AMERICAN COASTAL INSURANCE C (ACIC) Fundamental Analysis & Valuation

NASDAQ:ACIC • US9107101027

11.5 USD
-0.13 (-1.12%)
At close: Mar 9, 2026
11.5 USD
0 (0%)
After Hours: 3/9/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This ACIC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 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 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. ACIC Profitability Analysis

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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M

1.2 Ratios

  • ACIC has a better Return On Assets (7.23%) than 90.60% of its industry peers.
  • ACIC has a Return On Equity of 26.04%. This is amongst the best in the industry. ACIC outperforms 92.62% of its industry peers.
  • ACIC has a better Return On Invested Capital (8.50%) than 89.93% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ACIC is significantly below the industry average of 15.25%.
Industry RankSector Rank
ROA 7.23%
ROE 26.04%
ROIC 8.5%
ROA(3y)15.12%
ROA(5y)5.33%
ROE(3y)83.14%
ROE(5y)N/A
ROIC(3y)9.24%
ROIC(5y)N/A
ACIC Yearly ROA, ROE, ROICACIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 100 150 200 250

1.3 Margins

  • ACIC's Profit Margin of 25.96% is amongst the best of the industry. ACIC outperforms 95.30% of its industry peers.
  • Looking at the Operating Margin, with a value of 38.36%, ACIC belongs to the top of the industry, outperforming 97.32% of the companies in the same industry.
Industry RankSector 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
ACIC Yearly Profit, Operating, Gross MarginsACIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 100 -100

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3

2. ACIC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ACIC 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.
  • Compared to 1 year ago, ACIC has a worse debt to assets ratio.
ACIC Yearly Shares OutstandingACIC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
ACIC Yearly Total Debt VS Total AssetsACIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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.
  • ACIC has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
  • ACIC has a Debt to Equity ratio of 0.46. This is in the lower half of the industry: ACIC underperforms 65.77% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for ACIC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACC1.01
WACC8.42%
ACIC Yearly LT Debt VS Equity VS FCFACIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. ACIC Growth Analysis

3.1 Past

  • ACIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.97%, which is quite impressive.
  • ACIC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.61%.
  • The Revenue for ACIC have been decreasing by -16.90% on average. This is quite bad
EPS 1Y (TTM)33.97%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%333.33%
Revenue 1Y (TTM)10.61%
Revenue growth 3Y-9.69%
Revenue growth 5Y-16.9%
Sales Q2Q%7.93%

3.2 Future

  • The Earnings Per Share is expected to decrease by -13.17% on average over the next years. This is quite bad
  • The Revenue is expected to grow by 2.77% on average over the next years.
EPS Next Y-27.77%
EPS Next 2Y-13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.4%
Revenue Next 2Y2.77%
Revenue Next 3YN/A
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 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 2015 2016 2017 2018 2019 2020 2021 2023 2024 2025 2026 2027 0 1 -1 2 -2

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6

4. ACIC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.50, the valuation of ACIC can be described as very cheap.
  • 83.89% of the companies in the same industry are more expensive than ACIC, based on the Price/Earnings ratio.
  • ACIC is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 7.62 indicates a rather cheap valuation of ACIC.
  • ACIC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACIC is cheaper than 71.81% of the companies in the same industry.
  • ACIC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.65, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.5
Fwd PE 7.62
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

  • Based on the Enterprise Value to EBITDA ratio, ACIC is valued cheaper than 82.55% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, ACIC is valued a bit cheaper than 69.13% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.66
EV/EBITDA 3.37
ACIC Per share dataACIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • A cheap valuation may be justified as ACIC's earnings are expected to decrease with -13.17% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.17%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. ACIC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.45%, ACIC is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.89, ACIC pays a better dividend. On top of this ACIC pays more dividend than 84.56% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, ACIC pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.45%

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
ACIC Yearly Dividends per shareACIC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • ACIC pays out 28.28% of its income as dividend. This is a sustainable payout ratio.
DP28.28%
EPS Next 2Y-13.17%
EPS Next 3YN/A
ACIC Yearly Income VS Free CF VS DividendACIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M
ACIC Dividend Payout.ACIC Dividend Payout, showing the Payout Ratio.ACIC Dividend Payout.PayoutRetained Earnings

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ACIC Fundamentals: All Metrics, Ratios and Statistics

AMERICAN COASTAL INSURANCE C

NASDAQ:ACIC (3/9/2026, 8:00:01 PM)

After market: 11.5 0 (0%)

11.5

-0.13 (-1.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-06
Inst Owners34.6%
Inst Owner ChangeN/A
Ins Owners17.36%
Ins Owner Change-0.53%
Market Cap560.74M
Revenue(TTM)335.44M
Net Income(TTM)85.22M
Analysts80
Price Target14.28 (24.17%)
Short Float %1.9%
Short Ratio1.97
Dividend
Industry RankSector Rank
Dividend Yield 6.45%
Yearly Dividend0.51
Dividend Growth(5Y)16.09%
DP28.28%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-02
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)0%
EPS NQ rev (3m)-2.33%
EPS NY rev (1m)-0.34%
EPS NY rev (3m)5.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 5.5
Fwd PE 7.62
P/S 1.71
P/FCF 4.66
P/OCF 4.66
P/B 1.71
P/tB 2.13
EV/EBITDA 3.37
EPS(TTM)2.09
EY18.17%
EPS(NY)1.51
Fwd EY13.13%
FCF(TTM)2.47
FCFY21.45%
OCF(TTM)2.47
OCFY21.47%
SpS6.73
BVpS6.71
TBVpS5.41
PEG (NY)N/A
PEG (5Y)N/A
Graham Number17.76
Profitability
Industry RankSector Rank
ROA 7.23%
ROE 26.04%
ROCE 11.34%
ROIC 8.5%
ROICexc 11.2%
ROICexgc 21.48%
OM 38.36%
PM (TTM) 25.96%
GM N/A
FCFM 36.63%
ROA(3y)15.12%
ROA(5y)5.33%
ROE(3y)83.14%
ROE(5y)N/A
ROIC(3y)9.24%
ROIC(5y)N/A
ROICexc(3y)11.14%
ROICexc(5y)N/A
ROICexgc(3y)26.16%
ROICexgc(5y)N/A
ROCE(3y)12.33%
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 RankSector 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/WACC1.01
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.97%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%333.33%
EPS Next Y-27.77%
EPS Next 2Y-13.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.61%
Revenue growth 3Y-9.69%
Revenue growth 5Y-16.9%
Sales Q2Q%7.93%
Revenue Next Year2.4%
Revenue Next 2Y2.77%
Revenue Next 3YN/A
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 1Y-58.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-58.6%
OCF growth 3YN/A
OCF growth 5YN/A

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 for 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.


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 -27.77% 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%.