AMERICAN COASTAL INSURANCE C (ACIC) Fundamental Analysis & Valuation

NASDAQ:ACIC • US9107101027

Current stock price

10.97 USD
-0.02 (-0.18%)
At close:
10.97 USD
0 (0%)
After Hours:

This ACIC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ACIC Profitability Analysis

1.1 Basic Checks

  • ACIC had positive earnings in the past year.
  • ACIC had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: ACIC reported negative net income in multiple years.
  • In multiple years ACIC reported negative operating cash flow during the last 5 years.
ACIC Yearly Net Income VS EBIT VS OCF VS FCFACIC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M

1.2 Ratios

  • With an excellent Return On Assets value of 9.96%, ACIC belongs to the best of the industry, outperforming 95.24% of the companies in the same industry.
  • The Return On Equity of ACIC (33.64%) is better than 96.60% of its industry peers.
  • With an excellent Return On Invested Capital value of 12.03%, ACIC belongs to the best of the industry, outperforming 93.20% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for ACIC is in line with the industry average of 9.36%.
  • The 3 year average ROIC (9.24%) for ACIC is below the current ROIC(12.03%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 9.96%
ROE 33.64%
ROIC 12.03%
ROA(3y)15.12%
ROA(5y)5.33%
ROE(3y)83.14%
ROE(5y)N/A
ROIC(3y)9.24%
ROIC(5y)N/A
ACIC Yearly ROA, ROE, ROICACIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 100 150 200 250

1.3 Margins

  • ACIC has a better Profit Margin (31.85%) than 95.92% of its industry peers.
  • ACIC has a Operating Margin of 45.78%. This is amongst the best in the industry. ACIC outperforms 97.28% of its industry peers.
Industry RankSector Rank
OM 45.78%
PM (TTM) 31.85%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ACIC Yearly Profit, Operating, Gross MarginsACIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 100 -100

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2

2. ACIC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ACIC is creating some value.
  • Compared to 1 year ago, ACIC has more shares outstanding
  • The number of shares outstanding for ACIC has been increased compared to 5 years ago.
  • Compared to 1 year ago, ACIC has a worse debt to assets ratio.
ACIC Yearly Shares OutstandingACIC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
ACIC Yearly Total Debt VS Total AssetsACIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • ACIC has a debt to FCF ratio of 2.11. This is a good value and a sign of high solvency as ACIC would need 2.11 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 2.11, ACIC perfoms like the industry average, outperforming 46.26% of the companies in the same industry.
  • ACIC has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of ACIC (0.47) is worse than 73.47% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for ACIC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 2.11
Altman-Z N/A
ROIC/WACC1.46
WACC8.22%
ACIC Yearly LT Debt VS Equity VS FCFACIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ACIC Yearly Current Assets VS Current LiabilitesACIC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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3

3. ACIC Growth Analysis

3.1 Past

  • ACIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.97%, which is quite impressive.
  • The Revenue has grown by 10.61% in the past year. This is quite good.
  • The Revenue for ACIC have been decreasing by -16.90% on average. This is quite bad
EPS 1Y (TTM)33.97%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%333.33%
Revenue 1Y (TTM)10.61%
Revenue growth 3Y-9.69%
Revenue growth 5Y-16.9%
Sales Q2Q%7.93%

3.2 Future

  • ACIC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -13.17% yearly.
  • ACIC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.67% yearly.
EPS Next Y-27.77%
EPS Next 2Y-13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-6.2%
Revenue Next 2Y-2.67%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ACIC Yearly Revenue VS EstimatesACIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
ACIC Yearly EPS VS EstimatesACIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2023 2024 2025 2026 2027 0 1 -1 2 -2

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6

4. ACIC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.25 indicates a rather cheap valuation of ACIC.
  • Compared to the rest of the industry, the Price/Earnings ratio of ACIC indicates a rather cheap valuation: ACIC is cheaper than 82.31% of the companies listed in the same industry.
  • ACIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • A Price/Forward Earnings ratio of 7.27 indicates a rather cheap valuation of ACIC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ACIC indicates a somewhat cheap valuation: ACIC is cheaper than 72.79% of the companies listed in the same industry.
  • ACIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 5.25
Fwd PE 7.27
ACIC Price Earnings VS Forward Price EarningsACIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ACIC is valued cheaply inside the industry as 81.63% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACIC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 7.53
EV/EBITDA 3.03
ACIC Per share dataACIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • ACIC has a very decent profitability rating, which may justify a higher PE ratio.
  • A cheap valuation may be justified as ACIC's earnings are expected to decrease with -13.17% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.17%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. ACIC Dividend Analysis

5.1 Amount

  • ACIC has a Yearly Dividend Yield of 6.84%, which is a nice return.
  • ACIC's Dividend Yield is rather good when compared to the industry average which is at 2.50. ACIC pays more dividend than 93.20% of the companies in the same industry.
  • ACIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 6.84%

