American Coastal Insurance (ACIC) Aperçu de l'action
American Coastal Insurance Corporation, par l'intermédiaire de ses filiales, exerce principalement des activités d'assurance dommages pour les entreprises et les particuliers aux États-Unis. Plus de détails
| Score flocon de neige | |
|---|---|
| Évaluation | 5/6 |
| Croissance future | 0/6 |
| Performances passées | 4/6 |
| Santé financière | 5/6 |
| Dividendes | 3/6 |
Récompenses
Analyse des risques
ACIC Community Fair Values
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Analyst Price Targets
American Coastal Insurance Corporation Concurrents
Historique des prix et performances
| Historique des cours de bourse | |
|---|---|
| Prix actuel de l'action | US$11.17 |
| Plus haut sur 52 semaines | US$13.06 |
| Plus bas sur 52 semaines | US$9.80 |
| Bêta | -0.52 |
| Variation sur 1 mois | 6.89% |
| Variation sur 3 mois | -3.87% |
| Variation sur 1 an | 3.33% |
| Variation sur 3 ans | 162.21% |
| Variation sur 5 ans | 153.29% |
| Évolution depuis l'introduction en bourse | 142.83% |
Nouvelles et mises à jour récentes
Recent updates
Mise à jour du récit • Dec 15
ACIC: Dividend Payout And Stable Outlook Will Support Balanced Future Returns
Analysts have nudged their price target on American Coastal Insurance to 14.00 dollars from 14.00 dollars, essentially unchanged. Modestly lower projected revenue growth and profit margins are viewed as offset by a slightly higher assumed future price to earnings multiple and a steady discount rate.Mise à jour du récit • Nov 07
ACIC: Expanding Into Florida Will Improve Market Presence Despite Climate Risks
Analysts have revised their price target for American Coastal Insurance to $14.00. They are maintaining their previous outlook, as updated models now reflect tempered revenue growth forecasts, balanced by slightly improved profit margin expectations.Article d’analyse • Feb 20
Here's Why We Think American Coastal Insurance (NASDAQ:ACIC) Might Deserve Your Attention Today
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Article d’analyse • Nov 07
Improved Earnings Required Before American Coastal Insurance Corporation (NASDAQ:ACIC) Stock's 40% Jump Looks Justified
American Coastal Insurance Corporation ( NASDAQ:ACIC ) shareholders would be excited to see that the share price has...
Nouveau récit • Sep 24
Reinsurance Strategy And Streamlining Operations Set To Propel Growth And Profitability
Strategic adjustments and divestments aim to boost profitability and streamline operations, focusing on more lucrative commercial lines.Seeking Alpha • Jul 17
American Coastal Insurance: A Remarkable Comeback
Summary American Coastal Insurance has strong first quarter earnings with a combined ratio of 57.8% and core ROE of 69.7%, offering attractive earnings for investors. The company has a contrarian-like underwriting strategy focusing on high-risk areas, with solid reinsurance support and low-cost operations driving profitability. Earnings are well-protected with better rates in high-risk areas, cost-cutting measures, and a strong MGA agreement, leading to potential upside. Shares are a buy with a price target of $15. Read the full article on Seeking AlphaArticle d’analyse • Feb 16
American Coastal Insurance Corporation (NASDAQ:ACIC) Stock Rockets 29% As Investors Are Less Pessimistic Than Expected
Despite an already strong run, American Coastal Insurance Corporation ( NASDAQ:ACIC ) shares have been powering on...Seeking Alpha • Jan 12
American Coastal Insurance: Stock Continues To Gain Traction But Caution Required
Summary American Coastal Corporation has shown strong underwriting performance and impressive top-line numbers, compensating for losses in the third quarter. ACIC's growth must remain elevated, as year-over-year revenue growth is ahead of the sector, but signs of slowing profitability were seen in Q3. ACIC's low book value per share, lack of a paying dividend, and need to enter new markets suggest a hold rating for now. Read the full article on Seeking AlphaArticle d’analyse • Dec 25
Revenues Not Telling The Story For American Coastal Insurance Corporation (NASDAQ:ACIC)
With a median price-to-sales (or "P/S") ratio of close to 1x in the Insurance industry in the United States, you could...Seeking Alpha • Oct 12
United Insurance estimates $36.4M in catastrophe losses from Hurricane Ian
United Insurance (NASDAQ:UIHC), a property and casualty insurer located in Saint Petersburg, Florida, has estimated $36.4M in pre-tax catastrophe losses incurred from Hurricane Ian, it said Wednesday. That figure consisted of a net retention of $16.4M, including ~$7.4M to United Property & Casualty Insurance Company, $9.0M to American Coastal Insurance Company, and a $20M retention by its captive reinsurer, UPC Re. The insurer said it expects to receive a total of 27K-30K claims with a gross estimated loss of $1B, having already gotten ~19K claims to date. In addition, UIHC anticipates incurring about $16M of reinstatement premiums that will be amortized over the remaining course of its Core Catastrophe reinsurance program expiring May 31, 2023. "There is a very high degree of uncertainty regarding the long-term economic implications of this event for our Company, and the entire industry," sad United Insurance President and CFO Brad Martz. Previously, (Aug. 25) United Insurance files withdrawal plans in three states due to personal-lines uncertainty.Seeking Alpha • Sep 27
