American Coastal Insurance Corporation (ACIC)
NASDAQ: ACIC · Real-Time Price · USD
12.04
+0.07 (0.58%)
Nov 11, 2025, 4:00 PM EST - Market closed

ACIC Statistics

Total Valuation

ACIC has a market cap or net worth of $587.13 million. The enterprise value is $471.73 million.

Market Cap587.13M
Enterprise Value 471.73M

Important Dates

The last earnings date was Wednesday, November 5, 2025, after market close.

Earnings Date Nov 5, 2025
Ex-Dividend Date Jan 2, 2025

Share Statistics

ACIC has 48.77 million shares outstanding. The number of shares has increased by 2.67% in one year.

Current Share Class 48.77M
Shares Outstanding 48.77M
Shares Change (YoY) +2.67%
Shares Change (QoQ) +0.57%
Owned by Insiders (%) 47.52%
Owned by Institutions (%) 31.77%
Float 25.02M

Valuation Ratios

The trailing PE ratio is 6.95 and the forward PE ratio is 13.38.

PE Ratio 6.95
Forward PE 13.38
PS Ratio 1.77
Forward PS 1.82
PB Ratio 1.77
P/TBV Ratio 2.23
P/FCF Ratio 4.88
P/OCF Ratio 4.88
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.63, with an EV/FCF ratio of 3.92.

EV / Earnings 5.54
EV / Sales 1.44
EV / EBITDA 3.63
EV / EBIT 3.84
EV / FCF 3.92

Financial Position

The company has a current ratio of 1.08, with a Debt / Equity ratio of 0.47.

Current Ratio 1.08
Quick Ratio 0.46
Debt / Equity 0.47
Debt / EBITDA 1.17
Debt / FCF 1.27
Interest Coverage 11.23

Financial Efficiency

Return on equity (ROE) is 29.35% and return on invested capital (ROIC) is 17.29%.

Return on Equity (ROE) 29.35%
Return on Assets (ROA) 6.61%
Return on Invested Capital (ROIC) 17.29%
Return on Capital Employed (ROCE) 25.12%
Revenue Per Employee $5.05M
Profits Per Employee $1.31M
Employee Count65
Asset Turnover 0.28
Inventory Turnover n/a

Taxes

In the past 12 months, ACIC has paid $28.90 million in taxes.

Income Tax 28.90M
Effective Tax Rate 25.13%

Stock Price Statistics

The stock price has decreased by -8.37% in the last 52 weeks. The beta is -0.51, so ACIC's price volatility has been lower than the market average.

Beta (5Y) -0.51
52-Week Price Change -8.37%
50-Day Moving Average 11.62
200-Day Moving Average 11.36
Relative Strength Index (RSI) 53.99
Average Volume (20 Days) 170,749

Short Selling Information

The latest short interest is 716,906, so 1.47% of the outstanding shares have been sold short.

Short Interest 716,906
Short Previous Month 684,562
Short % of Shares Out 1.47%
Short % of Float 2.87%
Short Ratio (days to cover) 4.37

Income Statement

In the last 12 months, ACIC had revenue of $328.33 million and earned $85.22 million in profits. Earnings per share was $1.71.

Revenue328.33M
Gross Profit 162.72M
Operating Income 122.84M
Pretax Income 115.00M
Net Income 85.22M
EBITDA 129.80M
EBIT 122.84M
Earnings Per Share (EPS) $1.71
Full Income Statement

Balance Sheet

The company has $288.44 million in cash and $152.46 million in debt, giving a net cash position of $115.41 million or $2.37 per share.

Cash & Cash Equivalents 288.44M
Total Debt 152.46M
Net Cash 115.41M
Net Cash Per Share $2.37
Equity (Book Value) 327.22M
Book Value Per Share 6.79
Working Capital 52.05M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $120.38 million and capital expenditures -$107,000, giving a free cash flow of $120.27 million.

Operating Cash Flow 120.38M
Capital Expenditures -107,000
Free Cash Flow 120.27M
FCF Per Share $2.47
Full Cash Flow Statement

Margins

Gross margin is 49.56%, with operating and profit margins of 37.41% and 25.96%.

Gross Margin 49.56%
Operating Margin 37.41%
Pretax Margin 35.03%
Profit Margin 25.96%
EBITDA Margin 39.53%
EBIT Margin 37.41%
FCF Margin 36.63%

Dividends & Yields

This stock pays an annual dividend of $0.50, which amounts to a dividend yield of 4.15%.

Dividend Per Share $0.50
Dividend Yield 4.15%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 29.16%
Buyback Yield -2.67%
Shareholder Yield 1.48%
Earnings Yield 14.51%
FCF Yield 20.48%
Dividend Details

Analyst Forecast

The average price target for ACIC is $16.00, which is 32.89% higher than the current price. The consensus rating is "Buy".

Price Target $16.00
Price Target Difference 32.89%
Analyst Consensus Buy
Analyst Count 1
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value n/a
Lynch Upside n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 6