A Business at a Glance
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AMERICAN COASTAL INSURANCE Corp
ACIC
$511M
Mkt Cap
$10.28
+2.90%
AMERICAN COASTAL INSURANCE Corp (ACIC) has a current P/E ratio of 6.0, compared to its historical median P/E of 27.6. The stock is currently considered Fair based on its historical valuation range.
AMERICAN COASTAL INSURANCE Corp (ACIC) has a 5-year average return on invested capital (ROIC) of 19.4%. This indicates strong capital allocation and a potential competitive advantage.
AMERICAN COASTAL INSURANCE Corp (ACIC) has a market capitalization of $511M. It is classified as a small-cap stock.
Yes, AMERICAN COASTAL INSURANCE Corp (ACIC) pays a dividend with a trailing twelve-month yield of 7.30%.
Based on historical P/E analysis, AMERICAN COASTAL INSURANCE Corp (ACIC) appears fair. The current P/E of 6.0 is 78% below its historical median of 27.6. The estimated fair value CAGR (P/E method) is 96.4%.
AMERICAN COASTAL INSURANCE Corp (ACIC) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
Company Overview American Coastal Insurance Corporation (referred to in this Form 10-K as we, our, us, the Company or ACIC) is a holding company primarily engaged in the commercial property and casualty insurance business with investments in the United States. On July 10, 2023, we changed our corporate name from United Insurance Holdings Corp. to American Coastal Insurance Corporation. We conduct our business principally through our wholly owned insurance subsidiary, American Coastal Insurance Company (AmCoastal). The Company also previously wrote insurance outside of Florida through Interboro Insurance Company (IIC); however, on April 1, 2025, the Company completed the sale of IIC. The details of this transaction are described below. Collectively, we refer to the holding company and all our subsidiaries, including non-insurance subsidiaries, as “American Coastal Insurance Corporation,” which is the preferred brand identification for our Company.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 335M | 335M | 297M | 264M | - | 229M |
| Net Income | 107M | 107M | 76M | 310M | -470M | -58M |
| EPS | $2.15 | $2.15 | $1.54 | $6.98 | $-10.91 | $-1.35 |
| Free Cash Flow | 71M | 71M | 243M | -136M | -176M | -301M |
| ROIC | 39.0% | 25.0% | 21.5% | 61.7% | 0.0% | -11.3% |
| Gross Margin | 59.0% | 59.0% | 74.9% | 55.2% | - | 61.1% |
| Debt/Equity | 0.47 | 0.47 | 0.64 | 0.89 | -0.84 | 0.51 |
| Dividends/Share | $0.00 | $0.75 | $0.50 | $0.00 | $0.06 | $0.24 |
| Operating Income | 140M | 140M | 100M | 94M | 1.7M | -11M |
| Operating Margin | 41.8% | 41.8% | 33.6% | 35.5% | - | -4.6% |
| ROE | 33.6% | 38.6% | 37.4% | 183.6% | - | -16.4% |
| Shares Outstanding | 50M | 50M | 49M | 44M | 43M | 43M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 280M | 358M | 487M | 654M | 724M | 825M | 847M | 229M | N/A | 264M | 297M | 335M | 335M |
| Gross Margin | 57.9% | 48.8% | 38.8% | 44.1% | 43.6% | 39.5% | 28.2% | 61.1% | N/A | 55.2% | 74.9% | 59.0% | 59.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 20M | 30M | 43M | 82M | 66M | 66M | 72M | 31M | 44M | 38M | 45M | 40M | 40M |
| EBIT | 64M | 42M | 6.9M | 757K | -4.4M | -33M | -132M | -11M | 1.7M | 94M | 100M | 140M | 140M |
