Latest Ratios: P/E Ratio 5.3x · EV/EBITDA 3.1x · ROE 38.6%. (2006–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $550M | $629M | $664M | $420M | $46M | $186M | $245M | $539M | $712M | $645M | $327M |
| Enterprise Value | $504M | $582M | $680M | $416M | $-30095806 | $133M | $166M | $483M | $759M | $667M | $231M |
| P/E Ratio → | 5.28 | 5.87 | 8.80 | 1.36 | — | — | — | — | 2444.12 | 63.89 | 58.23 |
| P/S Ratio | 1.64 | 1.87 | 2.24 | 1.59 | 0.21 | 0.82 | 0.29 | 0.65 | 0.98 | 0.99 | 0.67 |
| P/B Ratio | 1.78 | 1.98 | 2.82 | 2.49 | — | 0.56 | 0.59 | 1.03 | 1.32 | 1.20 | 1.36 |
| P/FCF | 7.76 | 8.87 | 2.73 | — | — | — | — | 4.24 | 117.68 | 71.07 | 5.23 |
| P/OCF | 7.74 | 8.85 | 2.73 | — | — | — | — | 3.62 | 70.37 | 45.06 | 4.98 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.74 | 2.29 | 1.58 | -0.14 | 0.58 | 0.20 | 0.59 | 1.05 | 1.02 | 0.47 |
| EV / EBITDA | 3.08 | 3.57 | 5.64 | 3.90 | -1.20 | 98.35 | — | — | 53.32 | 17.35 | 12.33 |
| EV / EBIT | 3.53 | 3.79 | 5.98 | 3.89 | -2.70 | — | — | — | 134.96 | 160.44 | 29.86 |
| EV / FCF | — | 8.22 | 2.79 | — | — | — | — | 3.80 | 125.52 | 73.52 | 3.69 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 86.3% | 86.3% | 52.7% | 53.7% | 19.8% | 20.3% | 0.3% | 10.6% | 15.5% | 17.3% | 14.6% |
| Operating Margin | 42.6% | 42.6% | 37.6% | 36.4% | 0.8% | -4.6% | -15.6% | -4.0% | -0.6% | 0.1% | 1.4% |
| Net Profit Margin | 31.8% | 31.8% | 25.5% | 117.5% | -212.8% | -25.3% | -11.4% | -3.6% | 0.0% | 1.6% | 1.2% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 38.6% | 38.6% | 37.4% | 183.6% | -619.2% | -15.5% | -20.5% | -5.6% | 0.1% | 2.6% | 2.4% |
| ROA | 9.3% | 9.3% | 6.7% | 15.9% | -17.0% | -2.1% | -3.6% | -1.2% | 0.0% | 0.7% | 0.7% |
| ROIC | 41.0% | 41.0% | 38.9% | 40.2% | 13.7% | -2.5% | -24.6% | -4.6% | -0.6% | 0.2% | 3.4% |
| ROCE | 26.0% | 26.0% | 9.8% | 5.2% | 0.1% | -0.4% | -5.2% | -1.5% | -0.2% | 0.1% | 0.9% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.48 | 0.48 | 0.65 | 0.89 | — | 0.48 | 0.38 | 0.30 | 0.30 | 0.30 | 0.22 |
| Debt / EBITDA | 0.93 | 0.93 | 1.26 | 1.40 | 6.00 | 117.32 | — | — | 11.24 | 4.20 | 2.89 |
| Net Debt / Equity | — | -0.15 | 0.06 | -0.03 | — | -0.16 | -0.19 | -0.11 | 0.09 | 0.04 | -0.40 |
| Net Debt / EBITDA | -0.28 | -0.28 | 0.13 | -0.04 | -3.03 | -39.62 | — | — | 3.33 | 0.58 | -5.16 |
| Debt / FCF | — | -0.65 | 0.06 | — | — | — | — | -0.44 | 7.84 | 2.45 | -1.54 |
| Interest Coverage | 14.20 | 14.20 | 9.47 | 9.83 | 1.18 | -0.12 | -12.79 | -2.33 | 0.57 | 1.28 | 10.69 |
Net cash position: cash ($199M) exceeds total debt ($152M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.22 | 1.22 | — | 2.03 | 17.30 | 6.01 | 126.46 | 7.10 | 6.89 | 3.82 | 7.43 |
| Quick Ratio | 1.22 | 1.22 | — | 11.60 | 20.23 | 7.13 | 144508.36 | 9.04 | 8.35 | 5.98 | 9.74 |
| Cash Ratio | 0.52 | 0.52 | — | 1.93 | 4.51 | 2.70 | 107308.80 | 4.50 | 3.96 | 1.41 | 6.80 |
| Asset Turnover | — | 0.31 | 0.24 | 0.25 | 0.08 | 0.08 | 0.30 | 0.33 | 0.31 | 0.32 | 0.49 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 3.6% | — | 5.7% | 5.6% | 4.2% | 1.9% | 1.4% | 1.4% | 1.5% |
| Payout Ratio | — | — | 31.8% | — | — | — | — | — | 3540.7% | 88.6% | 87.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 18.9% | 17.0% | 11.4% | 73.8% | — | — | — | — | 0.0% | 1.6% | 1.7% |
| FCF Yield | 12.9% | 11.3% | 36.6% | — | — | — | — | 23.6% | 0.8% | 1.4% | 19.1% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.1% | 0.0% | 0.0% | 0.1% | 0.1% | 0.0% | 0.1% |
| Total Shareholder Yield | 0.0% | 0.0% | 3.6% | 0.0% | 5.7% | 5.6% | 4.2% | 2.0% | 1.5% | 1.4% | 1.6% |
