AC
American Coastal Insurance Corp
ACIC—
American Coastal Insurance Corp AI Insights
Informational only. Not investment advice.Snapshot
- ROE TTM of 29% doubles industry median (14.5%), ROIC of 19.2% is 3x peer median (6.3%) - exceptional capital efficiency for insurer.[ROE / ROIC]
- FCF TTM of 120.3M equals 99.9% of operating cash flow - near-zero capex (107K) model converts all earnings to cash.[Free Cash Flow]
- 5Y revenue CAGR of -15.8% vs industry median +8.3% - shrinking topline despite strong profitability signals strategic pivot or market exit.[Total Revenue 5yr Growth]
Watch Triggers
- Net Margin TTM: Falls below 20% — Current 26% margin is 2.4x industry - compression signals underwriting discipline breakdown or loss emergence.
- Total Revenue TTM: Declines >10% YoY — Continued shrinkage without margin offset would collapse earnings despite efficiency.
- Debt to Equity: Rises above 0.6x — Current 0.47x is conservative - increase signals capital strain or catastrophe reserve needs.
Bull Case
Capital-light model with 29% ROE, 19% ROIC, and 99.9% FCF conversion at P/E 7.3x - half industry median P/E of 13.8x despite superior returns.
ROE TTMROIC TTMP/E RatioFree Cash Flow TTM
Tangible equity of 263.7M (80% of total equity) with goodwill only 18% - clean balance sheet vs typical insurance M&A overhang.
Tangible Book ValueGoodwillCommon Stockholders Equity
Bear Case
Revenue contracted 15.8% over 5Y while industry grew 8.3% - unclear if intentional de-risking or competitive displacement in coastal markets.
Total Revenue 5yr GrowthTotal Revenue TTM
P/B of 4.8x vs book value 3.28/share prices in sustained ROE outperformance - any catastrophe loss normalizes valuation sharply.
P/B RatioBook Value Per Share
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
55%
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Forward Thesis
Margin expansion will offset revenue decline, sustaining EPS growth through disciplined underwriting.
1-3ymed
- Net margin 26% vs 10.9% industry median
- Operating leverage with minimal G&A (8.3M)
- Near-zero capex requirement
EBIT margin 38.4% TTMFCF conversion 99.9%ROE 29% vs 14.5% median
Valuation Context
Caveats
Public Strategies Rankings
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ACIC Fundamentals
Finance and Insurance → Insurance Carriers and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$1.11B | — | ||
$989.77M | — | ||
6.4 | — | ||
$327.88M | +12.8% | — | |
$1.73 | -0.7% | — | |
0% | — | ||
26.0% | -3.3% | — | |
$120.27M | -58.6% | — | |
0.29 | -15.7% | — | |
Beta 5Y (Monthly) | unknown | — |
ACIC Dividend History
46 dividends
2026
$0.750001/02/26$0.7500
2025
$0.500001/02/25$0.5000
2022
$0.060003/08/22$0.0600
2021
$0.240011/19/21$0.0600
08/09/21$0.0600
05/14/21$0.0600
03/01/21$0.0600
2020
$0.240011/20/20$0.0600
08/10/20$0.0600
05/18/20$0.0600
03/03/20$0.0600
2019
$0.240011/18/19$0.0600
08/13/19$0.0600
05/13/19$0.0600
03/05/19$0.0600
2018
$0.240011/19/18$0.0600
08/10/18$0.0600
