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American Coastal Insurance Corporation ACIC

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Price alert · ACIC

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10.90 USD -0.02 -0.18%

At close · Nov 2

10.90 0.00 0.00%

After hours · Nov 2, 4:29 PM ET

Bid
10.90 × 2
Ask
10.91 × 2
10.85 Day range 11.10
9.01 52-week range 13.06
YTD
-13.70%
1 year
-7.94%
Open
10.97
Prev close
10.92
Mkt cap
515.45M
Vol
324.88K
Avg vol
283.42K
EPS
1.76
P/E
6.19
Div yield
0.00%
More statistics
Low
10.85
High
11.10
Forward P/E
8.80
Beta
-0.28
Short ratio
4.76
Inst. own
24.82%
Dividend
0.00
Ex-div date
Jan 1, 2025
50-d avg
12.78
200-d avg
11.52
1y target
16.00

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Financial health

Altman Z-Score

1.37 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 5.7×
FY 2016: 56.1×FY 2017: 63.9×FY 2018: 2444×FY 2019: -18.0×FY 2020: -2.5×FY 2021: -3.2×FY 2022: -0.1×FY 2023: 1.4×FY 2024: 8.5×FY 2025: 5.7×
FY 2016 5y median 1.4× FY 2025
P/S 1.8×
FY 2016: 0.7×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.7×FY 2020: 0.3×FY 2021: 0.8×FY 2022: 0.2×FY 2023: 1.6×FY 2024: 2.2×FY 2025: 1.8×
FY 2016 5y median 1.6× FY 2025
P/B 1.9×
FY 2016: 1.3×FY 2017: 1.2×FY 2018: 1.4×FY 2019: 1.1×FY 2020: 0.6×FY 2021: 0.6×FY 2022: -0.3×FY 2023: 2.5×FY 2024: 2.7×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
P/FCF 8.6×
FY 2016: 5.2×FY 2017: 70.6×FY 2018: 117×FY 2019: 4.2×FY 2020: -11.5×FY 2021: -0.6×FY 2022: -0.3×FY 2023: -3.1×FY 2024: 2.6×FY 2025: 8.6×
FY 2016 5y median -0.3× FY 2025
EV/EBITDA 3.5×
FY 2016: 11.7×FY 2017: 15.9×FY 2018: 31.4×FY 2019: -44.6×FY 2020: -1.5×FY 2021: 12.5×FY 2022: -1.0×FY 2023: 3.7×FY 2024: 5.4×FY 2025: 3.5×
FY 2016 5y median 3.7× FY 2025
EV/Sales 1.7×
FY 2016: 0.5×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.6×FY 2020: 0.2×FY 2021: 0.6×FY 2022: -0.2×FY 2023: 1.6×FY 2024: 2.2×FY 2025: 1.7×
FY 2016 5y median 1.6× FY 2025
FCF Yield 11.6%
FY 2016: 19.3%FY 2017: 1.4%FY 2018: 0.9%FY 2019: 23.6%FY 2020: -8.7%FY 2021: -161.3%FY 2022: -386.0%FY 2023: -32.2%FY 2024: 37.8%FY 2025: 11.6%
FY 2016 5y median -32.2% FY 2025

Profitability

Gross Margin 86.3%
FY 2016: 14.6%FY 2017: 17.3%FY 2018: 15.5%FY 2019: 10.6%FY 2020: 0.3%FY 2021: 20.3%FY 2022: 19.8%FY 2023: 53.7%FY 2024: 52.7%FY 2025: 86.3%
FY 2016 5y median 52.7% FY 2025
Operating Margin 42.6%
FY 2016: 1.4%FY 2017: 0.1%FY 2018: -0.6%FY 2019: -4.0%FY 2020: -15.6%FY 2021: -4.6%FY 2022: 0.8%FY 2023: 36.4%FY 2024: 37.6%FY 2025: 42.6%
FY 2016 5y median 36.4% FY 2025
Net Margin 31.8%
FY 2016: 1.2%FY 2017: 1.6%FY 2018: 0.0%FY 2019: -3.6%FY 2020: -11.4%FY 2021: -25.3%FY 2022: -212.8%FY 2023: 117.5%FY 2024: 25.5%FY 2025: 31.8%
FY 2016 5y median 25.5% FY 2025
ROE 33.6%
FY 2016: 2.4%FY 2017: 1.9%FY 2018: 0.1%FY 2019: -5.9%FY 2020: -24.4%FY 2021: -18.5%FY 2022: 260.8%FY 2023: 183.6%FY 2024: 32.1%FY 2025: 33.6%
FY 2016 5y median 33.6% FY 2025
ROIC 22.4%
FY 2016: 0.5%FY 2017: 0.1%FY 2018: 0.0%FY 2019: -1.1%FY 2020: -8.8%FY 2021: -0.2%FY 2022: -0.9%FY 2023: 20.2%FY 2024: 0.0%FY 2025: 22.4%
FY 2016 5y median 0.0% FY 2025
ROA 10.0%
FY 2016: 0.6%FY 2017: 0.5%FY 2018: 0.0%FY 2019: -1.2%FY 2020: -3.4%FY 2021: -2.1%FY 2022: -16.5%FY 2023: 29.2%FY 2024: 6.2%FY 2025: 10.0%
FY 2016 5y median 6.2% FY 2025

