American Coastal Insurance Corporation (ACIC) Key Metrics
ACIC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $524.7M
- Enterprise value
- $364.7M
- P/E (TTM)
- 5.5 10-yr median 8.8
- Forward P/E
- 7.1
- PEG ratio
- 3.06
- Price / sales
- 1.6 10-yr median 0.9
- Price / book
- 1.3 10-yr median 1.3
- EV / EBITDA
- — 10-yr median 3.6
- Dividend yield
- —
- Beta
- −0.53
ACIC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsACIC valuation Price multiples at each fiscal year-end price.
ACIC returns How much profit the business earns on the capital it uses.
ACIC per-share figures Results divided by the shares outstanding at year-end.
ACIC financial health Debt, liquidity and how easily interest is covered.
ACIC efficiency & capital use Working capital cycle and where the cash goes.
ACIC valuation history
ACIC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
ACIC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
ACIC cash returned to shareholders
ACIC price vs earnings per share
ACIC key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $628.8M | $664.4M | $419.9M | $45.6M | $186.4M | $245.2M | $539.2M | $712.0M | $644.7M | $327.2M |
| Enterprise value | $469.4M | $531.7M | $234.9M | −$406.1M | −$530.5M | −$773.9M | −$390.8M | −$101.4M | $531.0M | −$287.9M |
| P/E ratio | 5.9 | 8.8 | 1.4 | — | — | — | — | — | 63.6 | 57.4 |
| Price / sales | 1.9 | 2.2 | 1.6 | 0.2 | 0.8 | 0.3 | 0.7 | 1.0 | 1.0 | 0.7 |
| Price / book | 2.0 | 2.8 | 2.5 | — | 0.6 | 0.6 | 1.0 | 1.3 | 1.2 | 1.4 |
| Price / free cash flow | 8.9 | 2.7 | — | — | — | — | 4.2 | 117.7 | 71.1 | 5.2 |
| Price / operating cash flow | 8.9 | 2.7 | — | — | — | — | 3.6 | 70.4 | 45.1 | 5.0 |
| EV / sales | 1.4 | 1.8 | 0.9 | -1.8 | -2.3 | -0.9 | -0.5 | -0.1 | 0.8 | -0.6 |
| EV / EBITDA | 2.9 | 4.3 | 2.0 | — | — | — | — | — | 12.7 | — |
| EV / free cash flow | 6.6 | 2.2 | — | — | — | — | — | — | 58.5 | — |
| Earnings yield | 17.0% | 11.4% | 73.8% | −1,029.6% | −31.1% | −39.3% | −5.5% | 0.0% | 1.6% | 1.7% |
| Free cash flow yield | 11.3% | 36.6% | −32.4% | −386.0% | −161.3% | −8.7% | 23.6% | 0.8% | 1.4% | 19.1% |
| Dividend yield | 0.0% | 3.6% | 0.0% | 5.7% | 5.6% | 4.2% | 1.9% | 1.4% | 1.4% | 1.5% |
| Shareholder yield (dividends + buybacks) | 0.0% | 3.8% | 0.0% | 5.7% | 5.6% | 4.2% | 2.0% | 1.5% | 1.4% | 1.6% |
| Share price at fiscal year-end | $12.63 | $13.46 | $9.46 | $1.06 | $4.34 | $5.72 | $12.61 | $16.62 | $17.25 | $15.14 |
| Per share | ||||||||||
| Revenue per share | $6.74 | $6.01 | $5.94 | $5.13 | $5.32 | $19.75 | $19.29 | $16.90 | $17.51 | $22.54 |
| Earnings per share | $2.15 | $1.53 | $6.98 | −$10.91 | −$1.35 | −$2.25 | −$0.70 | $0.01 | $0.27 | $0.26 |
| Operating cash flow per share | $1.43 | $4.93 | −$3.06 | −$4.02 | −$6.88 | −$0.24 | $3.48 | $0.24 | $0.38 | $3.04 |
| Free cash flow per share | $1.42 | $4.93 | −$3.07 | −$4.09 | −$7.00 | −$0.50 | $2.97 | $0.14 | $0.24 | $2.90 |
| Cash per share | $6.26 | $5.77 | $7.53 | $14.08 | $20.39 | $27.52 | $25.73 | $22.76 | $7.39 | $31.43 |
| Book value per share | $6.38 | $4.77 | $3.80 | −$4.19 | $7.73 | $9.23 | $12.25 | $12.61 | $14.37 | $11.17 |
| Tangible book value per share | $4.35 | $3.45 | $2.27 | −$5.86 | $5.60 | $7.02 | $9.93 | $10.18 | $11.21 | $6.90 |
| Dividends per share | $0.00 | $0.49 | $0.00 | $0.06 | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | $0.23 |
| Capex per share | $0.00 | $0.00 | $0.00 | $0.07 | $0.12 | $0.25 | $0.51 | $0.09 | $0.14 | $0.15 |
| Debt per share | $3.06 | $3.09 | $3.37 | $3.59 | $3.70 | $3.74 | $3.98 | $3.77 | $4.35 | $2.97 |
