American Coastal Insurance Corporation ACIC R2K
Financial Services · Insurance - Property & Casualty · United States
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, 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 July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
READ MORE ›$10.45
+2.87% 1Y
Market & Price
Market Cap
$506.45M
Current Price
$10.45
High / Low (52W)
$12.26 / $9.51
Beta
-0.47
Valuation
Stock P/E
4.88
Industry PE
12.01
Forward P/E
8.71
PEG Ratio
2.49
Book Value
$6.95
Price to Book
1.50
P/S
1.51
EV/EBITDA
3.35
Dividend Yield
-
Profitability & Returns
ROCE
-
ROE
35.89%
ROA
8.59%
Profit Margin
31.32%
Op Margin
39.15%
EPS (Latest Qtr)
$0.39
EPS (TTM)
$2.14
Balance Sheet & Liquidity
Debt/Equity
0.46
Quick Ratio
0.42
Current Ratio
1.07
Debt
$152.51M
Total Assets
$1.07B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
49.47%
Chg in Prom Hold
0.08%
FII / Inst Holding
37.20%
Chg in FII Hold
-0.00%
Financial Snapshot
Enterprise Value
$514.40M
Total Revenue (TTM)
$334.46M
EBITDA
$153.54M
Free Cash Flow
$-18.02M
Operating Cash Flow
$38.85M
Shares Outstanding
48.46M
Gross Margin
57.64%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
14.91%
Profit 5Y
40.91%
Revenue (YoY)
-1.40%
Earnings (YoY)
-9.90%
PROS
- Strong return on equity of 35.9%.
- Excellent profit margin of 31.3%.
- Compounding revenue at 14.9% over 5 years.
- Profit CAGR of 40.9% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ACIC American Coastal Insurance Corporation R2K | 10.45 | 4.88 | $506.45M | - | - | 35.89% | 14.91% | 40.91% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 85.34M | 89.81M | - | 107.56M | 120.92M | 127.20M | - | 122.63M | 178.07M | 171.13M | 182.59M | 180.13M | 183.15M | 187.65M | 181.09M | 202.32M | 204.78M | 207.60M | 210.42M | 176.30M | 216.40M | 212.73M | 161.79M | 155.45M | 162.74M | 102.37M | 115.79M | 123.79M | 90.32M | 73.54M | 52.53M | 66.60M | 68.66M | 82.14M | - | 72.08M | 86.36M | 90.29M | 86.27M | 71.12M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 8.13M | 12.88M | - | 4.31M | 15.16M | 5.03M | - | 5.90M | 12.63M | -45.52M | - | 11.64M | 19.32M | -15.89M | - | 12.33M | -3.63M | -36.09M | - | -15.83M | 29.47M | -100.57M | -26.29M | -32.79M | -18.70M | -45.65M | -33.18M | -70.78M | 33.26M | 21.59M | 18.29M | 30.56M | 24.08M | 36.06M | - | 28.91M | 40.27M | 45.09M | 39.28M | 28.10M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.72M | 2.72M | 2.72M | 2.66M | 2.34M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 26.19M | 37.55M | 42.37M | 36.62M | 25.75M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 6.48M | 9.52M | 9.89M | 10.05M | 6.50M |
| Net Income | 5.28M | 8.08M | 13.80M | 2.95M | 9.84M | 3.42M | -10.52M | 3.90M | 7.26M | -28.01M | 27.00M | 8.37M | 14.70M | -11.71M | -11.07M | 9.47M | -2.90M | -28.28M | -8.16M | -12.72M | 24.27M | -74.07M | -17.77M | -23.51M | -14.32M | -33.17M | -69.03M | -70.88M | 267.28M | 17.78M | 10.57M | 23.60M | 19.05M | 28.12M | - | 21.35M | 26.44M | 32.48M | 26.56M | 19.25M |
| Diluted EPS | 0.25 | 0.38 | 0.64 | 0.14 | 0.45 | 0.16 | -0.49 | 0.18 | 0.17 | -0.66 | 0.63 | 0.20 | 0.34 | -0.27 | -0.26 | 0.22 | -0.07 | -0.66 | -0.19 | -0.30 | 0.56 | -1.73 | -0.41 | -0.55 | -0.33 | -0.77 | -1.60 | -1.65 | 6.14 | 0.41 | 0.24 | 0.48 | 0.39 | 0.57 | 0.10 | 0.43 | 0.53 | 0.65 | - | 0.39 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 88.47M | 79.99M | 96.42M | 131.23M | 208.08M | 280.23M | 357.57M | 487.12M | 654.42M | 723.94M | 825.12M | 846.66M | - | 220.78M | 263.68M | 296.44M | 335.00M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 6.33M | -682.00K | 13.19M | 15.23M | 34.49M | 64.33M | 41.57M | 6.90M | 757.00K | -4.36M | -32.73M | -132.18M | - | 11.16M | 106.95M | 113.66M | 153.55M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 9.48M | 10.88M | 12.00M | 10.81M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.68M | 96.08M | 101.66M | 142.73M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | 26.23M | 10.88M | 25.34M | 35.94M |
| Net Income | 4.06M | -925.00K | 8.09M | 9.71M | 20.34M | 41.01M | 27.36M | 5.70M | 10.14M | 290.00K | -29.87M | -96.45M | - | -469.86M | 309.91M | 75.72M | 106.84M |
