13.03 USD
+0.25 (+1.96%)
13.03 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 is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year ACIC was profitable.
ACIC had a positive operating cash flow in the past year.
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 91.16% 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
ACIC has a better Profit Margin (25.96%) than 96.60% of its industry peers.
ACIC has a better Operating Margin (38.36%) 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
ACIC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
The debt/assets ratio for ACIC has been reduced compared to a year ago.
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.
With a Debt to Equity ratio value of 0.46, ACIC is not doing good in the industry: 63.95% 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 | 0.46 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | N/A |
ROIC/WACC1.1
WACC8.47%
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%.
The Revenue has grown by 16.34% in the past year. This is quite good.
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
The Earnings Per Share is expected to decrease by -0.65% on average over the next years.
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
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
The Price/Earnings ratio is 7.71, which indicates a rather cheap valuation of ACIC.
77.55% of the companies in the same industry are more expensive than ACIC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ACIC to the average of the S&P500 Index (26.26), we can say ACIC is valued rather cheaply.
ACIC is valuated reasonably with a Price/Forward Earnings ratio of 9.12.
Based on the Price/Forward Earnings ratio, ACIC is valued a bit cheaper than 63.95% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.68, ACIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.71 | ||
| Fwd PE | 9.12 |
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.
71.43% of the companies in the same industry are more expensive than ACIC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.28 | ||
| EV/EBITDA | 3.88 |
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%. Purely for dividend investing, there may be better candidates out there.
ACIC's Dividend Yield is a higher than the industry average which is at 2.64.
ACIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| 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 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
ACIC pays out 28.28% of its income as dividend. This is a sustainable payout ratio.
DP28.28%
EPS Next 2Y-4.32%
EPS Next 3Y-0.65%
13.03
+0.25 (+1.96%)
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 Cap635.47M
Revenue(TTM)328.33M
Net Income(TTM)85.22M
Analysts82.86
Price Target14.28 (9.59%)
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 | 7.71 | ||
| Fwd PE | 9.12 | ||
| P/S | 1.94 | ||
| P/FCF | 5.28 | ||
| P/OCF | 5.28 | ||
| P/B | 1.94 | ||
| P/tB | 2.41 | ||
| EV/EBITDA | 3.88 |
EPS(TTM)1.69
EY12.97%
EPS(NY)1.43
Fwd EY10.96%
FCF(TTM)2.47
FCFY18.93%
OCF(TTM)2.47
OCFY18.94%
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
WACC8.47%
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 7.71 and the Price/Book (PB) ratio is 1.94.
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.