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American Coastal Insurance Corporation

ACIC Financial Insurance Property & Casualty

American Coastal Insurance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $335.4 million, up 13.1% from fiscal 2024.

Revenue
−21.8%
EPS
−38.7%
Free cash flow
−54.5%
Total debt
+0.22%

Quarter to September 2026, against a year earlier

10.12 0.15 −1.46%
Market cap
$485.4M
P/E
5.7×
Fwd P/E
11.6×
Dividend yield
—
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.15
Sold, $m 0.58
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 3 — — — — — 1 — —
Sell — — — — — — — — 1 1 — —
Insider Ownership 49.31%

Capital & Financial Ratios $m

Size
Market Cap 485.43
Revenue ttm 310.90
Net income ttm 100.20
Free cash flow ttm (31.04)
Net debt Q (241.32)
Valuation
P/E 5.65
Forward P/E 11.60
Price / sales 1.56
Forward P/S Powerpack
Price / FCF 0.00
Price / book 1.37
Financial health
Current ratio Q 0.91
Debt / equity Q 0.42
Interest coverage Q 12.11
Growth
Revenue growth Q −21.78% (below 0%: shrinking)
Operating income growth Q −37.55% (below 0%: shrinking)
EPS, this year −39.42% (below 0%: weak)
EPS, next year A −0.79% (below 0%: weak)
Revenue, next year A −11.67% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A −14.28% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 17.06%
10-year low 10-year high
P/S against its own 10 years 75.55%
10-year low 10-year high
P/B against its own 10 years 52.74%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2017–25
−100.0%/yr
  1. 0.24 ’17
  2. 0.24 ’18 +0
  3. 0.24 ’19 +0
  4. 0.24 ’20 +0
  5. 0.24 ’21 +0
  6. 0.06 ’22 −75
  7. 0.00 ’23 −100
  8. 0.00 ’24
  9. 0.00 ’25
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 157 199 293 391
Receivables 542 471 308 289
Inventory — — — —
Other — — — —
699 670 601 680
2023 2024 2025 Q'26
Payables 699 777 595 601
ST’ Debt 149 149 149 150
Other — — — —
847 926 744 751

Compound Annual Growth %

10y 5y 3y
Sales (0.64%) (16.90%) 14.81%
Cash Flow (3.20%) 0.00% 0.00%
Earnings 14.59% 0.00% 0.00%
Book Value 2.87% (5.33%) 0.00%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.47 Actual 0.42

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.42 0.51 Beat by 0.09
Q1 FY26 0.44 0.39 Miss by 0.05
Q2 FY26 0.42 0.33 Miss by 0.09
Q3 FY26 0.47 0.42 Miss by 0.05
Q4 FY26 0.14 — Reports 18 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.39 0.44 0.40 — —
’25 0.43 0.53 0.65 0.53 2.15
’24 0.48 0.39 0.57 0.10 1.54
’23 5.99 0.42 0.24 0.31 6.98
’22 (0.77) (1.60) (1.65) (6.84) (10.87)
’21 (0.41) (0.55) (0.33) (0.05) (1.35)
’20 (0.30) 0.56 (1.73) (0.79) (2.25)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 71 83 71 — —
’25 72 86 90 86 335
’24 67 69 82 79 297
’23 90 74 53 48 264
’22 58 64 73 27 222
’21 162 155 163 (251) 229
’20 176 216 213 241 847
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (6) 58 — — —
’25 26 128 (36) (48) 71
’24 124 126 (9) 2 244
’23 (104) (129) 48 49 (136)
’22 (21) 29 (106) (75) (173)
’21 (67) 38 (81) (186) (295)
’20 17 122 25 (175) (10)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (6) 58 — — —
’25 26 128 (36) (48) 71
’24 124 126 (9) 2 243
’23 (104) (129) 48 49 (136)
’22 (22) 31 (107) (58) (155)
’21 (68) 37 (83) (187) (301)
’20 14 118 23 (176) (21)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 487 654 724 825 847 229 222 264 297 335 311 (4.1%) 296 285 291 (4.6%)
Gross margin, % 14.60 17.33 15.50 10.59 0.28 20.31 20.11 53.81 52.70 57.11 54.47 +42.5 pt
EBT 7 1 (4) (33) (132) (10) 2 96 102 143 117 +39.8%
EBT margin, % 1.44 0.14 (0.59) (3.95) (15.60) (4.56) 0.76 36.34 34.27 42.55 37.55 +41.1 pt
Net income 6 10 0 (29) (95) (60) (470) 310 76 107 100 +38.5%
Per share, $
Per share, $ Revenue 22.74 17.61 16.97 19.30 19.75 5.32 5.15 6.06 6.20 6.92 6.59 (12.4%)
Earnings 0.27 0.27 0.01 (0.70) (2.25) (1.35) (10.87) 7.11 1.59 2.20 1.82 +26.2%
Cash flow 3.07 0.96 0.60 3.48 (0.24) (6.88) (4.02) (3.12) 5.09 1.47 0.00 (7.9%)
Capex (0.15) (0.14) (0.10) (0.51) (0.25) (0.12) 0.42 0.01 0.00 0.00 0.00 (34.6%)
Free cash flow 2.92 0.82 0.51 2.97 (0.50) (7.00) (3.60) (3.11) 5.09 1.46 0.00 (7.4%)
Book value 11.27 14.46 12.67 12.25 9.74 7.73 (4.23) 3.87 4.93 6.55 7.54 (5.8%)
Shares, m 21 37 43 43 43 43 43 44 48 48 48 +9.5%
Valuation, ×
Valuation, × P/E 59.04 54.47 1,662.00 0.00 0.00 0.00 0.00 1.38 8.47 5.71 5.65 179.1
P/S 0.70 0.99 0.98 0.65 0.29 0.82 0.19 1.60 2.17 1.83 1.56 1.0
P/B 1.41 1.21 1.31 1.03 0.59 0.56 0.00 2.51 2.73 1.93 1.37 1.3
EV/Sales 0.50 0.81 0.95 0.68 0.31 1.11 1.02 2.13 2.50 1.41 — 1.1
EV/FCF 3.91 17.57 31.57 4.40 (12.18) (0.84) (1.46) (4.16) 3.05 6.66 — 4.9
Cash, $m
Cash, $m Operating cash flow 66 36 26 149 (10) (295) (173) (136) 244 71 (31) +0.9%
Capex (3) (5) (4) (22) (11) (5) 18 0 0 0 0 (28.4%)
Free cash flow 63 30 22 127 (21) (301) (155) (136) 243 71 (31) +1.4%
Balance, $m
Balance, $m Working capital (480) (648) (789) (914) (1,095) (889) (312) (148) (255) (143) (70) (12.6%)
Net debt (97) (115) (24) (128) (143) (89) 31 (8) (50) (144) (241) +4.5%
Shareholders’ equity 241 537 540 524 418 332 (182) 169 236 318 356 +3.1%
Returns, %
Returns, % ROA 0.66 0.66 0.01 (1.25) (3.63) (2.09) (16.97) 15.89 6.65 9.34 7.59 +8.7 pt
ROIC 2.98 0.11 (0.53) (5.17) (30.13) (2.71) 0.00 36.56 33.60 50.37 64.11 +47.4 pt
ROE 2.37 2.61 0.05 (5.61) (20.49) (15.45) (626.82) (4,669.44) 37.44 38.62 25.51 +36.3 pt
People
People Employees 167 210 293 363 478 472 269 71 65 68 — (9.5%)
Revenue/emp, $m 2.92 3.12 2.47 2.27 1.77 0.48 0.82 3.72 4.56 4.93 — +6.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

American Coastal Insurance Corporation vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HIPO Hippo Holdings Inc. $926.2M 28.3× 31.6× +29.35% (above 0%: growing) −91.48% (below 0%: shrinking) +414.93% (above 0%: growing) 100.00% 6.47% Compare
DGICA Donegal Group, Inc. $732.0M 9.7× 10.3× −3.36% (below 0%: shrinking) +29.79% (above 0%: growing) −33.25% (below 0%: shrinking) 0.00% 9.42% Compare
ROOT Root, Inc. $716.7M 9.2× 11.5× −1.68% (below 0%: shrinking) n/m −18.06% (below 0%: shrinking) 38.79% 4.80% Compare
AII American Integrity Insurance Group, Inc. $530.6M 6.0× 7.6× +54.59% (above 0%: growing) +7.41% (above 0%: growing) +345.10% (above 0%: growing) 56.10% 40.31% Compare
ACIC American Coastal Insurance Corporation $485.4M 5.7× 11.6× −21.78% (below 0%: shrinking) −38.66% (below 0%: shrinking) −54.47% (below 0%: shrinking) 53.61% 40.15%
DGICB Donegal Group, Inc. $446.3M 14.1× 10.3× −3.36% (below 0%: shrinking) +17.02% (above 0%: growing) −33.25% (below 0%: shrinking) 0.00% 9.42% Compare
NODK NI Holdings, Inc. $314.0M 41.1× — (loss-making) −7.66% (below 0%: shrinking) n/m −85.46% (below 0%: shrinking) 31.06% 0.33% Compare
GBLI Global Indemnity PLC $307.5M 10.0× 10.3× −1.10% (below 0%: shrinking) −29.89% (below 0%: shrinking) +112.10% (above 0%: growing) 0.00% 10.28% Compare
KINS Kingstone Companies, Inc $274.5M 7.6× 7.6× +25.93% (above 0%: growing) +32.10% (above 0%: growing) +220.06% (above 0%: growing) 100.00% 29.72% Compare
Median of peers $488.4M 9.8× 10.3× −1.39% +12.22% +47.02% 34.93% 9.42%

All 46 Insurance Property & Casualty stocks →

Pay and ownership Proxy statement filed 1 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.81m 2.65m 255.95
2024 211.15k 229.00k 262.35
2023 176.25k 215.00k 184.41
2022 161.90k 144.70k 20.66
2021 180.60k 174.60k 80.07

Ownership

Directors and executive officers, together 49.20%
R. Daniel Peed 34.80%
Leah Anneberg Peed 6.00%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

American Coastal Insurance Corporation (ACIC) Latest News

5 Nov

Impact 3 · · GuruFocus.com

30 Oct

Impact 3 · · The Motley Fool transcript
Impact 3 · · Moby

29 Oct

Impact 4 · · MarketBeat
Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press

13 Oct

Impact 4 · · MarketBeat

8 Oct

Impact 4 · · GlobeNewswire

14 Sep

Impact 3 ·

29 Aug

Impact 3 · · MarketBeat

12 Aug

Impact 4 · · The Motley Fool transcript

6 Aug

Impact 3 ·
Impact 3 ·

5 Aug

Impact 4 · · MarketBeat
Impact 4 ·
Impact 3 ·
Impact 3 ·

29 Jul

Impact 3 ·

5 May

Impact 4 · · Zacks
Impact 4 · · MarketBeat
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

17 Mar

Impact 3 · · GlobeNewswire

20 Feb

Impact 4 · · Moby
Impact 4 · · GuruFocus.com
Impact 3 · · GlobeNewswire

19 Feb

Impact 4 · · MarketBeat
Impact 4 · · Zacks
Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswire
stockrow.com/ACIC · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com