| Diluted EPS | 0.38 | -0.09 | 0.77 | 0.91 | 1.26 | 2.05 | 1.28 | 0.26 | 0.27 | 0.01 | -0.70 | -2.25 | - | -10.91 | 6.98 | 1.54 | 2.15 |
Compounded Sales Growth
| 5 Years: | 14.91% |
| 1 Year: | -1.40% |
Compounded Profit Growth
| 5 Years: | 40.91% |
| 1 Year: | -9.90% |
Stock Price Performance
| 1 Year: | +2.87% |
| 6 Months: | -7.03% |
| 3 Months: | -8.25% |
| 1 Month: | -11.81% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 213.62M | 240.22M | 313.61M | 441.23M | 584.17M | 740.02M | 999.69M | 2.06B | 2.32B | 2.47B | 2.85B | - | 2.84B | 1.06B | 1.22B | 1.07B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 29.49M | 27.09M | 71.64M | 41.64M | 71.20M | 34.89M | 61.39M | 84.79M | 150.69M | 229.56M | 112.68M | 215.47M | 239.42M | - | 70.90M | 138.93M | 137.04M | 198.76M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 835.85M | 386.74M | 309.98M | 198.65M |
| Total Liabilities | - | - | 168.33M | 185.23M | 225.63M | 333.64M | 380.41M | 500.81M | 758.36M | 1.52B | 1.78B | 1.94B | 2.43B | - | 3.02B | 893.61M | 980.45M | 755.17M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | 15.88M | 14.71M | 13.53M | 12.35M | 54.17M | 164.65M | 163.13M | 161.60M | 160.38M | - | 148.35M | 148.69M | 149.02M | 149.35M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 150.04M | 149.43M | 152.34M | 152.49M |
| Total Equity | - | - | 45.29M | 54.99M | 87.99M | 107.59M | 203.76M | 239.21M | 241.33M | 537.12M | 520.23M | 503.14M | 395.75M | - | -182.04M | 168.76M | 235.66M | 317.56M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 43.49M | 46.99M | 48.42M | 48.98M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 6.45M | -7.94M | 38.65M | 35.52M | 109.77M | 68.92M | 98.32M | 65.75M | 35.55M | 25.76M | 149.01M | -10.47M | - | -173.11M | -136.00M | 243.51M | 71.03M |
| Investing Cash Flow | -3.51M | 79.92M | -68.16M | -27.10M | -146.15M | -91.47M | -67.02M | -49.76M | -7.34M | -125.64M | -33.98M | 36.57M | - | 236.84M | -2.54M | -179.21M | 620.00K |
| Financing Cash Flow | -5.35M | -27.42M | -499.00K | 21.15M | 71.00K | 49.05M | -7.91M | 49.91M | 97.38M | 7.73M | -12.10M | -11.65M | - | -25.39M | 26.77M | -13.84M | -1.08M |
| Capital Expenditure | -108.00K | -73.00K | -20.00K | -452.00K | -1.87M | -6.35M | -10.92M | -3.15M | -5.24M | -4.07M | -21.90M | -10.85M | - | -3.05M | -196.00K | -22.00K | -155.00K |
| Free Cash Flow | 6.34M | -8.02M | 38.63M | 35.06M | 107.90M | 62.57M | 87.40M | 62.60M | 30.31M | 21.69M | 127.12M | -21.32M | - | -176.16M | -136.20M | 243.49M | 70.87M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | 38.33M | -111.78M | 50.46M | 70.56M |
| Share Buybacks | 0 | 0 | 431.00K | 0 | 0 | - | - | - | - | - | - | - | - | - | - | - | - |
| Dividends Paid | - | 529.00K | 518.00K | 982.00K | 1.94M | 3.34M | 4.30M | 4.97M | 8.99M | 10.27M | 10.28M | 10.31M | 10.35M | 2.59M | 0 | 24.10M | 0 |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 7.2% | -0.9% | 13.7% | 11.6% | 16.6% | 23.0% | 11.6% | 1.4% | 0.1% | -0.6% | -4.0% | -15.6% | - | 5.1% | 40.6% | 38.3% | 45.8% |
| Net Margin % | 4.6% | -1.2% | 8.4% | 7.4% | 9.8% | 14.6% | 7.7% | 1.2% | 1.6% | 0.0% | -3.6% | -11.4% | - | -212.8% | 117.5% | 25.5% | 31.9% |
| ROE % | - | -2.0% | 14.7% | 11.0% | 18.9% | 20.1% | 11.4% | 2.4% | 1.9% | 0.1% | -5.9% | -24.4% | - | 258.1% | 183.6% | 32.1% | 33.6% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
49.47%
Institutions
37.20%
Public Float
73.63%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 3.77% | 1.83M | $19.11M |
| 2 | Tieton Capital Management, LLC | 2.63% | 1.27M | $13.31M |
| 3 | Empyrean Capital Partners, LP | 2.33% | 1.13M | $11.78M |
| 4 | Vanguard Capital Management LLC | 2.06% | 996.64K | $10.41M |
| 5 | Punch & Associates Investment Management, Inc. | 1.67% | 808.71K | $8.45M |
| 6 | Dimensional Fund Advisors LP | 1.55% | 750.11K | $7.84M |
| 7 | American Century Companies Inc | 1.48% | 719.44K | $7.52M |
| 8 | Geode Capital Management, LLC | 1.27% | 615.86K | $6.44M |
| 9 | SEI Investments Co | 1.24% | 601.48K | $6.29M |
| 10 | Two Sigma Investments, LP | 1.17% | 564.75K | $5.90M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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