American Coastal Insurance Corporation (ACIC) AI Stock Analysis

American Coastal Insurance Corporation, based in Saint Petersburg, Florida, operates through subsidiaries providing commercial and personal property and casualty insurance across the United States. Its personal lines include structure, content, and liability protection for single-family homeowners, renters, and condominium unit owners. In commercial lines, it provides multi-peril property insurance for residential condominium associations and apartment complexes, covering risks such as fire, wind, hail, water damage, theft, and vandalism. The company also offers equipment breakdown, identity theft, and cyber security coverage. Distribution is handled through an independent agency network. Established in 1999, the firm was formerly known as United Insurance Holdings Corp. before rebranding in August 2023.

Revenue expanded from $228.7M in FY2021 to $335.4M in FY2025, reflecting 13.1% growth in FY2025 following a 12.5% increase in FY2024. Profitability improved over this span, with net income shifting from -$57.9M in FY2021 and -$469.9M in FY2022 to $106.8M in FY2025, accompanied by an operating margin of 42.6% and a gross margin of 86.3%. Over the 5-year period from FY2020 to FY2025, revenue CAGR was -16.9%. For the trailing twelve months, revenue was $330.6M with diluted EPS of $2.01 and a profit margin of 30.3%. In the latest quarter ending June 30, 2026, revenue fell 4.5% year-over-year and earnings declined 16.6%.

As of June 30, 2026, American Coastal Insurance Corporation held $328.0M in cash and short-term investments against $152.5M in total debt, resulting in net cash of $175.5M. Total assets stood at $1.24B and shareholders' equity was $340.8M, yielding a debt-to-equity ratio of 0.45 and a current ratio of 1.22. In FY2025, the company generated $71.0M in operating cash flow and $70.9M in free cash flow, while spending $155,000 on capital expenditures. Over the past five years, the share count increased by 14.7%.

At $11.10 per share, American Coastal Insurance Corporation has a market capitalization of $524.7M and an enterprise value of $364.7M. The stock trades at a trailing P/E of 5.5x and a forward P/E of 7.1x, below the median of its US-listed Financial Services peers, which trade at a trailing P/E of 12.1x and forward P/E of 10.8x. Its price-to-sales of 1.6x also sits below the peer median of 3.2x, while its PEG ratio is 3.06. Over the past year, ACIC returned 1.3% compared to a 16.8% return for the S&P 500 (SPY), while its 5-year return of 214.4% outperformed the index return of 83.0%.

One analyst covers American Coastal Insurance Corporation with a Hold rating. The mean price target is $13.00, representing a 17.1% upside compared to the last close of $11.10. For the fiscal year ending December 31, 2026, the consensus expects revenue of $381.7M and EPS of $1.33, reflecting an estimated EPS decline of 36.1%. Over the last four quarters, the company beat EPS estimates twice. The next earnings release is scheduled for November 4, 2026.

This page is an AI-written research summary of American Coastal Insurance Corporation (ACIC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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