American Coastal Insurance (ACIC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

American Coastal Insurance

NasdaqCM•Financial Services•Insurance - Property & Casualty

$9.20+0.02(<0.01%)Market open

Market Cap

$441.02M

P/E

4.4x

P/S

1.3x

P/B

1.3x

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. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.

How this company scores

GoodMetricSide Score: 73/100

Strongest: Balance Sheet & Red Flags (25/25); weakest: Cash & Earnings Quality (6/25).

Profitability22/25

Growth20/25

Balance Sheet & Red Flags25/25

Cash & Earnings Quality6/25

Strengths

Strong marginsHigh ROERising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 4.4x5y range 1.6x – 8.4x

Currently below its 11-quarter median.

P/S · 1.3x5y range 0.7x – 2.2x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.3x – 6.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

Free cash flow has been negative in 4 of the last 8 quarters — earnings are not translating to cash.

Cash Burn

Watch

4 of the last 8 quarters had negative FCF — inconsistent cash generation raises sustainability concerns.

Price & Volume

Market Cap $441.02M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $330.59M
Q. Revenue: $82.60M
TTM EBITDA: $137.74M
TTM Op. Income: $132.97M
Q. Op. Income: $28.45M
TTM Net Income: $100.20M
Q. Net Income: $21.90M
EPS: $0.46
Shares Out.: $48.09M

$330.59M in TTM revenue grew 5.5% YoY, reaching $82.60M last quarter. TTM EBITDA of $137.74M and TTM operating income of $132.97M show growth is flowing through to the bottom line. TTM net income of $100.20M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 35.4%
Op. Margin: 34.4%
Net Margin: 26.5%

Op. margin of 34.4% is down 7.4% YoY — costs are rising relative to revenue. Net margin at 26.5% Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 4.4x
P/S Ratio: 1.3x
P/B Ratio: 1.3x

At 4.4x P/E, the stock trades below typical market levels. P/S of 1.3x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 6 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.24B
Cash: $218.94M
Long-Term Debt: $149.52M
Book Value: $340.79M
D/E Ratio: 0.4
Debt/EBITDA: 5.1

With $1.24B in assets and $149.52M in long-term debt, D/E is 0.4and book value is $340.79M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $58.50M
TTM Free Cash Flow: $-31.04M
FCF Margin: -9.4%
FCF / Net Income: -0.3

TTM FCF of $-31.04M on $58.50M in operating cash flow. The FCF / Net Income ratio of -0.3x means the business consumes cash — it is not yet self-funding. Across the last 8 quarters, free cash flow has fallen for 4 consecutive quarters — a weakening trend.