United Insurance: More United Revenue Streams May Lead To A Rebound
Summary United Insurance Holdings Corp. remains hammered by unfavorable market conditions. Its complete focus on commercial lines may help improve its cost-reduction strategies. Its liquidity position is still solid, allowing it to sustain its operations and cover financial leverage. The downtrend in the stock price is consistent with the fundamentals. United Insurance Holdings Corp. (UIHC) is one of the popular P&C insurance providers in Florida. Over the years, it has been through several economic downturns and rebounded. Yet, external pressures are tougher - inflation, roofing scams, and insurance exodus, to name a few. The rising costs, matched with lower policy renewals, are more evidence that it had to make an important decision. Thankfully, it maintains a stellar financial positioning to suffice its operations and cope with the upcoming changes. Its plan may not pay off, given its gloomy growth prospects, but it appears to be a wise move. It may also take a long time to regain its footing and bounce back. Patience, prudence, efficiency, and prudence are some attributes it has to improve to meet its target. Likewise, the stock price remains adherent to its fundamental trend as it continues to drop. Company Performance The state of Florida may not be a conducive place for many companies in the financial sector. The market volatility and the increased frequency of natural calamities are some problems. Yet, there appears to be more than meets the eye. It is more evident in the insurance industry, particularly P&C insurance providers. In recent years, there have been six insurance companies withdrawing from the state. Earlier this year, another three companies started liquidating. The pandemic disruptions, higher claims, and tighter competition are the primary drivers. UIHC is not exempt. It must be noted that many of its peers are also experiencing massive setbacks. That is why it is reasonable to say that Florida must prepare for a potential P&C insurance exodus. Policyholders and contractors hurt many companies amidst the rampant roofing scams. Despite this, it appears that UIHC is trying its best to strategize and stay afloat amidst market pressures. In Q2 quarter, operating revenue amounted to $115.79 million, a 26% year-over-year decrease. Yet, it is a slight rebound from 1Q 2022 at $102.37 million, giving it a 13% increase. The massive change in the last year has been driven by policy additions and renewals. We can see the downtrend in the policy renewals in personal lines, leading to a 25% reduction. Thankfully, UIHC is determined to offset it by its strategic pricing that continues to increase. It moves in line with the increase in additional premiums as the demand for P&C insurance increases. Only, the overall impact of lower policy renewals is much greater than higher premium rates and policy additions. Operating Revenue and Losses/Claims (MarketWatch) Meanwhile, commercial lines are stable and still show promise. Policy rates, additions, and renewals are in an uptrend, offsetting the decrease in personal lines. So, commercial lines now appear to be the stronger segment with a steady increase in demand. The operating revenue of this segment is $50.5 million, a 14% increase from the comparative quarter. The prudent management of its investment portfolio is also part of its core competencies. Investment yields are also stable in a high-inflation environment. UIHC may still make a comeback. But, these promising prospects may not materialize soon. Patience and prudence must work hand in hand before their strategies and efforts pay off. It will still take a long time as economic uncertainties remain evident in the U.S. Plus, the hurricane season is not done yet. The figures show that focusing on commercial lines may be a wise move to stabilize its operations. Aside from sustained policy additions and renewals, this segment appears to be more efficient. Operating costs and expenses are lower. Underlying losses are more manageable in commercial lines than personal lines. The operating costs and expenses of personal lines of $114 million (page 5) are more than thrice as much as that of commercial lines at only $32 million. It can be attributed to the higher amount and frequency of claims. Also, roofing scams are more evident in personal lines. The operating margin is -26% vs -20% in 2Q 2021. But, it is better than in 1Q 2022 at -42%. The operating margin of commercial lines is 30% vs 13% in 2Q 2021, proving the enhanced demand and efficiency in the commercial lines segment. Operating Margin (MarketWatch) Commercial Lines Operating Margin (MarketWatch) If we compare it to its close peers, UIHC