AMERICAN COASTAL INSURANCE C (ACIC) Stock Fundamental Analysis
USA - NASDAQ:ACIC - US9107101027 - Common Stock
11.8 USD
-0.09 (-0.76%)
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.
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.
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 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'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 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
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.02 | ||
| Altman-Z | N/A |
ROIC/WACC0.93
WACC8.33%
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.
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.28 | ||
| Fwd PE | 8.26 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.92 | ||
| EV/EBITDA | 3.22 |
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 4.21%, 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 Rank | Sector 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
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%
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)
Earnings (Next)
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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 | 7.28 | ||
| 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 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
WACC8.33%
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.