5.2 History

  • ACIC has paid a dividend for at least 10 years, which is a reliable track record.
  • ACIC has decreased its dividend recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
ACIC Yearly Dividends per shareACIC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2025 2026 0.2 0.4 0.6

5.3 Sustainability

DP0%
EPS Next 2Y-13.17%
EPS Next 3YN/A
ACIC Yearly Income VS Free CF VS DividendACIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M

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ACIC Fundamentals: All Metrics, Ratios and Statistics

AMERICAN COASTAL INSURANCE C

NASDAQ:ACIC (4/2/2026, 8:06:52 PM)

After market: 10.97 0 (0%)

10.97

-0.02 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-06
Inst Owners34.6%
Inst Owner ChangeN/A
Ins Owners17.36%
Ins Owner Change-0.53%
Market Cap533.80M
Revenue(TTM)335.44M
Net Income(TTM)106.84M
Analysts80
Price Target14.28 (30.17%)
Short Float %2.5%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 6.84%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)37.36%
Min EPS beat(2)21.38%
Max EPS beat(2)53.34%
EPS beat(4)3
Avg EPS beat(4)0.3%
Min EPS beat(4)-76.47%
Max EPS beat(4)53.34%
EPS beat(8)7
Avg EPS beat(8)23.28%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-0.35%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)-0.22%
Revenue beat(4)1
Avg Revenue beat(4)0.14%
Min Revenue beat(4)-10.32%
Max Revenue beat(4)11.57%
Revenue beat(8)2
Avg Revenue beat(8)-2.51%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.22%
EPS NY rev (1m)0%
EPS NY rev (3m)5.71%
Revenue NQ rev (1m)-6.63%
Revenue NQ rev (3m)-6.63%
Revenue NY rev (1m)-8.4%
Revenue NY rev (3m)-8.4%
Valuation
Industry RankSector Rank
PE 5.25
Fwd PE 7.27
P/S 1.59
P/FCF 7.53
P/OCF 7.52
P/B 1.68
P/tB 2.1
EV/EBITDA 3.03
EPS(TTM)2.09
EY19.05%
EPS(NY)1.51
Fwd EY13.76%
FCF(TTM)1.46
FCFY13.28%
OCF(TTM)1.46
OCFY13.31%
SpS6.89
BVpS6.53
TBVpS5.23
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.52
Profitability
Industry RankSector Rank
ROA 9.96%
ROE 33.64%
ROCE 16.05%
ROIC 12.03%
ROICexc 15.18%
ROICexgc 25.86%
OM 45.78%
PM (TTM) 31.85%
GM N/A
FCFM 21.13%
ROA(3y)15.12%
ROA(5y)5.33%
ROE(3y)83.14%
ROE(5y)N/A
ROIC(3y)9.24%
ROIC(5y)N/A
ROICexc(3y)11.14%
ROICexc(5y)N/A
ROICexgc(3y)26.1%
ROICexgc(5y)N/A
ROCE(3y)12.33%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.31
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 2.11
Debt/EBITDA 0.93
Cap/Depr 2.36%
Cap/Sales 0.05%
Interest Coverage 14.12
Cash Conversion 44.36%
Profit Quality 66.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.22%
ROIC/WACC1.46
Cap/Depr(3y)1.48%
Cap/Depr(5y)12.45%
Cap/Sales(3y)0.04%
Cap/Sales(5y)0.32%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.97%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%333.33%
EPS Next Y-27.77%
EPS Next 2Y-13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.61%
Revenue growth 3Y-9.69%
Revenue growth 5Y-16.9%
Sales Q2Q%7.93%
Revenue Next Year-6.2%
Revenue Next 2Y-2.67%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y35.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-70.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-70.83%
OCF growth 3YN/A
OCF growth 5YN/A

AMERICAN COASTAL INSURANCE C / ACIC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for AMERICAN COASTAL INSURANCE C?

ChartMill assigns a fundamental rating of 4 / 10 to ACIC.


What is the valuation status for ACIC stock?

ChartMill assigns a valuation rating of 6 / 10 to AMERICAN COASTAL INSURANCE C (ACIC). This can be considered as Fairly Valued.


Can you provide the profitability details for AMERICAN COASTAL INSURANCE C?

AMERICAN COASTAL INSURANCE C (ACIC) has a profitability rating of 6 / 10.


What are the PE and PB ratios of AMERICAN COASTAL INSURANCE C (ACIC) stock?

The Price/Earnings (PE) ratio for AMERICAN COASTAL INSURANCE C (ACIC) is 5.25 and the Price/Book (PB) ratio is 1.68.


Can you provide the financial health for ACIC stock?

The financial health rating of AMERICAN COASTAL INSURANCE C (ACIC) is 2 / 10.