American Coastal Insurance Corporation

NasdaqCM:ACIC Stock Report

Market Cap: US$487.2m

American Coastal Insurance Future Growth

Future criteria checks 0/6

American Coastal Insurance's earnings are forecast to decline at 29.5% per annum while its annual revenue is expected to grow at 1.7% per year. EPS is expected to decline by 29.2% per annum. Return on equity is forecast to be 13.5% in 3 years.

Key information

-29.5%

Earnings growth rate

-29.24%

EPS growth rate

Insurance earnings growth1.0%
Revenue growth rate1.7%
Future return on equity13.45%
Analyst coverage

Low

Last updated06 Aug 2026

Recent future growth updates

Recent updates

Narrative Update • 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.
Narrative Update • 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.
Analysis Article • 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...
Analysis Article • 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...
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New Narrative • 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 Alpha
Analysis Article • 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 Alpha
Analysis Article • 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.

Earnings and Revenue Growth Forecasts

NasdaqCM:ACIC - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/202833744N/AN/A1
12/31/202732644N/AN/A1
12/31/202631043N/AN/A1
6/30/2026331100N/AN/AN/A
3/31/20263341063939N/A
12/31/20253351077171N/A
9/30/202532886120120N/A
6/30/202532081147147N/A
3/31/202530272145145N/A
12/31/202429776243244N/A
9/30/202426988291291N/A
6/30/202423975348348N/A
3/31/2024244779393N/A
12/31/202326485-136-136N/A
9/30/202328869-260-260N/A
6/30/202330826-415-414N/A
3/31/2023298-8-258-256N/A
12/31/2022222-24-176-173N/A
9/30/2022350-43-288-284N/A
6/30/2022440-30-264-259N/A
3/31/2022531-40-255-250N/A
12/31/2021229-2-301-295N/A
9/30/2021721-90-290-285N/A
6/30/2021771-149-184-178N/A
3/31/2021832-102-103-95N/A
12/31/2020847-96-21-10N/A
9/30/2020816-717185N/A
6/30/2020811-2586109N/A
3/31/2020799-52N/A169N/A
12/31/2019825-30N/A149N/A
9/30/2019796-33N/A132N/A
6/30/2019776-16N/A126N/A
3/31/20197541N/A39N/A
12/31/20187240N/A26N/A
9/30/201872538N/A52N/A
6/30/201870922N/A35N/A
3/31/201870415N/A3N/A
12/31/201765410N/A36N/A
9/30/2017603-27N/A61N/A
6/30/20175594N/A72N/A
3/31/20175027N/A20N/A
12/31/20164876N/A66N/A
9/30/201645630N/A104N/A
6/30/201641835N/A97N/A
3/31/201638330N/A120N/A
12/31/201535827N/A98N/A
9/30/201533425N/A93N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: ACIC's earnings are forecast to decline over the next 3 years (-29.5% per year).

Earnings vs Market: ACIC's earnings are forecast to decline over the next 3 years (-29.5% per year).

High Growth Earnings: ACIC's earnings are forecast to decline over the next 3 years.

Revenue vs Market: ACIC's revenue (1.7% per year) is forecast to grow slower than the US market (12.8% per year).

High Growth Revenue: ACIC's revenue (1.7% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: ACIC's Return on Equity is forecast to be low in 3 years time (13.5%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/08/09 11:58
End of Day Share Price 2026/08/07 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

AnalystInstitution
Matthew CarlettiCitizens JMP Securities, LLC
Michael PhillipsOppenheimer & Co. Inc.
Charles Gregory PetersRaymond James & Associates