AMERICAN COASTAL INSURANCE C (ACIC)
US9107101027 - Common Stock
ACIC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. There are concerns on the financial health of ACIC while its profitability can be described as average. ACIC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year ACIC was profitable.
ACIC had a negative operating cash flow in the past year.
ACIC had negative earnings in 4 of the past 5 years.
In the past 5 years ACIC reported 4 times negative operating cash flow.
1.2 Ratios
ACIC has a better Return On Assets (29.23%) than 100.00% of its industry peers.
ACIC has a Return On Equity of 183.68%. This is amongst the best in the industry. ACIC outperforms 100.00% of its industry peers.
ACIC's Return On Invested Capital of 9.35% is amongst the best of the industry. ACIC outperforms 94.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 29.23% | ||
| ROE | 183.68% | ||
| ROIC | 9.35% |
ROA(3y)3.51%
ROA(5y)1.18%
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 (108.19%) than 97.86% of its industry peers.
ACIC's Profit Margin has improved in the last couple of years.
ACIC has a Operating Margin of 35.88%. This is amongst the best in the industry. ACIC outperforms 95.71% of its industry peers.
In the last couple of years the Operating Margin of ACIC has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 35.88% | ||
| PM (TTM) | 108.19% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y114.67%
PM growth 3YN/A
PM growth 5Y382.3%
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.
Compared to 1 year ago, ACIC has more shares outstanding
ACIC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for ACIC is higher compared to a year ago.
2.2 Solvency
ACIC has a Debt/Equity ratio of 0.88. This is a neutral value indicating ACIC is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.88, ACIC is doing worse than 83.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC1.08
WACC8.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 164.95% over the past year.
ACIC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 54.17% yearly.
Looking at the last year, ACIC shows a decrease in Revenue. The Revenue has decreased by -7.16% in the last year.
Measured over the past years, ACIC shows a very negative growth in Revenue. The Revenue has been decreasing by -16.92% on average per year.
EPS 1Y (TTM)164.95%
EPS 3YN/A
EPS 5Y54.17%
EPS growth Q2Q106.16%
Revenue 1Y (TTM)-7.16%
Revenue growth 3Y-30.31%
Revenue growth 5Y-16.92%
Revenue growth Q2Q-48.71%
3.2 Future
ACIC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -14.44% yearly.
The Revenue is expected to grow by 19.30% on average over the next years. This is quite good.
EPS Next Y-39%
EPS Next 2Y-14.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.11%
Revenue Next 2Y19.3%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
With a Price/Earnings ratio of 5.01, the valuation of ACIC can be described as very cheap.
Based on the Price/Earnings ratio, ACIC is valued a bit cheaper than 78.57% of the companies in the same industry.
ACIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.55.
With a Price/Forward Earnings ratio of 8.21, the valuation of ACIC can be described as very reasonable.
67.14% of the companies in the same industry are more expensive than ACIC, based on the Price/Forward Earnings ratio.
ACIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.01 | ||
| Fwd PE | 8.21 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ACIC is valued cheaply inside the industry as 82.86% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.46 |
4.3 Compensation for Growth
ACIC's earnings are expected to decrease with -14.44% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-14.44%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ACIC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMERICAN COASTAL INSURANCE C
NASDAQ:ACIC (5/2/2024, 12:03:12 PM)
10.47
-0.22 (-2.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap500.47M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.01 | ||
| Fwd PE | 8.21 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 29.23% | ||
| ROE | 183.68% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 35.88% | ||
| PM (TTM) | 108.19% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)164.95%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-39%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-7.16%
Revenue growth 3Y-30.31%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y