is lagging behind them. Its revenue growth and operating margin are negative and second to the lowest. It also has the highest drop in policies in force, primarily due to the decrease in personal lines. It appears to have a hard time sustaining the demand in both segments while keeping costs and expenses low. It must work better and wiser to bounce back, and its decision to withdraw personal lines may be an ideal move. Revenue Growth (MarketWatch) Policies in Force (2Q 2022 Financial Report) Operating Margin (MarketWatch) Potential Risks United Insurance Holdings Corp. has been hammered in the last year. It was one of those unperturbed insurance providers in Florida amidst the pandemic. Yet, the widespread roofing scams and increased natural calamities are almost unbearable. To address the problem, the company is working on its transition after its reorganization. Also, it plans to withdraw its personal lines segment in Florida and other states. It can be challenging since personal lines are one of the primary revenue components. But doing so may help it manage its costs and manage policy retention better. It may also lead to an orderly run-off that may materialize in the long-run. We have to weigh the impact though to know how much it will improve or further aggravate the situation. The P&C insurance industry in Florida is plagued with roofing scams. The state only comprises 9% of the total P&C insurance claims in the US. Yet, almost 80% of lawsuits are fraudulent. Numerous reports point to the possible connivance of roofers, public adjusters, and salespeople. They even connive with the homeowners. For instance, scams begin under the pretense of free roof inspection by roofing contractors after the storm. They come knocking at the door of random households, claiming to have seen roof damage and offering a free inspection. After a while, they come back to the owners confirming the roof damage and come back with proof damage. They convince the homeowner to have the insurance company cover roof damages. It has been problematic and rampant for many P&C insurance provider, especially in Florida, given its exposure to storms and hurricanes. To combat the connivance between policyholders and contractors, the government exerts more effort. It allows P&C insurance companies to be stricter with claims approval. But, companies are still in a disadvantaged position. They can’t deny claims whether due to natural disasters or deliberate actions if the roof age is below fifteen years. On average, roof age is twenty years. So, problems are still visible. Insurers are faced with choices between adhering to these restrictions or leaving the state. UIHC is a popular insurance provider and one of the most active in targeting more individuals. Perhaps it is a wise move to implement more stringent underwriting policies. But, it led to a 25% year-over-year decrease in policy retention. The increase in policy rates and additional policies could not offset the impact. Another risk is the vulnerability of Florida to natural disasters. Research on the OCHA Services shows that over 400 catastrophic events happened worldwide. The number is 20% higher than the average in 2001-2020. In the U.S. alone, there were 97 natural disasters in 2021, accounting for 22% of the global data. Since 2017, a total of 101 severe storms and hurricanes have been recorded. The uptrend is evident, showing the increased frequency and intensity of natural disasters. The risk is higher in Florida with 41% of hurricanes hitting Florida since 1850. In 2021, it was one of the ten hard-hit states, leading to billion-dollar damages. As global warming becomes more evident, experts expect more frequent and severe disasters. The US had $742 billion in damages brought about by natural calamities in the last five years. This value is way higher than the 1980-2021 average. With the above-normal intensity of natural disasters, more risks and costs may be incurred. As such, P&C insurance becomes at the forefront of climate resilience. Indeed, it is challenging to have this industry in the state. The roofing scams and higher exposure to hurricanes may bring more risks to the business. It may have higher claims due to the combination of these two factors. Now that it has fewer revenue streams, it must be more strategic with the pricing. It must be more careful with policy approval to lower the risk of scams and manage expenses better. Potential Opportunities United Insurance Holdings Corp. is the fourth Florida-based P&C insurance provider I have covered. I can say that it appears to be the weakest so far. My observation is based on the current results, especially its massive decline in policies and margins. Even so, I can see its potential to rebound as it tries to match its operating capacity and viability with the current market conditions. It may not be easy, so stakeholders must be wiser and more patient. There are opportunities that can help UIHC speed up its recovery. Right now, it still appears weaker than usual, but its fundamentals remain sound. This aspect