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AMERICAN COASTAL INSURANCE C (ACIC) Stock Fundamental Analysis

USA - NASDAQ:ACIC - US9107101027 - Common Stock

11.8 USD
-0.09 (-0.76%)
Last: 10/27/2025, 3:32:17 PM
Fundamental Rating

4

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 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.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

In the past year ACIC was profitable.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

The Return On Assets of ACIC (6.00%) is better than 90.48% of its industry peers.
ACIC has a Return On Equity of 27.66%. This is amongst the best in the industry. ACIC outperforms 93.20% of its industry peers.
ACIC has a Return On Invested Capital of 7.71%. This is amongst the best in the industry. ACIC outperforms 91.84% of its industry peers.
Industry RankSector 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
ACIC Yearly ROA, ROE, ROICACIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100 150 200 250

1.3 Margins

ACIC's Profit Margin of 25.26% is amongst the best of the industry. ACIC outperforms 95.24% of its industry peers.
ACIC has a Operating Margin of 37.63%. This is amongst the best in the industry. ACIC outperforms 99.32% of its industry peers.
Industry RankSector 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
ACIC Yearly Profit, Operating, Gross MarginsACIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100

3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ACIC is destroying 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.
ACIC has a better debt/assets ratio than last year.
ACIC Yearly Shares OutstandingACIC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
ACIC Yearly Total Debt VS Total AssetsACIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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.
With a decent Debt to FCF ratio value of 1.02, ACIC is doing good in the industry, outperforming 65.99% of the companies in the same industry.
ACIC has a Debt/Equity ratio of 0.51. This is a neutral value indicating ACIC is somewhat dependend on debt financing.
The Debt to Equity ratio of ACIC (0.51) is worse than 68.03% 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 RankSector Rank
Debt/Equity 0.51
Debt/FCF 1.02
Altman-Z N/A
ROIC/WACC0.93
WACC8.33%
ACIC Yearly LT Debt VS Equity VS FCFACIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 50M 100M 150M 200M 250M

3

3. Growth

3.1 Past

The earnings per share for ACIC have decreased by -0.61% in the last year.
The Revenue has grown by 23.69% in the past year. This is a very strong growth!
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

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.
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.
ACIC Yearly Revenue VS EstimatesACIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2023 2024 2025 2026 2027 0 1 -1 2 -2

6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.28 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 76.87% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.89, ACIC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.26, the valuation of ACIC can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ACIC indicates a somewhat cheap valuation: ACIC is cheaper than 68.71% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, ACIC is valued rather cheaply.
Industry RankSector Rank
PE 7.28
Fwd PE 8.26
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ACIC indicates a rather cheap valuation: ACIC is cheaper than 87.07% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, ACIC is valued a bit cheaper than 78.23% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.92
EV/EBITDA 3.22
ACIC Per share dataACIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.21%, ACIC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.26, ACIC pays a better dividend. On top of this ACIC pays more dividend than 84.35% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, ACIC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.21%

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
ACIC Yearly Dividends per shareACIC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

ACIC pays out 29.81% of its income as dividend. This is a sustainable payout ratio.
DP29.81%
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%
ACIC Yearly Income VS Free CF VS DividendACIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M
ACIC Dividend Payout.ACIC Dividend Payout, showing the Payout Ratio.ACIC Dividend Payout.PayoutRetained Earnings

AMERICAN COASTAL INSURANCE C

NASDAQ:ACIC (10/27/2025, 3:32:17 PM)

11.8

-0.09 (-0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-05 2025-11-05
Inst Owners33.22%
Inst Owner ChangeN/A
Ins Owners17.83%
Ins Owner Change2.63%
Market Cap575.49M
Revenue(TTM)320.07M
Net Income(TTM)80.86M
Analysts82.86
Price Target14.28 (21.02%)
Short Float %2.87%
Short Ratio4.41
Dividend
Industry RankSector Rank
Dividend Yield 4.21%
Yearly Dividend0.51
Dividend Growth(5Y)16.09%
DP29.81%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-02 2025-01-02 (0.5)
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 RankSector Rank
PE 7.28
Fwd PE 8.26
P/S 1.8
P/FCF 3.92
P/OCF 3.91
P/B 1.97
P/tB 2.52
EV/EBITDA 3.22
EPS(TTM)1.62
EY13.73%
EPS(NY)1.43
Fwd EY12.1%
FCF(TTM)3.01
FCFY25.53%
OCF(TTM)3.01
OCFY25.55%
SpS6.56
BVpS5.99
TBVpS4.68
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.78
Profitability
Industry RankSector 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 RankSector 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
WACC8.33%
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%

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 7.28 and the Price/Book (PB) ratio is 1.97.


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.