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ACICAmerican Coastal Insurance Corporation
$11.52$558M
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ACIC logoAmerican Coastal Insurance Corporation(ACIC)Earnings, Financials & Key Ratios

ACIC•NASDAQ•Insurance & Managed Care
$11.52
5.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutAmerican Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, 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 August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.Show more
  • Revenue$335M+13.1%
  • Combined Ratio57.45%-7.9%
  • Net Income$107M+41.1%
  • Return on Equity38.62%+3.1%
  • Medical Cost Ratio13.73%-71.0%
  • Operating Margin42.55%+13.1%
  • Net Margin31.85%+24.8%
  • ROA9.34%+40.3%
  • Equity / Assets29.6%+52.8%

ACIC Price & Volume

American Coastal Insurance Corporation (ACIC) stock price & volume — 10-year historical chart

Loading chart...

Underwriting Discipline Offsets Florida Catastrophe Exposure Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Florida catastrophe reinsurance volatility

Key Thesis Takeaways

  • American Coastal Insurance Corporation is successfully pivoting toward a concentrated commercial residential portfolio, evidenced by a robust 63.8% combined ratio in 2026Q1.
  • While the company has significantly strengthened its equity base to $331.7 million, investors should monitor the volatility in operating cash flows and the potential for legacy liabilities to obscure core earnings power.
  • The firm's reliance on capital reserves to fund a $36.6 million dividend payment in 2026Q1 warrants caution regarding the long-term sustainability of shareholder returns amidst inherent regional catastrophe risks.

Verdict Logic

while the company demonstrates disciplined underwriting with a 63.8% combined ratio, the negative $5.7 million operating cash flow in 2026Q1 and reliance on capital reserves for dividends suggest significant liquidity risks that require further investigation.

ACIC Growth Metrics

American Coastal Insurance Corporation (ACIC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-0.64%
5 Years-16.9%
3 Years14.96%
TTM10.69%

Profit CAGR

10 Years14.59%
5 Years-
3 Years-
TTM42.57%

EPS CAGR

10 Years5.32%
5 Years-
3 Years-
TTM40.94%

Return on Capital

10 Years3.47%
5 Years8.13%
3 Years13.66%
Last Year25.98%

ACIC Recent Earnings

American Coastal Insurance Corporation (ACIC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
May 5, 2026
Metric
Actual
Est
EPS
$0.39-11.4%
$0.44
Rev
$149M-14.7%
$175M
Q1 2026
Feb 19, 2026
Metric
Actual
Est
EPS
$0.51+21.4%
$0.42
Rev
$115M-18.6%
$141M
Q4 2025
Nov 5, 2025
Metric
Actual
Est
EPS
$0.61+56.4%
$0.39
Rev
$90M+8.2%
$83M
Q3 2025
Aug 6, 2025
Metric
Actual
Est
EPS
$0.54+42.1%
$0.38
Rev
$86M-0.7%
$87M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$0.39vs $0.44-11.4%
$149Mvs $175M-14.7%
Q1 2026Feb 19, 2026
$0.51vs $0.42+21.4%
$115Mvs $141M-18.6%
Q4 2025Nov 5, 2025
$0.61vs $0.39+56.4%
$90Mvs $83M+8.2%
Q3 2025Aug 6, 2025
$0.54vs $0.38+42.1%
$86Mvs $87M-0.7%
Based on last 12 quarters of dataView full earnings history →

Latest ACIC News

Recent stock market news and headlines for American Coastal Insurance Corporation (ACIC)

Zacks Investment Research·4 days ago
ESNT or ACIC: Which Is the Better Value Stock Right Now?

Investors interested in stocks from the Insurance - Property and Casualty sector have probably already heard of Essent Group (ESNT) and American Coastal Insurance (ACIC). But which of these two companies is the best option for those looking for undervalued stocks?

Zacks Investment Research·Jun 30, 2026
Implied Volatility Surging for American Coastal Insurance Stock Options

Investors need to pay close attention to ACIC stock based on the movements in the options market lately.

GlobeNewsWire·Jun 29, 2026
American Coastal Insurance Corporation Announces the Completion of $14.4 Million in Common Stock Share Repurchases

ST. PETERSBURG, Fla., June 29, 2026 (GLOBE NEWSWIRE) -- American Coastal Insurance Corporation (Nasdaq Ticker: ACIC) (“the Company”, “American Coastal” or “ACIC”) the insurance holding company of American Coastal Insurance Company (“AmCoastal”), announced today the completion of $14.4 million in common stock share repurchases during the second quarter of 2026. Raymond James & Associates, Inc. acted as the broker for these repurchases, which took place in the open market and were completed on June 26, 2026. In total, the Company repurchased 1,365,980 shares at an average price of $10.57 per share. This brings total repurchases for the year to $19.4 million. The Company remains authorized to repurchase an additional $5.6 million of common stock under the direction of its Board of Directors.

Peers Comparison

Key metrics vs top competitors for American Coastal Insurance Corporation (ACIC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ACIC logoACICAmerican Coastal Insurance CorporationCurrent
$11.52$558.31M5.3613.07%31.85%38.62%—
HCI logoHCIHCI Group, Inc.
$180.41$2.34B7.2520.21%32.64%30.81%—
UPC logoUPCUniverse Pharmaceuticals Inc.
$6.32$3.56M-0.01-22.44%-30.33%-27.02%—
HRTG logoHRTGHeritage Insurance Holdings, Inc.
$27.20$825.52M4.303.71%25.99%43.68%—
ALL logoALLThe Allstate Corporation
$251.46$64.73B6.584.64%18.09%42.74%—
TRV logoTRVThe Travelers Companies, Inc.
$343.73$73.09B12.535.17%15.54%24.14%—

Compare ACIC vs Peers

American Coastal Insurance Corporation (ACIC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HCI

Most directly comparable listed peer for ACIC.

Scale Benchmark

vs CB

Larger-name benchmark to compare ACIC against a more recognizable public peer.

Peer Set

Compare Top 5

vs HCI, UPC, HRTG, ALL

ACIC SEC Filings & Documents

American Coastal Insurance Corporation (ACIC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 14, 2026·SEC

Material company update

May 11, 2026·SEC

Material company update

Mar 19, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 2, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 11, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 11, 2025·SEC

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ACIC Frequently Asked Questions

American Coastal Insurance Corporation (ACIC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is American Coastal Insurance Corporation growing?

American Coastal Insurance Corporation (ACIC) grew revenue by 13.1% over the past year. This is steady growth.

Is ACIC profitable?

Yes, American Coastal Insurance Corporation (ACIC) is profitable, generating $104.7M in net income for fiscal year 2025 (31.8% net margin).

Dividend & Returns
What is ACIC's return on equity?

American Coastal Insurance Corporation (ACIC) has a return on equity (ROE) of 38.6%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is American Coastal Insurance Corporation's combined ratio?

American Coastal Insurance Corporation (ACIC) has a combined ratio of 57.4%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in ACIC back in 2006?

Total return calculator · dividends reinvested · 20+ years of data

See returns →