12.78 USD
-0.03 (-0.23%)
12.78 USD
0 (0%)
ACIC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. While ACIC is still in line with the averages on profitability rating, there are concerns on its financial health. ACIC is valued quite cheap, but it does not seem to be growing.
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
ACIC has a Return On Assets of 7.23%. This is amongst the best in the industry. ACIC outperforms 91.16% of its industry peers.
Looking at the Return On Equity, with a value of 26.04%, ACIC belongs to the top of the industry, outperforming 92.52% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 9.28%, ACIC belongs to the top of the industry, outperforming 92.52% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 25.96%, ACIC belongs to the top of the industry, outperforming 96.60% of the companies in the same industry.
The Operating Margin of ACIC (38.36%) is better than 98.64% 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ACIC is still creating some value.
ACIC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for ACIC has been increased compared to 5 years ago.
ACIC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ACIC is 1.24, which is an excellent value as it means it would take ACIC, only 1.24 years of fcf income to pay off all of its debts.
ACIC has a Debt to FCF ratio of 1.24. This is in the better half of the industry: ACIC outperforms 65.31% of its industry peers.
A Debt/Equity ratio of 0.46 indicates that ACIC is not too dependend on debt financing.
The Debt to Equity ratio of ACIC (0.46) is worse than 63.95% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | N/A |
ROIC/WACC1.1
WACC8.45%
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 -7.65% in the last year.
Looking at the last year, ACIC shows a quite strong growth in Revenue. The Revenue has grown by 16.34% in the last year.
The Revenue for ACIC have been decreasing by -18.50% on average. This is quite bad
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
Based on estimates for the next years, ACIC will show a decrease in Earnings Per Share. The EPS will decrease by -0.65% on average per year.
ACIC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.34% yearly.
EPS Next Y30.77%
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%
EPS Next 5YN/A
Revenue Next Year10.67%
Revenue Next 2Y6.46%
Revenue Next 3Y5.34%
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
ACIC is valuated cheaply with a Price/Earnings ratio of 7.56.
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.
The average S&P500 Price/Earnings ratio is at 26.22. ACIC is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 8.95 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.58, ACIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 8.95 |
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 84.35% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, ACIC is valued a bit cheaper than the industry average as 72.11% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.18 | ||
| EV/EBITDA | 3.8 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.25
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 3.95%.
Compared to an average industry Dividend Yield of 2.64, ACIC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, ACIC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
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%
12.78
-0.03 (-0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners34.36%
Inst Owner ChangeN/A
Ins Owners17.79%
Ins Owner Change-0.29%
Market Cap623.28M
Revenue(TTM)328.33M
Net Income(TTM)85.22M
Analysts82.86
Price Target14.28 (11.74%)
Short Float %2.5%
Short Ratio4.24
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
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)-2.27%
EPS NY rev (1m)48.15%
EPS NY rev (3m)48.15%
Revenue NQ rev (1m)-1.06%
Revenue NQ rev (3m)-1.06%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 8.95 | ||
| P/S | 1.9 | ||
| P/FCF | 5.18 | ||
| P/OCF | 5.18 | ||
| P/B | 1.9 | ||
| P/tB | 2.36 | ||
| EV/EBITDA | 3.8 |
EPS(TTM)1.69
EY13.22%
EPS(NY)1.43
Fwd EY11.17%
FCF(TTM)2.47
FCFY19.3%
OCF(TTM)2.47
OCFY19.31%
SpS6.73
BVpS6.71
TBVpS5.41
PEG (NY)0.25
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
WACC8.45%
ROIC/WACC1.1
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 Y30.77%
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 Year10.67%
Revenue Next 2Y6.46%
Revenue Next 3Y5.34%
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 7 / 10 to AMERICAN COASTAL INSURANCE C (ACIC). This can be considered as Undervalued.
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 7.56 and the Price/Book (PB) ratio is 1.9.
Can you provide the expected EPS growth for ACIC stock?
The Earnings per Share (EPS) of AMERICAN COASTAL INSURANCE C (ACIC) is expected to grow by 30.77% in the next year.