American Coastal Insurance (ACIC) Stock Overview
Through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
ACIC Community Fair Values
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Analyst Price Targets
American Coastal Insurance Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$10.44 |
| 52 Week High | US$13.06 |
| 52 Week Low | US$9.72 |
| Beta | -0.46 |
| 1 Month Change | -9.77% |
| 3 Month Change | -0.85% |
| 1 Year Change | 1.95% |
| 3 Year Change | 33.33% |
| 5 Year Change | 154.63% |
| Change since IPO | 126.96% |
Recent News & Updates
Recent updates
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.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.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...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...
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.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 AlphaAmerican 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...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 AlphaRevenues 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...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.Shareholder Returns
| ACIC | US Insurance | US Market | |
|---|---|---|---|
| 7D | -1.7% | 0.7% | 4.0% |
| 1Y | 2.0% | 8.4% | 20.7% |
Return vs Industry: ACIC underperformed the US Insurance industry which returned 10% over the past year.
Return vs Market: ACIC underperformed the US Market which returned 20.5% over the past year.
Price Volatility
| ACIC volatility | |
|---|---|
| ACIC Average Weekly Movement | 5.0% |
| Insurance Industry Average Movement | 4.7% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: ACIC has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: ACIC's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1999 | 68 | Brad Martz | www.amcoastal.com |
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.
American Coastal Insurance Corporation Fundamentals Summary
| ACIC fundamental statistics | |
|---|---|
| Market cap | US$479.75m |
| Earnings (TTM) | US$100.20m |
| Revenue (TTM) | US$330.59m |
Is ACIC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ACIC income statement (TTM) | |
|---|---|
| Revenue | US$330.59m |
| Cost of Revenue | US$143.40m |
| Gross Profit | US$187.19m |
| Other Expenses | US$86.99m |
| Earnings | US$100.20m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.15 |
| Gross Margin | 56.62% |
| Net Profit Margin | 30.31% |
| Debt/Equity Ratio | 43.9% |
How did ACIC perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/08/07 10:56 |
| End of Day Share Price | 2026/08/07 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
American Coastal Insurance Corporation is covered by 4 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Matthew Carletti | Citizens JMP Securities, LLC |
| Michael Phillips | Oppenheimer & Co. Inc. |
| Charles Gregory Peters | Raymond James & Associates |