05/21/18$0.0600
03/06/18$0.0600
2017
$0.240011/21/17$0.0600
08/17/17$0.0600
05/19/17$0.0600
03/06/17$0.0600
2016
$0.230011/21/16$0.0600
08/19/16$0.0600
05/17/16$0.0600
03/02/16$0.0500
2015
$0.200011/18/15$0.0500
08/19/15$0.0500
05/20/15$0.0500
02/25/15$0.0500
2014
$0.160011/19/14$0.0400
08/13/14$0.0400
05/14/14$0.0400
03/12/14$0.0400
2013
$0.120011/26/13$0.0300
08/28/13$0.0300
05/29/13$0.0300
03/18/13$0.0300
2012
$0.080012/26/12$0.0300
03/22/12$0.0500
2011
$0.050011/28/11$0.0500
2010
$0.050003/29/10$0.0500
2009
$0.150011/25/09$0.0500
08/27/09$0.0500
05/27/09$0.0500
ACIC Stock Splits
No stock splits
ACIC SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/06/25 | 09/30/25 | 10-Q | |
08/07/25 | 06/30/25 | 10-Q | |
05/08/25 | 03/31/25 | 10-Q | |
03/10/25 | 12/31/24 | 10-K | |
11/12/24 | 09/30/24 | 10-Q | |
08/08/24 | 06/30/24 | 10-Q | |
05/10/24 | 03/31/24 | 10-Q | |
03/15/24 | 12/31/23 | 10-K | |
11/14/23 | 09/30/23 | 10-Q | |
08/21/23 | 06/30/23 | 10-Q | |
05/19/23 | 03/31/23 | 10-Q | |
04/17/23 | 12/31/22 | 10-K | |
11/09/22 | 09/30/22 | 10-Q | |
08/08/22 | 06/30/22 | 10-Q | |
05/10/22 | 03/31/22 | 10-Q | |
08/21/23 | 03/31/22 | 10-Q/A | |
03/15/22 | 12/31/21 | 10-K | |
11/15/21 | 09/30/21 | 10-Q | |
08/06/21 | 06/30/21 | 10-Q | |
05/07/21 | 03/31/21 | 10-Q | |
03/09/21 | 12/31/20 | 10-K | |
11/06/20 | 09/30/20 | 10-Q | |
08/10/20 | 06/30/20 | 10-Q | |
05/08/20 | 03/31/20 | 10-Q | |
03/12/20 | 12/31/19 | 10-K | |
11/05/19 | 09/30/19 | 10-Q | |
08/02/19 | 06/30/19 | 10-Q | |
05/10/19 | 03/31/19 | 10-Q | |
03/18/19 | 12/31/18 | 10-K | |
11/07/18 | 09/30/18 | 10-Q | |
08/03/18 | 06/30/18 | 10-Q | |
05/09/18 | 03/31/18 | 10-Q | |
03/28/18 | 12/31/17 | 10-K | |
11/08/17 | 09/30/17 | 10-Q | |
08/09/17 | 06/30/17 | 10-Q | |
05/10/17 | 03/31/17 | 10-Q | |
03/15/17 | 12/31/16 | 10-K | |
11/09/16 | 09/30/16 | 10-Q | |
08/09/16 | 06/30/16 | 10-Q | |
05/04/16 | 03/31/16 | 10-Q | |
03/02/16 | 12/31/15 | 10-K | |
11/05/15 | 09/30/15 | 10-Q | |
08/06/15 | 06/30/15 | 10-Q | |
05/07/15 | 03/31/15 | 10-Q | |
02/25/15 | 12/31/14 | 10-K | |
11/04/14 | 09/30/14 | 10-Q | |
08/04/14 | 06/30/14 | 10-Q | |
05/01/14 | 03/31/14 | 10-Q | |
02/24/14 | 12/31/13 | 10-K | |
11/07/13 | 09/30/13 | 10-Q | |
08/08/13 | 06/30/13 | 10-Q | |
05/08/13 | 03/31/13 | 10-Q | |
03/06/13 | 12/31/12 | 10-K | |
11/15/12 | 09/30/12 | 10-Q | |
08/08/12 | 06/30/12 | 10-Q | |
05/09/12 | 03/31/12 | 10-Q | |
03/14/12 | 12/31/11 | 10-K | |
11/09/11 | 09/30/11 | 10-Q | |
08/15/11 | 06/30/11 | 10-Q | |
05/11/11 | 03/31/11 | 10-Q | |
03/17/11 | 12/31/10 | 10-K | |
11/10/10 | 09/30/10 | 10-Q | |
08/09/10 | 06/30/10 | 10-Q | |
05/12/10 | 03/31/10 | 10-Q | |
03/25/10 | 12/31/09 | 10-K | |
11/12/09 | 09/30/09 | 10-Q | |
08/13/09 | 06/30/09 | 10-Q | |
05/13/09 | 03/31/09 | 10-Q | |
03/30/09 | 12/31/08 | 10-K | |
11/14/08 | 09/30/08 | 10-Q | |
08/14/08 | 06/30/08 | 10-Q | |
05/14/08 | 03/30/08 | Unknown | -- |
03/31/08 | 12/31/07 | 10-K | |
09/30/07 | 09/30/07 | 10QSB | |
06/30/07 | 06/30/07 | 10QSB |