11.06 USD
-0.08 (-0.72%)
At close: Feb 11, 2026
11.06 USD
0 (0%)
After Hours: 2/11/2026, 8:05:15 PM
We assign a fundamental rating of 5 out of 10 to ACIC. ACIC was compared to 149 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. Finally 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.
- 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 better Return On Assets (7.23%) than 91.28% of its industry peers.
- With an excellent Return On Equity value of 26.04%, ACIC belongs to the best of the industry, outperforming 93.29% of the companies in the same industry.
- ACIC has a Return On Invested Capital of 9.28%. This is amongst the best in the industry. ACIC outperforms 91.95% of its industry peers.
| 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 96.64% of the companies in the same industry.
- Looking at the Operating Margin, with a value of 38.36%, ACIC belongs to the top of the industry, outperforming 98.66% of the companies in the same industry.
| 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.
- Compared to 1 year ago, ACIC has more shares outstanding
- 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
- ACIC has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
- ACIC's Debt to FCF ratio of 1.24 is fine compared to the rest of the industry. ACIC outperforms 65.77% of its industry peers.
- A Debt/Equity ratio of 0.46 indicates that ACIC is not too dependend on debt financing.
- ACIC has a Debt to Equity ratio of 0.46. This is in the lower half of the industry: ACIC underperforms 63.09% 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 | 0.46 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | N/A |
ROIC/WACC1.1
WACC8.42%
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%.
- Looking at the last year, ACIC shows a quite strong growth in Revenue. The Revenue has grown by 16.34% in the last year.
- 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)-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
- ACIC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.88% yearly.
- ACIC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.34% yearly.
EPS Next Y30.12%
EPS Next 2Y-1.46%
EPS Next 3Y0.88%
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
- A Price/Earnings ratio of 6.54 indicates a rather cheap valuation of ACIC.
- Compared to the rest of the industry, the Price/Earnings ratio of ACIC indicates a rather cheap valuation: ACIC is cheaper than 81.21% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of ACIC to the average of the S&P500 Index (28.18), we can say ACIC is valued rather cheaply.
- The Price/Forward Earnings ratio is 7.30, which indicates a rather cheap valuation of ACIC.
- Based on the Price/Forward Earnings ratio, ACIC is valued a bit cheaper than 73.83% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of ACIC to the average of the S&P500 Index (28.01), we can say ACIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.54 | ||
| Fwd PE | 7.3 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ACIC is valued cheaper than 89.26% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACIC indicates a somewhat cheap valuation: ACIC is cheaper than 75.17% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.48 | ||
| EV/EBITDA | 3.16 |
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)0.22
PEG (5Y)N/A
EPS Next 2Y-1.46%
EPS Next 3Y0.88%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.63%, ACIC is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.18, ACIC pays a better dividend. On top of this ACIC pays more dividend than 93.96% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.80, ACIC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.63% |
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.
- The dividend of ACIC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.28%
EPS Next 2Y-1.46%
EPS Next 3Y0.88%
11.06
-0.08 (-0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners34.51%
Inst Owner ChangeN/A
Ins Owners17.79%
Ins Owner Change-0.58%
Market Cap539.40M
Revenue(TTM)328.33M
Net Income(TTM)85.22M
Analysts82.86
Price Target14.28 (29.11%)
Short Float %2.29%
Short Ratio3.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.63% |
Yearly Dividend0.51
Dividend Growth(5Y)16.09%
DP28.28%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-02 2026-01-02 (0.75)
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)-2.33%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.5%
EPS NY rev (3m)47.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.54 | ||
| Fwd PE | 7.3 | ||
| P/S | 1.64 | ||
| P/FCF | 4.48 | ||
| P/OCF | 4.48 | ||
| P/B | 1.65 | ||
| P/tB | 2.05 | ||
| EV/EBITDA | 3.16 |
EPS(TTM)1.69
EY15.28%
EPS(NY)1.51
Fwd EY13.7%
FCF(TTM)2.47
FCFY22.3%
OCF(TTM)2.47
OCFY22.32%
SpS6.73
BVpS6.71
TBVpS5.41
PEG (NY)0.22
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
WACC8.42%
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 Y30.12%
EPS Next 2Y-1.46%
EPS Next 3Y0.88%
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 5 / 10 to ACIC.
What is the valuation status for ACIC stock?
ChartMill assigns a valuation rating of 8 / 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.
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 30.12% in the next year.
Is the dividend of AMERICAN COASTAL INSURANCE C sustainable?
The dividend rating of AMERICAN COASTAL INSURANCE C (ACIC) is 7 / 10 and the dividend payout ratio is 28.28%.