11.7 USD
+0.47 (+4.19%)
11.7 USD
0 (0%)
Overall ACIC gets a fundamental rating of 4 out of 10. We evaluated ACIC against 147 industry peers in the Insurance industry. There are concerns on the financial health of ACIC while its profitability can be described as average. 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.
In the past year ACIC had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: ACIC reported negative net income in multiple years.
ACIC had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
ACIC has a better Return On Assets (7.23%) than 91.84% of its industry peers.
With an excellent Return On Equity value of 26.04%, ACIC belongs to the best of the industry, outperforming 91.16% of the companies in the same industry.
The Return On Invested Capital of ACIC (9.28%) is better than 93.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.23% | ||
| ROE | 26.04% | ||
| ROIC | 9.28% |
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
The Profit Margin of ACIC (25.96%) is better than 95.24% of its industry peers.
ACIC's Operating Margin of 38.36% is amongst the best of the industry. ACIC outperforms 99.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.36% | ||
| PM (TTM) | 25.96% | ||
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ACIC is creating some value.
The number of shares outstanding for ACIC has been increased compared to 1 year ago.
ACIC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, ACIC has an improved debt to assets ratio.
2.2 Solvency
ACIC has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
ACIC's Debt to FCF ratio of 1.24 is fine compared to the rest of the industry. ACIC outperforms 63.95% of its industry peers.
ACIC has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
ACIC has a worse Debt to Equity ratio (0.46) than 64.63% of its industry peers.
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 | 0.46 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | N/A |
ROIC/WACC1.11
WACC8.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ACIC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.65%.
Looking at the last year, ACIC shows a quite strong growth in Revenue. The Revenue has grown by 16.34% in the last year.
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)-7.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%12.96%
Revenue 1Y (TTM)16.34%
Revenue growth 3Y-22.39%
Revenue growth 5Y-18.5%
Sales Q2Q%8.5%
3.2 Future
The Earnings Per Share is expected to decrease by -0.65% on average over the next years.
Based on estimates for the next years, ACIC will show a small growth in Revenue. The Revenue will grow by 5.78% on average per year.
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
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.92, the valuation of ACIC can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of ACIC indicates a somewhat cheap valuation: ACIC is cheaper than 77.55% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.47, ACIC is valued rather cheaply.
A Price/Forward Earnings ratio of 8.19 indicates a reasonable valuation of ACIC.
ACIC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACIC is cheaper than 65.31% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.42. ACIC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.92 | ||
| Fwd PE | 8.19 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ACIC indicates a rather cheap valuation: ACIC is cheaper than 85.03% of the companies listed in the same industry.
ACIC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ACIC is cheaper than 72.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.74 | ||
| EV/EBITDA | 3.39 |
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
With a Yearly Dividend Yield of 4.27%, ACIC is a good candidate for dividend investing.
ACIC's Dividend Yield is rather good when compared to the industry average which is at 3.44. ACIC pays more dividend than 80.95% of the companies in the same industry.
ACIC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.27% |
5.2 History
On average, the dividend of ACIC grows each year by 16.09%, which is quite nice.
ACIC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)16.09%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
28.28% of the earnings are spent on dividend by ACIC. This is a low number and sustainable payout ratio.
DP28.28%
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%
11.7
+0.47 (+4.19%)
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 Change0.25%
Market Cap570.61M
Revenue(TTM)328.33M
Net Income(TTM)85.22M
Analysts82.86
Price Target14.28 (22.05%)
Short Float %3%
Short Ratio4.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.27% |
Yearly Dividend0.51
Dividend Growth(5Y)16.09%
DP28.28%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-11.56%
Min EPS beat(2)-76.47%
Max EPS beat(2)53.34%
EPS beat(4)3
Avg EPS beat(4)-3.31%
Min EPS beat(4)-76.47%
Max EPS beat(4)53.34%
EPS beat(8)7
Avg EPS beat(8)30.86%
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)5.54%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)11.57%
Revenue beat(4)1
Avg Revenue beat(4)-1.15%
Min Revenue beat(4)-10.32%
Max Revenue beat(4)11.57%
Revenue beat(8)2
Avg Revenue beat(8)-3.48%
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)N/A
EPS NQ rev (3m)-100%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.92 | ||
| Fwd PE | 8.19 | ||
| P/S | 1.74 | ||
| P/FCF | 4.74 | ||
| P/OCF | 4.74 | ||
| P/B | 1.74 | ||
| P/tB | 2.16 | ||
| EV/EBITDA | 3.39 |
EPS(TTM)1.69
EY14.44%
EPS(NY)1.43
Fwd EY12.21%
FCF(TTM)2.47
FCFY21.08%
OCF(TTM)2.47
OCFY21.1%
SpS6.73
BVpS6.71
TBVpS5.41
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.23% | ||
| ROE | 26.04% | ||
| ROCE | 11.34% | ||
| ROIC | 9.28% | ||
| ROICexc | 12.23% | ||
| ROICexgc | 23.47% | ||
| OM | 38.36% | ||
| PM (TTM) | 25.96% | ||
| GM | N/A | ||
| FCFM | 36.63% |
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-Score6
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 1.24 | ||
| Debt/EBITDA | 1.12 | ||
| Cap/Depr | 1.47% | ||
| Cap/Sales | 0.03% | ||
| Interest Coverage | 9.83 | ||
| Cash Conversion | 90.35% | ||
| Profit Quality | 141.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.36%
ROIC/WACC1.11
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)-7.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%12.96%
EPS Next Y-11.73%
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%
EPS Next 5YN/A
Revenue 1Y (TTM)16.34%
Revenue growth 3Y-22.39%
Revenue growth 5Y-18.5%
Sales Q2Q%8.5%
Revenue Next Year10.55%
Revenue Next 2Y7.3%
Revenue Next 3Y5.78%
Revenue Next 5YN/A
EBIT growth 1Y1.33%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y146.19%
FCF growth 3YN/A
FCF growth 5Y13.88%
OCF growth 1Y146.28%
OCF growth 3YN/A
OCF growth 5Y10.32%
AMERICAN COASTAL INSURANCE C / ACIC 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 of AMERICAN COASTAL INSURANCE C (ACIC) stock?
ChartMill assigns a valuation rating of 6 / 10 to AMERICAN COASTAL INSURANCE C (ACIC). This can be considered as Fairly Valued.
How profitable is AMERICAN COASTAL INSURANCE C (ACIC) stock?
AMERICAN COASTAL INSURANCE C (ACIC) has a profitability rating of 5 / 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 6.92 and the Price/Book (PB) ratio is 1.74.
Can you provide the expected EPS growth for ACIC stock?
The Earnings per Share (EPS) of AMERICAN COASTAL INSURANCE C (ACIC) is expected to decline by -11.73% in the next year.