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Company Analysis

American Coastal Insurance Corp ACIC

A comprehensive view of key metrics, scores, and financial health for American Coastal Insurance Corp

Overview of American Coastal Insurance Corporation

ACIC NCM
Financial Services Insurance - Property & Casualty Small Cap
American Coastal Insurance Corporation (ACIC), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $12.25, about 44.6% overvalued vs fair value, +7.2% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 13.2% ROE 38.6% Gross Margin 86.3%
$12.25
1.07%
As of April 28, 2026
Previous close • Vol 90d: 29.6%
52-Week Range
Market Cap
$589.70M
Enterprise Value
$452.47M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Good
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Good
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.amcoastal.com
HQ Saint Petersburg, FL
Employees 68
Fiscal year Dec 31

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$4
$7
$13
Current: $12.25 -45% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$335.4M
13.2%%
Claims & Losses
$-46.0M
-67.2%%
Acquisition & Admin Expenses
$-36.8M
Underwriting Result
$142.7M
27.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
13.7%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$25.5M
23.8% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating American Coastal Insurance Corp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
66
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Moderate
58
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing ACIC's balance between Growth (26.9%), Profitability (40.5%), and Safety (32.6%). Growth 27% Safety 33% Profitability 40%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

60th percentile vs peers
61
Key Signals
Rev Growth YoY 13.2% 72p Equity Growth YoY 39.6% 90p Revenue CAGR 3Y 15.0% 67p Asset Growth YoY -31.4% 5p EPS Growth YoY -78.0% 1p
Strengths
  • Equity Growth YoY in top 20% of peers (39.6%, 90th percentile)
  • ROE in top 20% of peers (38.6%, 87th percentile)
  • Net Profit Margin in top 20% of peers (31.9%, 94th percentile)
  • ROA in top 20% of peers (6.7%, 94th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-78.0%)

Profitability

91th percentile vs peers
91
Key Signals
Strengths
Risks
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Safety

73th percentile vs peers
74
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for American Coastal Insurance Corp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$6.79
- - -
-44.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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