| Op. Margin | 23.0% | 11.6% | 1.4% | 0.1% | -0.6% | -4.0% | -15.6% | -4.6% | N/A | 35.5% | 33.6% | 41.8% | 41.8% |
| Net Income | 41M | 27M | 5.7M | 10M | 290K | -30M | -96M | -58M | -470M | 310M | 76M | 107M | 107M |
| Net Margin | 14.6% | 7.7% | 1.2% | 1.6% | 0.0% | -3.6% | -11.4% | -25.3% | N/A | 117.2% | 25.5% | 31.8% | 31.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14M | 588K | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 24.2% | 11.7% | 2.1% | 2.0% | 0.0% | -4.4% | -15.8% | -11.3% | 0.0% | 61.7% | 21.5% | 25.0% | 39.0% |
| ROE | 26.3% | 12.4% | 2.4% | 2.6% | 0.1% | -5.8% | -21.5% | -16.4% | N/A | 183.6% | 37.4% | 38.6% | 33.6% |
| ROA | 8.0% | 4.1% | 0.7% | 0.7% | 0.0% | -1.2% | -3.6% | -2.1% | -17.0% | 15.9% | 6.6% | 9.3% | 10.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 69M | 98M | 66M | 36M | 26M | 149M | -10M | -295M | -173M | -136M | 244M | 71M | 71M |
| Free Cash Flow | 63M | 87M | 63M | 30M | 22M | 127M | -21M | -301M | -176M | -136M | 243M | 71M | 71M |
| Owner Earnings | 68M | 95M | 61M | 27M | 19M | 140M | -18M | -302M | -179M | -139M | 236M | 63M | 63M |
| CapEx | 6.3M | 11M | 3.1M | 5.2M | 4.1M | 22M | 11M | 5.3M | 3.0M | 196K | 22K | 155K | 155K |
| Maint. CapEx | 731K | 1.8M | 2.4M | 5.8M | 4.2M | 6.3M | 6.4M | 5.5M | 4.6M | 1.5M | 4.9M | 3.8M | 3.8M |
| Growth CapEx | 5.6M | 9.1M | 725K | 0 | 0 | 16M | 4.4M | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 731K | 1.8M | 2.4M | 5.8M | 4.2M | 6.3M | 6.4M | 5.5M | 4.6M | 1.5M | 4.9M | 3.8M | 3.8M |
| CapEx/OCF | 9.2% | 11.1% | 4.8% | 36.6% | 15.8% | 14.7% | N/A | N/A | N/A | N/A | 0.0% | N/A | 0.2% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 3.3M | 4.3M | 5.0M | 9.0M | 10M | 10M | 10M | 10M | 2.6M | 0 | 24M | 0 | 0 |
| Dividend Yield | 0.7% | 0.7% | 0.9% | 1.9% | 2.2% | 2.1% | 3.7% | 5.4% | 3.5% | N/A | 4.7% | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 649K | 2.0M | 1.9M | 2.6M | 2.4M | 3.0M | 1.4M | 1.2M | 1.4M | 1.3M | 2.5M | 4.3M | 4.3M |
| Debt Repayment | 1.2M | 3.4M | 1.4M | 40M | 1.5M | 1.5M | 1.2M | 1.8M | 4.4M | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -400M | -72M | -97M | -828M | -812M | -939M | -1.0B | -717M | -454M | -22M | -268M | -302M | -49M |
| Cash & Equiv. | 61M | 85M | 151M | 230M | 113M | 215M | 239M | 212M | 230M | 172M | 137M | 199M | 199M |
| Long-Term Debt | 14M | 12M | 54M | 165M | 163M | 162M | 160M | 159M | 150M | 150M | 150M | 150M | 150M |
| Debt/Equity | 0.07 | 0.05 | 0.22 | 0.31 | 0.31 | 0.32 | 0.41 | 0.51 | -0.84 | 0.89 | 0.64 | 0.47 | 0.47 |
| Interest Coverage | 156.9 | 127.5 | 9.5 | 0.2 | -0.4 | -3.3 | -13.8 | -1.1 | 0.2 | 8.6 | 8.3 | 13.0 | 13.0 |
| Equity | 204M | 239M | 241M | 537M | 520M | 503M | 396M | 312M | -182M | 169M | 236M | 318M | 318M |
| Total Assets | 584M | 740M | 1000M | 2.1B | 2.3B | 2.5B | 2.8B | 2.7B | 2.8B | 1.1B | 1.2B | 1.1B | 1.1B |
| Total Liabilities | 380M | 501M | 758M | 1.5B | 1.8B | 1.9B | 2.4B | 2.4B | 3.0B | 894M | 980M | 755M | 755M |
| Intangibles | N/A | 5.2M | 12M | 45M | 31M | 26M | 22M | 18M | 13M | 8.5M | 5.9M | 3.5M | 3.5M |
| Retained Earnings | 118M | 141M | 142M | 141M | 141M | 100M | -6.6M | -75M | -546M | -237M | -185M | -115M | -115M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.03 | 0.64 | 0.13 | 0.27 | 0.01 | -0.70 | -2.25 | -1.35 | -10.91 | 6.98 | 1.54 | 2.15 | 2.15 |
