Symbols / ACIC
ACIC Chart
About
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 dwellings and buildings, inventory, detached structures, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and cyber security 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 based in Saint Petersburg, Florida.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Insurance - Property & C | Market Cap | 551.05M |
| Enterprise Value | 470.33M | Income | 86.10M | Sales | 328.33M |
| Book/sh | 7.42 | Cash/sh | 4.36 | Dividend Yield | — |
| Payout | 0.00% | Employees | 65 | IPO | — |
| P/E | 6.53 | Forward P/E | 7.61 | PEG | — |
| P/S | 1.68 | P/B | 1.52 | P/C | — |
| EV/EBITDA | 3.75 | EV/Sales | 1.43 | Quick Ratio | 0.46 |
| Current Ratio | 1.07 | Debt/Eq | 46.73 | LT Debt/Eq | — |
| EPS (ttm) | 1.73 | EPS next Y | 1.49 | EPS Growth | — |
| Revenue Growth | -23.50% | Earnings | 2026-02-19 | ROA | 6.37% |
| ROE | 29.34% | ROIC | — | Gross Margin | 49.56% |
| Oper. Margin | -10.03% | Profit Margin | 25.96% | Shs Outstand | 48.77M |
| Shs Float | 22.19M | Short Float | 5.60% | Short Ratio | 3.20 |
| Short Interest | — | 52W High | 13.50 | 52W Low | 9.97 |
| Beta | -0.63 | Avg Volume | 170.47K | Volume | 83.37K |
| Target Price | $14.00 | Recom | None | Prev Close | $11.09 |
| Price | $11.30 | Change | 1.89% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$14.00
Mean price target
2. Current target
$11.30
Latest analyst target
3. DCF / Fair value
$33.49
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$11.30
Low
$14.00
High
$14.00
Mean
$14.00
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-01-12 | init | Oppenheimer | — → Perform | — |
| 2024-11-12 | main | Raymond James | Outperform → Outperform | $16 |
| 2024-01-17 | init | Raymond James | — → Outperform | $15 |
- Are Options Traders Betting on a Big Move in American Costal Insurance Corporation Stock? - MSN ue, 17 Feb 2026 10
- Countdown to American Coastal (ACIC) Q4 Earnings: Wall Street Forecasts for Key Metrics - Yahoo Finance Fri, 13 Feb 2026 14
- American Coastal sets Feb. 19 call on 2025 results - Stock Titan Mon, 09 Feb 2026 21
- $ACIC stock is down 11% today. Here's what we see in our data. - Quiver Quantitative Fri, 02 Jan 2026 08
- Are Options Traders Betting on a Big Move in American Costal Insurance Corporation Stock? - Zacks Investment Research Fri, 13 Feb 2026 13
- American Coastal Insurance (ACIC) Reports Next Week: Wall Street Expects Earnings Growth - Yahoo Finance hu, 12 Feb 2026 15
- Is ACIC stock heavily shorted - Stop Loss & Weekly High Conviction Trade Ideas - mfd.ru Sat, 14 Feb 2026 07
- American Coastal Insurance (NASDAQ:ACIC) Upgraded to "Buy" at Wall Street Zen - MarketBeat Sat, 07 Feb 2026 08
- Responsive Playbooks and the ACIC Inflection - Stock Traders Daily Sat, 07 Feb 2026 15
- Even though American Coastal Insurance (NASDAQ:ACIC) has lost US$69m market cap in last 7 days, shareholders are still up 926% over 3 years - simplywall.st Wed, 07 Jan 2026 08
- American Coastal Insurance unveils nationwide E&S expansion strategy - The Globe and Mail hu, 15 Jan 2026 08
- American Coastal Insurance: Poor Growth Rates And Elevated P/B To Halt Rally (Technical Analysis) - Seeking Alpha Fri, 10 Oct 2025 07