Growth (YoY)

Revenue 13.1%
FY 2016: 36.2%FY 2017: 34.3%FY 2018: 10.6%FY 2019: 14.0%FY 2020: 2.6%FY 2021: -73.0%FY 2022: -3.5%FY 2023: 19.4%FY 2024: 12.5%FY 2025: 13.1%
FY 2016 FY 2025
Operating Income 27.9%
FY 2016: -83.3%FY 2017: -87.0%FY 2018: -565.8%FY 2019: -669.2%FY 2020: -305.1%FY 2021: 92.1%FY 2022: 116.1%FY 2023: 5615.6%FY 2024: 16.1%FY 2025: 27.9%
FY 2016 FY 2025
EPS (diluted) 40.5%
FY 2016: -79.7%FY 2017: 3.8%FY 2018: -97.5%FY 2019: -10394.1%FY 2020: -221.4%FY 2021: 40.0%FY 2022: -705.2%FY 2023: 164.2%FY 2024: -78.1%FY 2025: 40.5%
FY 2016 FY 2025
Free Cash Flow -70.9%
FY 2016: -28.4%FY 2017: -85.5%FY 2018: -33.3%FY 2019: 2001.1%FY 2020: -116.8%FY 2021: -1310.3%FY 2022: 41.4%FY 2023: 22.7%FY 2024: 278.8%FY 2025: -70.9%
FY 2016 FY 2025

Financial Health

Current Ratio 1.2×
FY 2016: 7.4×FY 2017: 3.8×FY 2018: 6.9×FY 2019: 7.1×FY 2020: 126×FY 2021: 6.0×FY 2022: 17.3×FY 2023: 2.0×FY 2024: 0.0×FY 2025: 1.2×
FY 2016 5y median 2.0× FY 2025
Quick Ratio 1.2×
FY 2016: 9.7×FY 2017: 6.0×FY 2018: 8.3×FY 2019: 9.0×FY 2020: 144508×FY 2021: 7.1×FY 2022: 20.2×FY 2023: 11.6×FY 2024: 0.0×FY 2025: 1.2×
FY 2016 5y median 7.1× FY 2025
Debt / Equity 0.5×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: -0.8×FY 2023: 0.9×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -0.3×
FY 2016: -5.0×FY 2017: 0.5×FY 2018: 2.0×FY 2019: 5.2×FY 2020: 0.7×FY 2021: -5.0×FY 2022: -2.3×FY 2023: 0.1×FY 2024: 0.1×FY 2025: -0.3×
FY 2016 5y median -0.3× FY 2025
Interest Coverage 13.2×
FY 2016: 9.7×FY 2017: 0.3×FY 2018: -0.4×FY 2019: -3.3×FY 2020: -13.8×FY 2021: -1.1×FY 2022: 0.2×FY 2023: 8.8×FY 2024: 9.3×FY 2025: 13.2×
FY 2016 5y median 8.8× FY 2025

Dividends

Dividend Yield 4.0%
FY 2016: 1.5%FY 2017: 1.4%FY 2018: 1.4%FY 2019: 1.9%FY 2020: 4.2%FY 2021: 5.6%FY 2022: 5.7%FY 2023: 0.0%FY 2024: 3.7%FY 2025: 4.0%
FY 2016 5y median 4.0% FY 2025
Payout Ratio 22.7%
FY 2016: 87.3%FY 2017: 88.6%FY 2018: 3540.7%FY 2019: -34.4%FY 2020: -10.7%FY 2021: -17.9%FY 2022: -0.6%FY 2023: 0.0%FY 2024: 31.8%FY 2025: 22.7%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31