ACIC Stock Analysis: American Coastal Insurance | NASDAQ
Insurance - Property & Casualty | NASDAQ, USA | Market Cap: 552m USD | 12M Return: 8.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.28M
Qual. Beats: 0
Rev. Trend: 29.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
American Coastal Insurance Corporation (NASDAQ: ACIC) is a U.S. property and casualty insurer writing both personal and commercial lines. Personal products include homeowners, renters, and condominium unit-owner coverage for structure, contents, and liability, while commercial offerings center on multi-peril property insurance for condominium associations and apartments, protecting buildings, inventory, and equipment against fire, wind, hail, water, theft, and vandalism. The company also writes equipment breakdown, identity theft, and flood policies and distributes through a network of independent agents.
ACIC is headquartered in Saint Petersburg, Florida, was founded in 1999, and was renamed from United Insurance Holdings Corp. in July 2023. As a coastal-focused P&C writer, the company operates in a segment where Florida concentrated catastrophe exposure and heavy reliance on reinsurance are defining features of the business model, making underwriting results sensitive to hurricane activity and state rate-adequacy conditions.
- Florida hurricane losses pressure combined ratio and reinsurance costs
- Property insurance rate increases boost premium growth in coastal markets
- Florida regulatory reforms reshape competitive landscape and policy retention
| Net Income: 104.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -8.66 > 1.0 |
| NWC/Revenue: 39.69% < 20% (prev 29.77%; Δ 9.92% < -1%) |
| CFO/TA 0.04 > 3% & CFO 38.8m > Net Income 104.7m |
| Net Debt (-74.3m) to EBITDA (163.5m): -0.45 < 3 |
| Current Ratio: 1.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (49.8m) vs 12m ago 0.49% < -2% |
| Gross Margin: 71.19% > 18% (prev 49.02%; Δ 22.17% > 0.5%) |
| Asset Turnover: 31.00% > 50% (prev 26.04%; Δ 4.96% > 0%) |
| Interest Coverage Ratio: 14.63 > 6 (EBIT TTM 152.7m / Interest Expense TTM 10.4m) |
| A: 0.13 (Total Current Assets 640.5m - Total Current Liabilities 507.8m) / Total Assets 997.0m |
| B: -0.10 (Retained Earnings -95.3m / Total Assets 997.0m) |
| C: 0.14 (EBIT TTM 152.7m / Avg Total Assets 1.08b) |
| D: 0.50 (Book Value of Equity 331.7m / Total Liabilities 665.3m) |
| Altman-Z'' = 2.04 = BBB |
| DSRI: 0.67 (Receivables 197.9m/267.1m, Revenue 334.2m/302.0m) |
| GMI: 0.69 (GM 49.02% / 71.19%) |
| AQI: 1.12 (AQ_t 0.36 / AQ_t-1 0.32) |
| SGI: 1.11 (Revenue 334.2m / 302.0m) |
| TATA: 0.07 (NI 104.7m - CFO 38.8m) / TA 997.0m) |
| Beneish M = -3.42 (Cap -4..+1) = AA |
As of July 10, 2026, the stock is trading at USD 11.18 with a total of 187,448 shares traded. Over the past week, the price has changed by -1.76%, over one month by +8.97%, over three months by -4.69% and over the past year by +8.05%.
Current recommended Stop Loss: 10.80 (which is 3.4% or 1.3 ATR below the current price).
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 | 25.2% |
P/E Trailing = 5.3178
P/E Forward = 10.7296
P/S = 1.649
P/B = 1.662
P/EG = 3.577
Revenue TTM = 334.2m USD
EBIT TTM = 152.7m USD
EBITDA TTM = 163.5m 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 = -74.3m USD (calculated: Debt 155.6m - CCE 229.9m)
Enterprise Value = 477.2m USD (551.5m + Debt 155.6m - CCE 229.9m)
Interest Coverage Ratio = 14.63 (Ebit TTM 152.7m / Interest Expense TTM 10.4m)
EV/FCF = 12.35x (Enterprise Value 477.2m / FCF TTM 38.7m)
FCF Yield = 8.10% (FCF TTM 38.7m / Enterprise Value 477.2m)
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 = 0.48 (Enterprise Value 477.2m / Total Assets 997.0m)
Interest Expense / Debt = 6.71% (Interest Expense 10.4m / Debt 155.6m)
Taxrate = 25.27% (36.0m / 142.3m)
NOPAT = 114.1m (EBIT 152.7m * (1 - 25.27%))
Current Ratio = 1.26 (Total Current Assets 640.5m / Total Current Liabilities 507.8m)
Debt / Equity = 0.47 (Debt 155.6m / totalStockholderEquity, last quarter 331.7m)
Debt / EBITDA = -0.45 (Net Debt -74.3m / EBITDA 163.5m)
Debt / FCF = -1.92 (Net Debt -74.3m / FCF TTM 38.7m)
Total Stockholder Equity = 317.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 9.71% (Net Income 104.7m / Total Assets 997.0m)
RoE = 33.02% (Net Income TTM 104.7m / Total Stockholder Equity 317.2m)
RoCE = 32.73% (EBIT 152.7m / Capital Employed (Equity 317.2m + L.T.Debt 149.4m))
RoIC = 24.14% (NOPAT 114.1m / Invested Capital 472.9m)
WACC = 6.41% (E(551.5m)/V(707.1m) * Re(6.80%) + D(155.6m)/V(707.1m) * Rd(6.71%) * (1-Tc(0.25)))
Discount Rate = 6.80% (= 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 = 20.62 (EV 925.0m - Net Debt -74.3m = Equity 999.3m / Shares 48.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.50 | # 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=-40% | Analysts=2
EPS next Quarter (2026-09-30): EPS=-0.12 | Chg30d=N/A | Revisions=-25% | Analysts=2
EPS current Year (2026-12-31): EPS=0.95 | Chg30d=-35.47% | Revisions=-40% | GrowthEPS=-54.1% | GrowthRev=-6.7%
EPS next Year (2027-12-31): EPS=1.20 | Chg30d=-22.33% | Revisions=-40% | GrowthEPS=+25.7% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: -70% (up=0, down=7)