| Shares outstanding | 49.8M | 49.4M | 44.4M | 43.1M | 42.9M | 42.9M | 42.8M | 42.8M | 37.4M | 21.6M |
| Change in shares outstanding | +0.9% | +11.2% | +3.1% | +0.2% | +0.2% | +0.2% | −0.2% | +14.6% | +72.9% | +0.8% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 38.6% | 37.4% | — | — | −15.9% | −21.0% | −5.6% | 0.1% | 2.6% | 2.4% |
| Return on invested capital (ROIC) | 81.8% | 193.2% | — | — | — | — | — | — | 3.7% | — |
| Return on assets (ROA) | 9.3% | 6.7% | 15.9% | −17.0% | −2.1% | −3.6% | −1.2% | 0.0% | 0.7% | 0.7% |
| Return on tangible assets | 11.0% | 6.6% | 31.2% | −17.0% | −2.2% | −3.5% | −1.3% | 0.0% | 0.5% | 0.6% |
| Free cash flow margin | 21.1% | 82.1% | −51.7% | −79.8% | −131.5% | −2.5% | 15.4% | 0.8% | 1.4% | 12.9% |
| Income quality (OCF / net income) | 0.66 | 3.22 | −0.44 | — | — | — | — | 34.89 | 1.41 | 11.54 |
| Financial health | ||||||||||
| Total debt | $152.5M | $152.3M | $149.5M | $154.6M | $158.7M | $160.4M | $170.3M | $161.6M | $162.5M | $64.1M |
| Cash & short-term investments | $311.8M | $285.0M | $334.5M | $606.4M | $875.6M | $1.18B | $1.10B | $975.0M | $276.3M | $679.3M |
| Net debt | −$159.3M | −$132.7M | −$185.0M | −$451.8M | −$716.9M | −$1.02B | −$930.1M | −$813.4M | −$113.7M | −$615.2M |
| Debt / equity | 0.48 | 0.65 | 0.89 | — | 0.48 | 0.41 | 0.33 | 0.30 | 0.30 | 0.27 |
| Debt / assets | 0.14 | 0.13 | 0.14 | 0.05 | 0.06 | 0.06 | 0.07 | 0.07 | 0.08 | 0.06 |
| Net debt / EBITDA | −1.00 | −1.08 | −1.57 | −13.10 | −67.29 | — | — | −33.74 | −2.73 | −31.65 |
| Current ratio | 1.22 | 4.99 | 2.03 | 17.30 | 6.01 | 126.46 | 7.10 | 6.89 | 3.82 | 7.43 |
| Quick ratio | 1.22 | 4.99 | 11.60 | 20.23 | 7.13 | — | 9.04 | 8.35 | 5.98 | 9.74 |
| Interest coverage | 13.2 | 9.3 | 8.8 | 0.2 | -1.1 | -13.8 | -3.3 | -0.4 | 0.3 | 9.7 |
| Working capital | $128.5M | $283.9M | $78.2M | $2.19B | $1.63B | $1.4M | $1.49B | $1.45B | $551.6M | $642.4M |
| Invested capital | $158.2M | $103.0M | −$16.2M | −$632.0M | −$384.9M | −$623.3M | −$406.2M | −$273.0M | $423.4M | −$373.9M |
| Tangible asset value | $216.8M | $170.3M | $100.7M | −$252.4M | $240.5M | $322.6M | $424.7M | $436.0M | $418.8M | $149.2M |
| Net current asset value | −$31.8M | −$625.4M | −$737.9M | −$694.9M | −$414.7M | −$2.43B | −$206.3M | −$84.2M | −$775.5M | −$10.7M |
| Graham number | $17.55 | $12.84 | $24.44 | — | — | — | — | $1.39 | $9.37 | $8.14 |
| Graham net-net per share | −$5.78 | −$9.38 | −$14.16 | −$30.69 | −$20.16 | −$31.82 | −$14.12 | −$10.37 | −$29.57 | −$6.55 |
| Capital allocation | ||||||||||
| Dividends paid | $0 | $24.1M | $0 | $2.6M | $10.3M | $10.3M | $10.3M | $10.3M | $9.0M | $5.0M |
| Share buybacks (net) | — | $1.4M | $24,000 | $25,000 | $39,000 | $25,000 | $296,000 | $418,000 | $287,000 | $270,000 |
| Dividend payout ratio | 0.0% | 31.8% | 0.0% | — | — | — | — | — | 88.6% | 87.3% |
| Dividends + buybacks / free cash flow | 0.0% | 10.5% | — | — | — | — | 8.3% | 176.6% | 102.3% | 8.4% |
| Capex / revenue | 0.0% | 0.0% | 0.1% | 1.4% | 2.3% | 1.3% | 2.7% | 0.6% | 0.8% | 0.6% |
| Capex / operating cash flow | 0.2% | 0.0% | — | — | — | — | 14.7% | 40.2% | 36.6% | 4.8% |
| Capex / depreciation | 0.02 | 0.00 | 0.02 | 0.13 | 0.45 | 0.98 | 1.83 | 0.22 | 0.14 | 0.27 |
| Stock-based compensation / revenue | 1.3% | 0.9% | 0.5% | 0.6% | 0.5% | 0.2% | 0.4% | 0.3% | 0.4% | 0.4% |
| R&D / revenue | — | 120.6% | — | — | — | — | — | — | — | — |
| SG&A / revenue | 7.0% | 12.5% | 15.9% | 14.8% | 14.1% | 8.7% | 8.2% | 9.4% | 12.6% | 9.0% |
| Efficiency | ||||||||||