| Owner EPS | 1.69 | 2.21 | 1.40 | 0.72 | 0.66 | 3.27 | -0.43 | -7.04 | -4.16 | -3.13 | 4.80 | 1.27 | 1.27 |
| Book Value | 5.09 | 5.60 | 5.51 | 14.30 | 17.94 | 11.79 | 9.23 | 7.28 | -4.23 | 3.80 | 4.79 | 6.39 | 6.39 |
| Cash Flow/Share | 1.72 | 2.30 | 1.50 | 0.95 | 0.89 | 3.49 | -0.24 | -6.89 | -4.02 | -3.06 | 4.95 | 1.43 | 2.23 |
| Dividends/Share | 0.08 | 0.10 | 0.12 | 0.24 | 0.35 | 0.24 | 0.24 | 0.24 | 0.06 | 0.00 | 0.50 | 0.75 | 0.00 |
| Shares Out. | 40.0M | 42.7M | 43.8M | 37.6M | 29.0M | 42.7M | 42.9M | 42.9M | 43.1M | 44.4M | 49.2M | 49.7M | 49.7M |
| Valuation | |||||||||||||
| P/E Ratio | 7.9 | 10.9 | 47.2 | 50.9 | N/A | N/A | N/A | N/A | N/A | 1.3 | 7.9 | N/A | 4.8 |
| P/FCF | 10.3 | 6.8 | 8.6 | 17.0 | 17.8 | 3.4 | N/A | N/A | N/A | N/A | 2.4 | N/A | 7.2 |
| EV/EBIT | 4.3 | 5.4 | 25.0 | 591.5 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.3 |
| Price/Book | 1.6 | 1.2 | 1.1 | 1.0 | 0.7 | 0.9 | 0.5 | 0.5 | N/A | 2.3 | 2.5 | N/A | 1.6 |
| Price/Sales | 0.9 | 0.8 | 0.6 | 0.7 | 0.6 | 0.6 | 0.3 | 0.3 | 0.3 | 0.8 | 1.7 | N/A | 1.5 |
| FCF Yield | 19.4% | 29.4% | 23.3% | 5.9% | 5.6% | 29.3% | -10.7% | -181.5% | -557.6% | -34.8% | 40.9% | N/A | 13.9% |
| Market Cap | 323M | 297M | 269M | 516M | 387M | 434M | 200M | 166M | 32M | 392M | 596M | 0 | 511M |
| Avg. Price | 12.22 | 13.94 | 12.46 | 12.49 | 15.74 | 11.51 | 6.45 | 4.49 | 1.70 | 4.67 | 10.45 | 0.00 | 10.28 |
| Year-End Price | 16.15 | 13.89 | 12.28 | 13.73 | 13.34 | 10.17 | 4.67 | 3.86 | 0.73 | 8.82 | 12.12 | 0.00 | 10.28 |
AMERICAN COASTAL INSURANCE Corp passes 6 of 9 quality checks, suggesting mixed fundamentals.
AMERICAN COASTAL INSURANCE Corp trades at 6.0x trailing earnings, compared to its 15-year median P/E of 27.6x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 4.2x vs a median of 8.6x. The company's 5-year average ROIC is 19.4% with a gross margin of 62.5%. Total shareholder yield (dividends) is 7.3%. At current prices, the estimated annualized return to fair value is +15.6%.
AMERICAN COASTAL INSURANCE Corp (ACIC) reported annual revenue of $335 million in its most recent fiscal year, based on SEC EDGAR filings.
AMERICAN COASTAL INSURANCE Corp (ACIC) has a net profit margin of 31.8%. This is a strong margin indicating high profitability.
AMERICAN COASTAL INSURANCE Corp (ACIC) generated $71 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
AMERICAN COASTAL INSURANCE Corp (ACIC) has a debt-to-equity ratio of 0.47. This indicates a conservatively financed balance sheet.
AMERICAN COASTAL INSURANCE Corp (ACIC) reported earnings per share (EPS) of $2.15 in its most recent fiscal year.
AMERICAN COASTAL INSURANCE Corp (ACIC) has a return on equity (ROE) of 38.6%. This indicates the company generates strong returns for shareholders.
AMERICAN COASTAL INSURANCE Corp (ACIC) has a 5-year average gross margin of 62.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for AMERICAN COASTAL INSURANCE Corp (ACIC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
AMERICAN COASTAL INSURANCE Corp (ACIC) has a book value per share of $6.39, based on its most recent annual SEC filing.
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