| Shares Outstanding | — | $50M | $49M | $44M | $43M | $43M | $43M | $43M | $43M | $37M | $22M |
Florida catastrophe reinsurance volatility
Based on reported financial data, ACIC trades at a P/B of 1.75, which suggests that investors are pricing in the successful transition to a commercial-focused model while remaining cautious regarding the lingering legacy liabilities from the former United Insurance Holdings corporate structure.
The current P/B multiple appears to reflect a discount relative to peers with more stable, long-term underwriting track records. This valuation suggests that the market is waiting for further evidence of sustained ROE expansion before assigning a premium multiple to the company's specialized Florida commercial residential franchise.
As reported in quarterly filings, ACIC achieved a combined ratio of 63.8% in 2026Q1, indicating that the company's strategic pivot toward high-margin commercial residential risks is successfully generating significant underwriting profit despite the inherent volatility of the Florida property insurance market.
The trajectory of the combined ratio, which has remained largely below 70% in recent quarters, suggests that the company's underwriting focus is effectively mitigating the loss frequency seen in legacy personal lines. Investors should monitor whether this efficiency can be maintained as the company scales its commercial book.
According to recent financial statements, ACIC has maintained a debt-to-equity ratio of 0.48 as of 2026Q1, which indicates a disciplined approach to capital management that provides a necessary buffer against the high-severity loss events typical of the Florida commercial residential insurance landscape.
This leverage profile appears to support the company's ability to retain more risk on its own balance sheet, potentially reducing reliance on expensive third-party reinsurance over time. The reduction in leverage suggests management is prioritizing long-term solvency over aggressive, debt-fueled expansion.
As indicated by the company's volatile earnings history, the P/E ratio is a frequently misapplied metric for ACIC, as it fails to account for the significant non-recurring reserve adjustments and legacy runoff costs that distort the true underlying profitability of the core commercial insurance operations.
Investors should prioritize the combined ratio and book value growth over P/E, as the latter is heavily influenced by accounting noise from discontinued operations. Relying on P/E may lead to an inaccurate assessment of the company's actual earnings power in its current, streamlined form.
Includes 30+ ratios · 20 years · Updated daily
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Quick answers to the most common questions about buying ACIC stock.
American Coastal Insurance Corporation's current P/E ratio is 5.3x. The historical average is 16.4x. This places it at the 17th percentile of its historical range.
American Coastal Insurance Corporation's current EV/EBITDA is 3.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.0x.
American Coastal Insurance Corporation's return on equity (ROE) is 38.6%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 34.2%.
Based on historical data, American Coastal Insurance Corporation is trading at a P/E of 5.3x. This is at the 17th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
American Coastal Insurance Corporation has 86.3% gross margin and 42.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
American Coastal Insurance Corporation's Debt/EBITDA ratio is 0.9x, indicating low leverage. A ratio below 2x is generally considered financially healthy.