- Earnings call transcript: American Coastal Insurance Q2 2025 shows strong growth - Investing.com hu, 07 Aug 2025 07
- American Coastal Insurance Corporation's (NASDAQ:ACIC) Stock Has Been Sliding But Fundamentals Look Strong: Is The Market Wrong? - Yahoo Finance ue, 13 Jan 2026 08
- Understanding the Setup: (ACIC) and Scalable Risk - Stock Traders Daily ue, 27 Jan 2026 08
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 16779 | — | — | Stock Gift at price 0.00 per share. | ADLER BROOKE | Officer | — | 2025-12-31 00:00:00 | D |
| 1 | 18409 | 218331.0 | — | Sale at price 11.86 per share. | GRIFFITH CHRISTOPHER | Chief Operating Officer | — | 2025-11-10 00:00:00 | D |
| 2 | 1000 | 10452.0 | — | Purchase at price 10.44 - 10.47 per share. | DAVIS KERN MICHAEL | Director | — | 2025-06-26 00:00:00 | D |
| 3 | 177084 | 1946800.0 | — | Sale at price 10.98 - 11.01 per share. | GRIFFITH CHRISTOPHER | Chief Operating Officer | — | 2025-06-05 00:00:00 | D |
| 4 | 110305 | 361642.0 | — | Conversion of Exercise of derivative security at price 1.70 - 8.77 per share. | GRIFFITH CHRISTOPHER | Chief Operating Officer | — | 2025-06-05 00:00:00 | D |
| 5 | 10000 | 117800.0 | — | Sale at price 11.78 per share. | GRIFFITH CHRISTOPHER | Chief Operating Officer | — | 2025-06-03 00:00:00 | D |
| 6 | 50574 | nan | — | — | GRIFFITH CHRISTOPHER | Chief Operating Officer | — | 2025-05-27 00:00:00 | D |
| 7 | 38314 | nan | — | — | ADLER BROOKE | General Counsel | — | 2025-05-27 00:00:00 | D |
| 8 | 91957 | nan | — | — | MARTZ BRAD | Chief Executive Officer | — | 2025-05-27 00:00:00 | D |
| 9 | 5000 | — | — | Stock Award(Grant) at price 0.00 per share. | POITEVINT ALEC L II | Director | — | 2025-05-19 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | -22.60K | -495.18K | 0.00 |
| TaxRateForCalcs | 0.25 | 0.11 | 0.21 | 0.27 |
| TotalUnusualItems | 0.00 | -200.00K | -2.36M | |
| TotalUnusualItemsExcludingGoodwill | 0.00 | -200.00K | -2.36M | |
| NetIncomeFromContinuingOperationNetMinorityInterest | 76.32M | 85.20M | -24.44M | -1.77M |
| ReconciledDepreciation | 8.87M | 10.63M | 23.31M | 11.77M |
| EBIT | 113.66M | 106.95M | 11.16M | -1.11M |
| NetInterestIncome | -12.00M | -10.88M | -9.48M | -9.30M |
| InterestExpense | 12.00M | 10.88M | 9.48M | 9.30M |
| NormalizedIncome | 76.32M | 85.38M | -22.58M | -1.77M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 75.72M | 309.91M | -469.86M | -57.92M |
| TotalExpenses | 194.78M | 167.60M | 219.10M | 239.10M |
| RentExpenseSupplemental | 220.00K | 723.00K | 888.00K | |
| DilutedAverageShares | 49.36M | 44.39M | 43.05M | 42.95M |
| BasicAverageShares | 47.83M | 43.60M | 43.05M | 42.95M |
| DilutedEPS | 1.54 | 6.98 | -10.91 | -1.35 |
| BasicEPS | 1.59 | 7.11 | -10.91 | -1.35 |
| DilutedNIAvailtoComStockholders | 75.72M | 309.91M | -469.86M | -57.92M |
| NetIncomeCommonStockholders | 75.72M | 309.91M | -469.86M | -57.92M |
| NetIncome | 75.72M | 309.91M | -469.86M | -57.92M |
| MinorityInterests | 0.00 | 0.00 | 111.00K | 1.95M |
| NetIncomeIncludingNoncontrollingInterests | 75.72M | 309.91M | -469.97M | -59.87M |
