American Coastal Insurance Corporation ACIC R2K
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 35.9%, reflecting efficient use of shareholder capital.
Net profit has compounded at 40.9% per year over the last five years.
Revenue has grown at a 14.9% CAGR over the past five years.
Trades at a P/E of 4.7, below the sector median of 13.5.
Maintains a net profit margin of 31.3%.
Recent Developments
- Dec 2025 Revenue of $335.00M (+13.0% YoY); net profit $106.84M.
- Trailing 12 Months Year-on-year growth — revenue -1.4%, earnings -9.9%.
- 5-Year Trend Long-term compounding — revenue CAGR 14.9%, profit CAGR 40.9%.
Growth & Price Performance
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: | -0.37% |
| 6 Months: | -10.12% |
| 3 Months: | -12.82% |
| 1 Month: | -3.06% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)33.97 · Neutral
P/E of 4.73 is below the sector median of 13.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
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.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 10.13 | 4.73 | $490.94M | 0.00% | - | 35.89% | 14.91% | 40.91% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | 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 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 82.40M | 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 | 214.00K | 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 | 198.00K | 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 | 0.01 | 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 | 0.43 | 0.53 | 0.65 | 0.53 | 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 |
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 | 42.93M | 48.07M | 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 % | 8.4% | -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 % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ACIC
ESNT or ACIC: Which Is the Better Value Stock Right Now?
ESNT vs. ACIC: Which Stock Is the Better Value Option?
Implied Volatility Surging for American Coastal Insurance Stock Options
Investors need to pay close attention to ACIC stock based on the movements in the options market lately.
American Coastal Insurance Corporation Announces the Completion of $14.4 Million in Common Stock Share Repurchases
ST. PETERSBURG, Fla., June 29, 2026 (GLOBE NEWSWIRE) -- American Coastal Insurance Corporation (Nasdaq Ticker: ACIC) (“the Company”, “American Coastal” or “ACIC”) the insurance holding company of American Coastal Insurance Company (“AmCoast…
FAF vs. ACIC: Which Stock Is the Better Value Option?
FAF vs. ACIC: Which Stock Is the Better Value Option?
Implied Volatility Surging for American Coastal Stock Options
Investors need to pay close attention to ACIC stock based on the movements in the options market lately.
US Undiscovered Gems to Watch in May 2026
Over the last 7 days, the United States market has remained flat, yet it has seen a substantial rise of 24% over the past year with earnings forecasted to grow by 17% annually. In this dynamic environment, identifying undiscovered gems requ…
ACIC — Frequently Asked Questions
What is the current share price of American Coastal Insurance Corporation (ACIC)?
As of 2026-07-15 16:51 PDT, American Coastal Insurance Corporation (ACIC) trades at $10.13 on NasdaqCM. Its 52-week range is $9.53 to $12.26.
What is the market capitalisation of ACIC?
American Coastal Insurance Corporation (ACIC) has a market capitalisation of $490.94M on NasdaqCM.
What is the P/E ratio of ACIC?
ACIC trades at a trailing price-to-earnings (P/E) ratio of 4.73. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.50.
What is the return on equity (ROE) of ACIC?
ACIC has a return on equity (ROE) of 35.89%.
Is ACIC a good stock to buy?
This page provides a data-driven analysis of American Coastal Insurance Corporation (ACIC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.