencies. The firm, originally United Insurance Holdings, rebranded in August 2023 and is headquartered in Saint Petersburg, Florida.

Key operating metrics that analysts watch include the combined ratio-currently reported at roughly 95% for the most recent quarter (indicative of underwriting profitability), net written premiums of about $250 million, and a return on equity near 6%, which is modest relative to the broader P&C sector. The company’s exposure to Florida’s hurricane corridor remains a material risk, especially as climate-related loss trends and reinsurance pricing tighten. Additionally, ACIC’s investment portfolio is sensitive to interest-rate movements; a 100-basis-point rise in rates could boost investment income by an estimated 3–4% of total earnings, partially offsetting underwriting volatility.

For a deeper, data-driven view of ACIC’s valuation assumptions and scenario analysis, you may find the ValueRay platform’s research tools useful.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (85.2m TTM) > 0 and > 6% of Revenue (6% = 19.7m TTM)

FCFTA 0.10 (>2.0%) and ΔFCFTA -15.22pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 487.9% (prev 158.3%; Δ 329.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.10 (>3.0%) and CFO 120.4m > Net Income 85.2m (YES >=105%, WARN >=100%)

Net Debt (-115.4m) to EBITDA (133.2m) ratio: -0.87 <= 3.0 (WARN <= 3.5)

Current Ratio 18.19 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (49.9m) change vs 12m ago 0.80% (target <= -2.0% for YES)

Gross Margin 48.84% (prev 58.98%; Δ -10.14pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 28.22% (prev 24.09%; Δ 4.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 11.51 (EBITDA TTM 133.2m / Interest Expense TTM 10.9m) >= 6 (WARN >= 3)

Altman Z'' 9.20

(A) 1.36 = (Total Current Assets 1.69b - Total Current Liabilities 93.0m) / Total Assets 1.18b

(B) -0.09 = Retained Earnings (Balance) -104.5m / Total Assets 1.18b

(D) -0.13 = Book Value of Equity -112.9m / Total Liabilities 851.6m

Total Rating: 9.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 83.54

1. Piotroski 4.0pt

2. FCF Yield 31.01%

3. FCF Margin 36.69%

4. Debt/Equity 0.47

5. Debt/Ebitda -0.87

6. ROIC - WACC (= 16.27)%

7. RoE 30.54%

8. Rev. Trend -10.07%

9. EPS Trend 57.96%

What is the price of ACIC shares?

As of January 01, 2026, the stock is trading at USD 12.63 with a total of 199,410 shares traded.
Over the past week, the price has changed by -0.39%, over one month by +6.76%, over three months by +10.89% and over the past year by -2.55%.

Is ACIC a buy, sell or hold?

American Coastal Insurance has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy ACIC.

Strong Buy: 0
Buy: 1
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the ACIC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	14	10.8%
Analysts Target Price	14	10.8%
ValueRay Target Price	17.9	41.4%

ACIC Fundamental Data Overview December 27, 2025

Market Cap USD = 618.3m (618.3m USD * 1.0 USD.USD)
P/E Trailing = 7.3295
P/S = 1.8833
P/B = 1.8897
P/EG = 3.35
Beta = -0.509
Revenue TTM = 327.8m USD
EBIT TTM = 125.9m USD
EBITDA TTM = 133.2m USD
Long Term Debt = 149.3m USD (from longTermDebt, last quarter)
Short Term Debt = 337.0k USD (from shortTermDebt, last fiscal year)
Debt = 152.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -115.4m USD (from netDebt column, last quarter)
Enterprise Value = 387.8m USD (618.3m + Debt 152.5m - CCE 383.0m)
Interest Coverage Ratio = 11.51 (Ebit TTM 125.9m / Interest Expense TTM 10.9m)
FCF Yield = 31.01% (FCF TTM 120.3m / Enterprise Value 387.8m)
FCF Margin = 36.69% (FCF TTM 120.3m / Revenue TTM 327.8m)
Net Margin = 26.00% (Net Income TTM 85.2m / Revenue TTM 327.8m)
Gross Margin = 48.84% ((Revenue TTM 327.8m - Cost of Revenue TTM 167.7m) / Revenue TTM)
Gross Margin QoQ = 60.15% (prev 53.49%)
Tobins Q-Ratio = 0.33 (Enterprise Value 387.8m / Total Assets 1.18b)
Interest Expense / Debt = 1.78% (Interest Expense 2.72m / Debt 152.5m)
Taxrate = 23.33% (9.89m / 42.4m)
NOPAT = 96.6m (EBIT 125.9m * (1 - 23.33%))
Current Ratio = 18.19 (Total Current Assets 1.69b / Total Current Liabilities 93.0m)
Debt / Equity = 0.47 (Debt 152.5m / totalStockholderEquity, last quarter 327.2m)
Debt / EBITDA = -0.87 (Net Debt -115.4m / EBITDA 133.2m)
Debt / FCF = -0.96 (Net Debt -115.4m / FCF TTM 120.3m)
Total Stockholder Equity = 279.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.23% (Net Income 85.2m / Total Assets 1.18b)
RoE = 30.54% (Net Income TTM 85.2m / Total Stockholder Equity 279.0m)
RoCE = 29.41% (EBIT 125.9m / Capital Employed (Equity 279.0m + L.T.Debt 149.3m))
RoIC = 22.55% (NOPAT 96.6m / Invested Capital 428.2m)
WACC = 6.28% (E(618.3m)/V(770.8m) * Re(7.49%) + D(152.5m)/V(770.8m) * Rd(1.78%) * (1-Tc(0.23)))
Discount Rate = 7.49% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 4.50%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈188.5m ; Y1≈123.7m ; Y5≈56.6m
Fair Price DCF = 22.81 (DCF Value 1.11b / Shares Outstanding 48.8m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 57.96 | EPS CAGR: 3.05% | SUE: -1.90 | # QB: 0
Revenue Correlation: -10.07 | Revenue CAGR: -13.35% | SUE: 0.98 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.45 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=1.40 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=-30.0% | Growth Revenue=+0.9%

Additional Sources for ACIC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle