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. In the quarter to June 2026, revenue fell 4.48%, EPS fell 16.4%, free cash flow fell 54.5% and total debt rose 2.25%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

11.10 0.15 +1.37%
Market cap
$530.7M
P/E
5.3×
Fwd P/E
11.6×
Dividend yield
—
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total buys 0.15
Total sells 0.80
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — 1 3 — — — — — 1 —
Sell 1 — — — — — — — — 1 1 —
Insider Ownership 49.02%

Capital & Financial Ratios $m

Market Cap 530.69
Revenue 330.59
Net Income 100.20
Free Cash Flow (31.04)
Net Debt (164.68)
Current Ratio 0.88
Debt/Equity 0.45
P/E ratio 5.34
Fwd P/E 11.60
P/S ratio 1.61
P/B ratio 1.57
Past 5Y EPS Growth —
This Y EPS Growth (36.06%) (below 0%: weak)
Next Y EPS Growth (3.76%) (below 0%: weak)
Next Y revenue growth (11.67%) (below 0%: weak)
Next 5Y EPS Growth (24.36%) (below 0%: weak)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 15.70%
10-year low 10-year high
P/S against its own 10 years 78.56%
10-year low 10-year high
P/B against its own 10 years 65.20%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2028 Powerpack
2027 Powerpack
2026 Powerpack
2025 Powerpack
2024 Powerpack
2023 Powerpack
2022 0.06
0.06
2021 0.24
0.06
0.06
0.06
0.06
2020 0.24
0.06
0.06
0.06
0.06
2019 0.24
0.06
0.06
0.06
0.06
2018 0.24
0.06
0.06
0.06
0.06
2017 0.24
0.06
0.06
0.06
0.06
2016 0.23
0.05
0.06
0.06
0.06
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 157 199 293 317
Receivables 542 471 308 462
Inventory — — — —
Other — — — —
699 670 601 779
2023 2024 2025 Q'26
Payables 699 777 595 738
ST’ Debt 149 149 149 150
Other — — — —
847 926 744 887

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%

Revenue $m

Mar Jun Sep Dec Year
’26 71 83 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.39 0.44 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 9.52 13.05 15.72 10.72 4.34 2.76 0.29 0.92 8.82 9.97

Analyst estimates 2026–2028

Powerpack
High 20.04 17.81 22.43 16.98 12.66 8.16 4.71 10.28 15.08 13.50
People
People Employees 167 210 293 363 478 472 269 71 65 68
Revenue/emp, $m 2.92 3.12 2.47 2.27 1.77 0.48 0.82 3.72 4.56 4.93
Income, $m
Income, $m Revenue 487 654 724 825 847 229 222 264 297 335
Gross margin, % 14.60 17.33 15.50 10.59 0.28 20.31 20.11 53.81 52.70 57.11
EBT 7 1 (4) (33) (132) (10) 2 96 102 143
EBT margin, % 1.44 0.14 (0.59) (3.95) (15.60) (4.56) 0.76 36.34 34.27 42.55
Net income 6 10 0 (29) (95) (60) (470) 310 76 107
Depreciation 15 43 23 17 17 21 29 12 10 7
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
Earnings 0.27 0.27 0.01 (0.70) (2.25) (1.35) (10.87) 7.11 1.59 2.20
Cash flow 3.07 0.96 0.60 3.48 (0.24) (6.88) (4.02) (3.12) 5.09 1.47
Capex (0.15) (0.14) (0.10) (0.51) (0.25) (0.12) 0.42 0.01 0.00 0.00
Free cash flow 2.92 0.82 0.51 2.97 (0.50) (7.00) (3.60) (3.11) 5.09 1.46
Book value 11.27 14.46 12.67 12.25 9.74 7.73 (4.23) 3.87 4.93 6.55
Shares, m 21 37 43 43 43 43 43 44 48 48
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
P/S 0.70 0.99 0.98 0.65 0.29 0.82 0.19 1.60 2.17 1.83
P/B 1.41 1.21 1.31 1.03 0.59 0.56 0.00 2.51 2.73 1.93
EV/Sales 0.50 0.81 0.95 0.68 0.31 1.11 1.02 2.13 2.50 1.41
EV/FCF 3.91 17.57 31.57 4.40 (12.18) (0.84) (1.46) (4.16) 3.05 6.66
Cash, $m
Cash, $m Operating cash flow 66 36 26 149 (10) (295) (173) (136) 244 71
Capex (3) (5) (4) (22) (11) (5) 18 0 0 0
Free cash flow 63 30 22 127 (21) (301) (155) (136) 243 71
Balance, $m
Balance, $m Working capital (480) (648) (789) (914) (1,095) (889) (312) (148) (255) (143)
Total debt 54 161 160 159 158 157 148 149 149 149
Net debt (97) (115) (24) (128) (143) (89) 31 (8) (50) (144)
Shareholders’ equity 241 537 540 524 418 332 (182) 169 236 318
Returns, %
Returns, % ROA 0.66 0.66 0.01 (1.25) (3.63) (2.09) (16.97) 15.89 6.65 9.34
ROIC 2.98 0.11 (0.53) (5.17) (30.13) (2.71) 0.00 36.56 33.60 50.37
ROE 2.37 2.61 0.05 (5.61) (20.49) (15.45) (626.82) (4,669.44) 37.44 38.62
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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. $930.5M 7.4× 70.4× +23.36% (above 0%: growing) +660.00% (above 0%: growing) +86.85% (above 0%: growing) 100.00% 8.02% Compare
ROOT Root, Inc. $782.6M 13.6× 18.1× +1.65% (above 0%: growing) +13.24% (above 0%: growing) +12.08% (above 0%: growing) 38.36% 8.89% Compare
DGICA Donegal Group, Inc. $691.1M 9.5× 10.2× −2.44% (below 0%: shrinking) +29.79% (above 0%: growing) −51.37% (below 0%: shrinking) 26.73% 11.56% Compare
AII American Integrity Insurance Group, Inc. $542.8M 6.1× 6.1× +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 $530.7M 5.3× 11.6× −4.48% (below 0%: shrinking) −16.36% (below 0%: shrinking) −54.47% (below 0%: shrinking) 49.71% 37.28%
DGICB Donegal Group, Inc. $446.3M 10.7× 10.2× −2.44% (below 0%: shrinking) +17.02% (above 0%: growing) −51.37% (below 0%: shrinking) 26.73% 11.56% Compare
GBLI Global Indemnity PLC $355.0M 10.3× 11.2× +5.05% (above 0%: growing) +5.56% (above 0%: growing) −325.95% (below 0%: shrinking) 18.32% 12.42% Compare
NODK NI Holdings, Inc. $303.2M 39.3× — (loss-making) −7.66% (below 0%: shrinking) n/m −85.46% (below 0%: shrinking) 31.06% 0.33% Compare
KINS Kingstone Companies, Inc $269.0M 7.5× 6.1× +25.93% (above 0%: growing) +32.10% (above 0%: growing) +220.06% (above 0%: growing) 100.00% 29.72% Compare
Median of peers $494.5M 9.9× 10.2× +3.35% +17.02% −19.64% 34.71% 11.56%

All 45 Insurance Property & Casualty stocks →

American Coastal Insurance Corporation (ACIC) key facts

  • Strength: American Coastal Insurance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $335.4 million, up 13.1% from fiscal 2024.
  • American Coastal Insurance Corporation (ACIC) is an Insurance Property & Casualty company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, ACIC traded at $11.10, a market capitalization of $530.7 million.
  • Return on equity was 38.6% and debt-to-equity 0.45.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

American Coastal Insurance Corporation (ACIC) Latest News

22 May

stockrow.com/ACIC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com