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American Coastal Insurance (ACIC)
NASDAQ:ACIC
ACIC Stock Chart & Stats
$11.54
$0.17(1.40%)
At close: 4:00 PM EST
$11.54
$0.17(1.40%)
Day’s Range― - ―
52-Week Range$9.97 - $13.06
Previous CloseN/A
Volume82.45K
Average Volume (3M)145.03K
Market Cap
$562.75M
Enterprise Value$428.20M
Total Cash (Recent Filing)$292.85M
Total Debt (Recent Filing)$155.62M
Price to Earnings (P/E)5.4
Beta0.55
Next Earnings
May 07, 2026EPS Estimate
0.44Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.52
Shares Outstanding48,765,300
10 Day Avg. Volume117,144
30 Day Avg. Volume145,026
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)1.93
Price to Sales (P/S)1.83
P/FCF Ratio-1.20
Enterprise Value/Market Cap0.76
Enterprise Value/Revenue1.28
Enterprise Value/Gross Profit2.00
Enterprise Value/Ebitda2.70
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.49
Revenue Forecast (FY)$583.62M
Bulls Say, Bears Say
Bulls Say
Underwriting ProfitabilitySustained low combined ratios indicate disciplined underwriting and favorable loss trends, which support recurring underwriting profitability. Persistently sub‑target underlying ratios reduce capital strain from losses and improve the company's ability to fund growth and reinsurance over multiple cycles.
Stronger Liquidity & Capital BaseMaterial cash and equity gains bolster solvency and provide a durable capital buffer for catastrophe seasons, support reinsurance placements, and fund strategic initiatives. A larger, more liquid balance sheet improves flexibility for deleveraging, program growth, and opportunistic capital returns.
Strategic E&S Expansion & PartnershipsA structured quota‑share and creation of ACES represent a deliberate diversification beyond Florida condos, adding new premium sources and geographic spread. The partnership and capped reinsurance retention transfer catastrophe risk while enabling measured, scalable entry into higher-margin specialty E&S markets.
Bears Say
Volatile Cash GenerationSharp year-to-year cash flow swings reduce predictability of internal funding for reinsurance, debt reduction, or buybacks. Negative free cash flow in 2025 constrains capital allocation, increases reliance on external financing or asset sales, and raises refinancing risk around the 2027 debt maturity.
Declining Written PremiumsA near‑term structural soft market and rate declines (notably post‑Florida reforms) have reduced scale. Continued rate pressure limits top‑line growth and the ability to spread fixed costs; prolonged lower writings necessitate stricter risk selection, which may cap future premium expansion and operating leverage.
Execution & Margin Risk From E&S ExpansionRegulatory timing for ACES and the likelihood that E&S combined ratios exceed the core Florida condo book introduce execution and margin dilution risk. If E&S underwriting or approval timelines slip, or new lines prove structurally lossier, diversification could raise volatility and pressure consolidated underwriting margins.
American Coastal Insurance News
ACIC FAQ
What was American Coastal Insurance’s price range in the past 12 months?
American Coastal Insurance lowest stock price was $9.97 and its highest was $13.05 in the past 12 months.
What is American Coastal Insurance’s market cap?
American Coastal Insurance’s market cap is $562.75M.
When is American Coastal Insurance’s upcoming earnings report date?
American Coastal Insurance’s upcoming earnings report date is May 07, 2026 which is in 64 days.
How were American Coastal Insurance’s earnings last quarter?
American Coastal Insurance released its earnings results on Feb 19, 2026. The company reported $0.52 earnings per share for the quarter, beating the consensus estimate of $0.42 by $0.1.
Is American Coastal Insurance overvalued?
According to Wall Street analysts American Coastal Insurance’s price is currently Overvalued.
Does American Coastal Insurance pay dividends?
American Coastal Insurance pays a Notavailable dividend of $0.5 which represents an annual dividend yield of N/A. See more information on American Coastal Insurance dividends here
What is American Coastal Insurance’s EPS estimate?
American Coastal Insurance’s EPS estimate is 0.44.
How many shares outstanding does American Coastal Insurance have?
American Coastal Insurance has 48,765,300 shares outstanding.
What happened to American Coastal Insurance’s price movement after its last earnings report?
American Coastal Insurance reported an EPS of $0.52 in its last earnings report, beating expectations of $0.42. Following the earnings report the stock price went down -2.156%.
Which hedge fund is a major shareholder of American Coastal Insurance?
Currently, no hedge funds are holding shares in ACIC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
American Coastal Insurance Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
― (―)
― (―)
Hedge Fund Trend
Increased
By 18.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $35.5K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▲ 2.5%
Last 30 Days ▼ 3.0%
Last 30 Days ▼ 3.0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-3.88%
12-Months-Change
Fundamentals
Return on Equity
29.35%
Trailing 12-Months
Asset Growth
6.63%
Trailing 12-Months
Company Description
American Coastal Insurance
American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.
ACIC Company Deck
ACIC Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong underwriting performance, profitability above guidance, materially improved liquidity and book value, and strategic initiatives (E&S expansion and partnerships). These positives were tempered by a 19% year-over-year decline in premiums written driven by a softer, more competitive market and falling rates, some increases in operating costs, and execution/timing risks related to ACES and future reinsurance dynamics. Management stressed discipline, capital-return flexibility, and plans to deleverage, while acknowledging potential margin pressure if cost reductions do not keep pace with rate declines.View all ACIC earnings summariesACIC Stock 12 Month Forecast
Average Price Target
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Ownership Overview
42.67% Insiders
4.89% Mutual Funds
6.87% Other Institutional Investors
38.30% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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