AMERICAN COASTAL INSURANCE C (ACIC) Stock Fundamental Analysis
USA - NASDAQ:ACIC - US9107101027 - Common Stock
11.93 USD
0 (0%)
Taking everything into account, ACIC scores 4 out of 10 in our fundamental rating. ACIC was compared to 147 industry peers in the Insurance industry. ACIC has a medium profitability rating, but doesn't score so well on its financial health evaluation. ACIC has a valuation in line with the averages, but on the other hand it scores bad on growth. ACIC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ACIC had positive earnings in the past year.
ACIC had a positive operating cash flow in the past year.
In multiple years ACIC reported negative net income over the last 5 years.
ACIC had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 6.00%, ACIC belongs to the best of the industry, outperforming 90.48% of the companies in the same industry.
ACIC has a better Return On Equity (27.66%) than 93.20% of its industry peers.
With an excellent Return On Invested Capital value of 7.71%, ACIC belongs to the best of the industry, outperforming 91.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6% | ||
| ROE | 27.66% | ||
| ROIC | 7.71% |
ROA(3y)6.28%
ROA(5y)2.66%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ACIC has a Profit Margin of 25.26%. This is amongst the best in the industry. ACIC outperforms 95.24% of its industry peers.
Looking at the Operating Margin, with a value of 37.63%, ACIC belongs to the top of the industry, outperforming 99.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 37.63% | ||
| PM (TTM) | 25.26% | ||
| 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
2. Health
2.1 Basic Checks
ACIC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
ACIC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ACIC has more shares outstanding
The debt/assets ratio for ACIC has been reduced compared to a year ago.
2.2 Solvency
ACIC has a debt to FCF ratio of 1.02. This is a very positive value and a sign of high solvency as it would only need 1.02 years to pay back of all of its debts.
ACIC has a better Debt to FCF ratio (1.02) than 65.99% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that ACIC is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.51, ACIC is not doing good in the industry: 68.03% of the companies in the same industry are doing better.
Although ACIC does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.02 | ||
| Altman-Z | N/A |
ROIC/WACC0.93
WACC8.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for ACIC have decreased by -0.61% in the last year.
ACIC shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.69%.
ACIC shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -18.50% yearly.
EPS 1Y (TTM)-0.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%35%
Revenue 1Y (TTM)23.69%
Revenue growth 3Y-22.39%
Revenue growth 5Y-18.5%
Sales Q2Q%23.76%
3.2 Future
ACIC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.65% yearly.
ACIC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.78% yearly.
EPS Next Y-11.73%
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%
EPS Next 5YN/A
Revenue Next Year10.55%
Revenue Next 2Y7.3%
Revenue Next 3Y5.78%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.36, which indicates a rather cheap valuation of ACIC.
ACIC's Price/Earnings ratio is a bit cheaper when compared to the industry. ACIC is cheaper than 76.19% of the companies in the same industry.
ACIC is valuated cheaply when we compare the Price/Earnings ratio to 27.57, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.35 indicates a reasonable valuation of ACIC.
Based on the Price/Forward Earnings ratio, ACIC is valued a bit cheaper than the industry average as 68.03% of the companies are valued more expensively.
ACIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.36 | ||
| Fwd PE | 8.35 |
4.2 Price Multiples
ACIC's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ACIC is cheaper than 87.07% of the companies in the same industry.
ACIC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ACIC is cheaper than 78.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.96 | ||
| EV/EBITDA | 3.23 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%
5. Dividend
5.1 Amount
ACIC has a Yearly Dividend Yield of 4.24%, which is a nice return.
ACIC's Dividend Yield is rather good when compared to the industry average which is at 3.31. ACIC pays more dividend than 84.35% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, ACIC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.24% |
5.2 History
On average, the dividend of ACIC grows each year by 16.09%, which is quite nice.
ACIC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)16.09%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
29.81% of the earnings are spent on dividend by ACIC. This is a low number and sustainable payout ratio.
DP29.81%
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%
NASDAQ:ACIC (10/23/2025, 3:28:36 PM)
11.93
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.22%
Inst Owner ChangeN/A
Ins Owners17.83%
Ins Owner Change2.63%
Market Cap581.83M
Revenue(TTM)320.07M
Net Income(TTM)80.86M
Analysts82.86
Price Target14.28 (19.7%)
Short Float %2.73%
Short Ratio3.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.24% |
Yearly Dividend0.51
Dividend Growth(5Y)16.09%
DP29.81%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-36.76%
Min EPS beat(2)-76.47%
Max EPS beat(2)2.94%
EPS beat(4)3
Avg EPS beat(4)-3.83%
Min EPS beat(4)-76.47%
Max EPS beat(4)51.26%
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)1
Avg Revenue beat(2)0.63%
Min Revenue beat(2)-10.32%
Max Revenue beat(2)11.57%
Revenue beat(4)1
Avg Revenue beat(4)-4.42%
Min Revenue beat(4)-13.59%
Max Revenue beat(4)11.57%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
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)-30%
EPS NQ rev (1m)880%
EPS NQ rev (3m)165%
EPS NY rev (1m)0%
EPS NY rev (3m)-44.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)51.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)21.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.36 | ||
| Fwd PE | 8.35 | ||
| P/S | 1.82 | ||
| P/FCF | 3.96 | ||
| P/OCF | 3.96 | ||
| P/B | 1.99 | ||
| P/tB | 2.55 | ||
| EV/EBITDA | 3.23 |
EPS(TTM)1.62
EY13.58%
EPS(NY)1.43
Fwd EY11.97%
FCF(TTM)3.01
FCFY25.25%
OCF(TTM)3.01
OCFY25.27%
SpS6.56
BVpS5.99
TBVpS4.68
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.78
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6% | ||
| ROE | 27.66% | ||
| ROCE | 9.42% | ||
| ROIC | 7.71% | ||
| ROICexc | 10.24% | ||
| ROICexgc | 21.41% | ||
| OM | 37.63% | ||
| PM (TTM) | 25.26% | ||
| GM | N/A | ||
| FCFM | 45.9% |
ROA(3y)6.28%
ROA(5y)2.66%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
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-Score7
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.02 | ||
| Debt/EBITDA | 1.16 | ||
| Cap/Depr | 1.44% | ||
| Cap/Sales | 0.04% | ||
| Interest Coverage | 9.4 | ||
| Cash Conversion | 114.32% | ||
| Profit Quality | 181.68% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.3%
ROIC/WACC0.93
Cap/Depr(3y)4.99%
Cap/Depr(5y)31.61%
Cap/Sales(3y)0.24%
Cap/Sales(5y)0.57%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%35%
EPS Next Y-11.73%
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%
EPS Next 5YN/A
Revenue 1Y (TTM)23.69%
Revenue growth 3Y-22.39%
Revenue growth 5Y-18.5%
Sales Q2Q%23.76%
Revenue Next Year10.55%
Revenue Next 2Y7.3%
Revenue Next 3Y5.78%
Revenue Next 5YN/A
EBIT growth 1Y14.81%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y135.39%
FCF growth 3YN/A
FCF growth 5Y13.88%
OCF growth 1Y135.49%
OCF growth 3YN/A
OCF growth 5Y10.32%