American Coastal Insurance Corporation
ACIC | NASDAQ
$9.21
+$0.03 (+0.33%)
Sep 21, 2026, 1:44 PM ET · Market open
Market Data
Market Cap $444.9M
Enterprise Value $269.4M
Beta -0.48
Average Volume 292.12K
Shares Outstanding (Diluted) 49.3M
Shares Change YoY -0.67%
Institutional Ownership 35.39%
Exchange NASDAQ
ISIN US9107101027
Price Performance
Price Change 1M -3.5%
Price Change 3M -14.4%
Price Change 6M -19.2%
Price Change YTD -19.3%
Price Change 1Y -17.6%
Price Change 3Y 23.4%
Price Change 5Y 163.8%
1M CAGR (ann.) -10.7%
1Y CAGR (ann.) -12.3%
5Y CAGR (ann.) 27.2%
All-Time CAGR 3.3%
Valuation
PE Ratio 4.57
Forward PE 6.98
PEG Ratio 0.18
Forward PEG 0.39
PS Ratio 1.35
Forward PS 0.90
PB Ratio 1.31
P/FCF Ratio -14.33
P/Adj. FCF Ratio -12.37
P/OCF Ratio -14.34
EV/Sales 0.82
EV/EBIT 1.88
EV/EBITDA 1.76
EV/FCF -8.68
Earnings Yield 21.9%
FCF Yield -7.0%
Adj. FCF Yield -8.1%
Financial Health
Net Cash $178.52M
Total Debt $152.54M
Cash & Short-Term Investments $328.04M
Total Assets $1.24B
Current Ratio 1.22
Quick Ratio 1.22
Debt / Equity Ratio 0.45
Debt / EBITDA 1.00
Debt / FCF -4.91
OCF / Debt -0.20
Interest Coverage 13.23
Altman Z-Score 1.01
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 70.0%
Operating Profit Margin 40.3%
EBITDA Margin 46.3%
Net Profit Margin 30.3%
FCF Margin -9.4%
Adj. FCF Margin -10.9%
SBC / Revenue 1.5%
SBC Impact (per share) -15.9%
Returns
Return on Assets 8.1%
Return on Equity 30.4%
Return on Invested Capital 19.8%
Return on Capital Employed 26.3%
Return on Tangible Assets 8.9%
Historical Growth (CAGR)
Revenue CAGR 3Y -1.9%
Revenue CAGR 5Y -15.6%
Revenue CAGR 10Y -2.3%
EPS CAGR 3Y 17.5%
EPS CAGR 5Y 3009.1%
EPS CAGR 10Y 2.2%
FCF CAGR 3Y -122.6%
FCF CAGR 5Y 238.5%
FCF CAGR 10Y -21.7%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 5
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 3, 2026
EPS Estimate (next Q) $0.10
EPS Growth Est (next Q) -83.6%
Revenue Est (next Q) $64.63M
Revenue Growth Est (next Q) -28.4%
Fair Value Estimates
Graham Number $17.91
Graham Upside 95.1%
Lynch Fair Value $50.25
Lynch Upside 447.4%
Price Target $13
Price Target Upside 41.6%
Cash Flow
Operating Cash Flow $-30.61M
Free Cash Flow $-31.04M
Adj. Free Cash Flow $-35.97M
FCF Per Share -$0.65
OCF Per Share -$0.64
OCF/S Ratio -9.3%
Income Statement
Revenue $330.38M
Gross Profit $231.44M
Operating Income $133.14M
EBITDA $153.05M
Net Income $100.2M
EPS (Diluted) $2.01
Revenue / Employee $4.86M
Profit / Employee $1.47M
Employees 68
Dividends
Annual Dividend $0.75
Dividend Yield 8.17%
Payout Ratio 37.3%
FCF Payout Ratio -117.8%
Adj. FCF Payout Ratio -101.7%
Dividend Growth (YoY) 212.5%
Pay Frequency Annual
Ex-Dividend Date Jan 1, 2026
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