may tell that UIHC is still capable of maneuvering in a stormy market landscape. UIHC has a solid liquidity position, allowing it to cover its main liabilities. Cash levels are stable, comprising 26% of the total assets. Also, its percentage is higher than in 2Q 2021 at 20%. Investments are way lower than in 2021, which can be attributed to the operational contraction. Also, interest rate hikes affect investment valuation and yields. If we combine cash and investments, their value will be 74% of the total assets. They can also cover borrowings and insurance liabilities even in a single payment. Borrowings are also stable, showing that it still can sustain its operations without increasing its financial leverage. It has adequate capacity to cover its present requirements, which is vital amidst its reorganization. Cash and Investments and Insurance Liabilities/Borrowings (MarketWatch) Another opportunity is the potential expansion in the P&C insurance industry. It means more demand and revenues for P&C insurance companies. Recent estimates of the Insurance Journal show that it the U.S. expansion may reach 3.7% this year and 3.3% in 2024. Likewise, the global P&C insurance industry may expand by more than 5% in the next 12 months. Given this, its plan to pull out personal lines in Florida and other states appears to be a double-edged sword. It already lost many policyholders, as shown by the decrease in policies in force. But, it may be a wise move amidst roofing scams and more frequent natural disasters. As discussed, Florida has more exposure to hurricanes, given its location. So, it may avert more claims from homeowners and other individuals. It may also be more relaxed, knowing that it is a fresh start to eradicate false roof damage claims. Personal lines account for more costs and expenses due to higher claims. The net income of commercial lines of $18.8 million or $0.44 per share is higher than $5.5 million or $0.13 per share in 2Q 2021. It conveys that focusing on commercial lines segment can be more lucrative. “Due to significant uncertainty around the future availability of reinsurance for our personal lines business, I believe placing United P&C into an orderly run-off is prudent and necessary to protect the Company and its policyholders. The Company is actively pursuing opportunities to leverage our people, technology, and other capabilities. Our commercial business continues to perform well and provides the Company a stable platform to build new engines of growth and profitability,” said Dan Peed, Chairman & CEO. Estimated P&C Insurance Expansion (Insurance Journal) Even better, withdrawing from personal lines means it can focus on commercial lines better. Note that there is tighter competition in P&C insurance, especially in Florida. It may be confusing at first, given the P&C insurance exodus in Florida. But, the increasing preference of many P&C insurance companies to commercial lines rather than the problematic personal lines may start competition in the segment. Thankfully, UIHC currently focuses on commercial lines, providing it more advantage to improve this segment. Moreover, it has better pricing flexibility. Many reviews show that its policies are 7% cheaper than its peers. On average, its P&C insurance is way lower than the state and national average. It has a more flexible pricing system, which can adjust to market changes. It is evident in how its premium rate continues to increase in response to inflation. With regard to inflation, it appears to be in an autumn lull. It continues to decrease at 8.3% although it is still way higher than pre-pandemic levels. Despite this, the demand for P&C insurance is still higher as shown by its policy additions. It may become better once the economy stabilizes. It has to focus on how it can expand its commercial lines.Seeking Alpha • Aug 25
United Insurance files withdrawal plans in three states due to personal-lines uncertainty
United Property & Casualty Insurance Company, a subsidiary of United Insurance Holdings (NASDAQ:UIHC), on Thursday has filed plans of withdrawal in Florida, Louisiana and Texas involving non-renewing personal lines policies in those states. Regulatory approval has been received in Louisiana but is still pending in Florida and Texas. United P&C intends to pursue the same such action in New York. “Due to significant uncertainty around the future availability of reinsurance for our personal lines business, I believe placing United P&C into an orderly run-off is prudent and necessary to protect the Company and its policyholders," said CEO and Chairman Dan Peed. Peed added the his Florida-based company's commercial business "continues to perform well." Previously, (August 8) United Insurance Non-GAAP EPS of -$1.49 misses by $1.26, revenue of $115.79M beats by $1.81M.Rendement pour les actionnaires
| ACIC | US Insurance | US Marché | |
|---|---|---|---|
| 7D | -1.6% | -0.3% | 0.1% |
| 1Y | 3.3% | 5.0% | 20.3% |
Rendement vs Industrie: ACIC a sous-performé le secteur US Insurance qui a rapporté 5 % au cours de l'année écoulée.