| Days sales outstanding | 281.7 | 428.6 | 1,457.0 | 2,310.0 | 1,583.9 | 333.1 | 300.5 | 300.7 | 148.9 | 40.1 |
| Days of inventory on hand | — | — | -1,669.1 | -781.7 | -1,954.1 | -446.0 | -206.7 | -233.6 | -220.7 | -179.5 |
| Days payables outstanding | 1,383.0 | 318.5 | 313.8 | 473.3 | 658.6 | 124.8 | 121.5 | 131.9 | 99.7 | 72.1 |
| Cash conversion cycle (days) | -1,101.3 | 110.1 | -526.0 | 1,055.1 | -1,028.8 | -237.7 | -27.6 | -64.7 | -171.5 | -211.6 |
| Receivables turnover | 1.30 | 0.85 | 0.25 | 0.16 | 0.23 | 1.10 | 1.21 | 1.21 | 2.45 | 9.10 |
| Payables turnover | 0.26 | 1.15 | 1.16 | 0.77 | 0.55 | 2.92 | 3.00 | 2.77 | 3.66 | 5.06 |
| Asset turnover | 0.29 | 0.26 | 0.14 | 0.08 | 0.08 | 0.32 | 0.34 | 0.33 | 0.43 | 0.56 |
| Average receivables | $258.9M | $348.4M | $1.05B | $1.40B | $992.4M | $772.6M | $679.3M | $596.4M | $267.0M | $53.5M |
| Average payables | $174.4M | $122.4M | $105.0M | $229.6M | $328.8M | $288.8M | $245.5M | $221.0M | $147.8M | $82.2M |
| Average inventory | — | — | −$558.4M | −$379.3M | −$975.7M | −$1.03B | −$417.7M | −$391.4M | −$327.1M | −$204.6M |
| Intangibles / total assets | 9.4% | 5.4% | 6.4% | 2.5% | 3.4% | 3.3% | 4.0% | 4.5% | 5.7% | 9.3% |
Computed from ACIC's annual financial statements (latest annual report filed March 2, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
ACIC valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), American Coastal Insurance traded at 5.9 times earnings, against a 10-year median of 8.8. Based on the latest twelve months, the trailing P/E is 5.5 and the forward P/E is 7.1. American Coastal Insurance earned a return on equity of 38.6% and a return on invested capital of 81.8% in fiscal 2025. It ended the year with $152.5 million of debt and $311.8 million in cash and short-term investments, a net cash position of $159.3 million. The share count rose 130.3% from 21.6M to 49.8M over 9 years.
See the ACIC income statement, the ACIC chart for price history, or the ACIC stock overview for the latest quote and news.
ACIC key metrics FAQ
What is American Coastal Insurance's P/E ratio?
American Coastal Insurance's trailing P/E ratio is 5.5 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 7.1. At the end of fiscal 2025 it was 5.9, compared with a 10-year median of 8.8.
What is American Coastal Insurance's EV/EBITDA?
American Coastal Insurance's enterprise value was 2.9 times EBITDA at the end of fiscal 2025 (enterprise value $469.4 million, EBITDA $160.1 million).
What is American Coastal Insurance's return on equity?
American Coastal Insurance's return on equity (ROE) was 38.6% in fiscal 2025: net income of $106.8 million on average shareholders' equity of $276.6 million.
What is American Coastal Insurance's ROIC?
American Coastal Insurance's return on invested capital was 81.8% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does American Coastal Insurance have?
American Coastal Insurance had total debt of $152.5 million at the end of fiscal 2025, a debt-to-equity ratio of 0.48 and more cash than debt.
Does American Coastal Insurance pay a dividend?
American Coastal Insurance did not pay a dividend in fiscal 2025.
What is American Coastal Insurance's free cash flow yield?
American Coastal Insurance generated $70.9 million of free cash flow in fiscal 2025, a free cash flow yield of 11.3% on its market value at year-end ($628.8 million).
What is American Coastal Insurance's current ratio?
American Coastal Insurance's current ratio was 1.22 at the end of fiscal 2025: current assets were 1.22 times current liabilities.