Rendement vs marché: ACIC a sous-performé le marché US qui a rapporté 20.3 % au cours de l'année écoulée.
Volatilité des prix
| ACIC volatility | |
|---|---|
| ACIC Average Weekly Movement | 5.3% |
| Insurance Industry Average Movement | 4.3% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.2% |
Cours de l'action stable: ACIC n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.
Volatilité au fil du temps: La volatilité hebdomadaire de ACIC ( 5% ) est restée stable au cours de l'année écoulée.
À propos de l'entreprise
| Fondée | Salariés | PDG | Site web |
|---|---|---|---|
| 1999 | 68 | Brad Martz | www.amcoastal.com |
American Coastal Insurance Corporation, par l'intermédiaire de ses filiales, exerce principalement des activités d'assurance dommages pour les entreprises et les particuliers aux États-Unis. La société propose une couverture de la structure, du contenu et de la responsabilité civile pour les propriétaires de maisons unifamiliales, les locataires et les propriétaires de condominiums. Elle propose également une assurance multirisque commerciale pour les associations de copropriétaires et les appartements, ainsi qu'une couverture pour les assurés en cas de perte ou de dommages causés aux bâtiments, aux stocks et à l'équipement par le feu, le vent, la grêle, l'eau, le vol et le vandalisme.
American Coastal Insurance Corporation Résumé des fondamentaux
| ACIC statistiques fondamentales | |
|---|---|
| Capitalisation boursière | US$534.60m |
| Bénéfices(TTM) | US$106.34m |
| Recettes(TTM) | US$334.46m |
5.0x
Ratio P/E1.6x
Ratio P/SLe site ACIC est-il surévalué ?
Voir Juste valeur et analyse de l'évaluationBénéfices et recettes
| ACIC compte de résultat (TTM) | |
|---|---|
| Recettes | US$334.46m |
| Coût des recettes | US$141.67m |
| Marge brute | US$192.80m |
| Autres dépenses | US$86.46m |
| Les revenus | US$106.34m |
Derniers bénéfices déclarés
Mar 31, 2026
Prochaine date de publication des résultats
s/o
| Résultat par action (EPS) | 2.22 |
| Marge brute | 57.64% |
| Marge bénéficiaire nette | 31.79% |
| Ratio dettes/capitaux propres | 45.1% |
Quelles ont été les performances à long terme de ACIC?
Voir les performances historiques et les comparaisonsDividendes
6.7%
Rendement actuel des dividendesn/a
Ratio de distributionAnalyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/07/13 18:19 |
| Cours de l'action en fin de journée | 2026/07/10 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github ; nous proposons également des guides sur la façon d’utiliser nos rapports et des tutoriels sur YouTube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
American Coastal Insurance Corporation est couverte par 4 analystes. 2 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Matthew Carletti | Citizens JMP Securities, LLC |
| Michael Phillips | Oppenheimer & Co. Inc. |
| Charles Gregory Peters | Raymond James & Associates |