| NetIncomeDiscontinuousOperations | -601.00K | 224.71M | -445.41M | -56.15M |
| NetIncomeContinuousOperations | 76.32M | 85.20M | -24.55M | -3.72M |
| TaxProvision | 25.34M | 10.88M | 26.23M | -6.70M |
| PretaxIncome | 101.66M | 96.08M | 1.68M | -10.42M |
| OtherIncomeExpense | -220.00K | -708.00K | 293.00K | 46.00K |
| SpecialIncomeCharges | 0.00 | -200.00K | -2.36M | |
| OtherSpecialCharges | 200.00K | 2.36M | ||
| NetNonOperatingInterestIncomeExpense | -12.00M | -10.88M | -9.48M | -9.30M |
| InterestExpenseNonOperating | 12.00M | 10.88M | 9.48M | 9.30M |
| OtherOperatingExpenses | -2.11M | -2.45M | -10.05M | 16.13M |
| DepreciationAndAmortizationInIncomeStatement | 7.83M | 5.08M | 8.21M | |
| Amortization | 2.64M | 3.25M | 3.25M | |
| DepreciationIncomeStatement | 5.18M | 1.83M | 4.96M | |
| SellingGeneralAndAdministration | 36.76M | 31.78M | 32.00M | 31.42M |
| GeneralAndAdministrativeExpense | 36.76M | 31.78M | 32.00M | 31.42M |
| OtherGandA | 21.62M | 18.16M | 18.42M | 31.42M |
| SalariesAndWages | 15.14M | 13.62M | 13.58M | |
| TotalRevenue | 296.44M | 263.68M | 220.78M | 228.69M |
| OperatingRevenue | 296.44M | 263.68M | 220.78M | 228.69M |
| LossAdjustmentExpense | 69.32M | 46.68M | 96.11M | 89.05M |
| NetPolicyholderBenefitsAndClaims | 69.32M | 46.68M | 96.11M | 89.05M |
| PolicyholderBenefitsGross | 227.46M | 123.88M | 763.07M | 115.95M |
| PolicyholderBenefitsCeded | 158.14M | 77.20M | 666.96M | 26.90M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TreasurySharesNumber | 212.08K | 212.08K | 212.08K | 212.08K |
| OrdinarySharesNumber | 48.20M | 46.78M | 43.28M | 43.37M |
| ShareIssued | 48.42M | 46.99M | 43.49M | 43.58M |
| NetDebt | 11.98M | 9.76M | 77.45M | |
| TotalDebt | 152.34M | 149.43M | 150.04M | 158.50M |
| TangibleBookValue | 170.28M | 100.74M | -254.28M | 220.99M |
| InvestedCapital | 384.68M | 317.45M | -33.68M | 468.97M |
| NetTangibleAssets | 170.28M | 100.74M | -254.28M | 220.99M |
| CapitalLeaseObligations | 3.32M | 739.00K | 1.69M | 1.93M |
| CommonStockEquity | 235.66M | 168.76M | -182.04M | 312.41M |
| TotalCapitalization | 384.68M | 317.45M | -33.68M | 468.97M |
| TotalEquityGrossMinorityInterest | 235.66M | 168.76M | -182.04M | 331.96M |
| MinorityInterest | 0.00 | 0.00 | 0.00 | 19.55M |
| StockholdersEquity | 235.66M | 168.76M | -182.04M | 312.41M |
| GainsLossesNotAffectingRetainedEarnings | -15.67M | -17.14M | -30.95M | -6.53M |
| OtherEquityAdjustments | -15.67M | -17.14M | -30.95M | -6.53M |
| TreasuryStock | 431.00K | 431.00K | 431.00K | 431.00K |
| RetainedEarnings | -184.77M | -237.39M | -546.30M | -74.90M |
| AdditionalPaidInCapital | 436.52M | 423.72M | 395.63M | 394.27M |
| CapitalStock | 5.00K | 5.00K | 4.00K | 4.00K |
| CommonStock | 5.00K | 5.00K | 4.00K | 4.00K |
| PreferredStock | 0.00 | 0.00 | 0.00 | 0.00 |
| TotalLiabilitiesNetMinorityInterest | 980.45M | 893.61M | 3.02B | 2.37B |
| LongTermDebtAndCapitalLeaseObligation | 152.34M | 149.43M | 150.04M | 158.50M |
| LongTermCapitalLeaseObligation | 3.32M | 739.00K | 1.69M | 1.93M |
| LongTermDebt | 149.02M | 148.69M | 148.35M | 156.56M |
| PayablesAndAccruedExpenses | 169.27M | 74.78M | 104.89M | 324.88M |
| Payables | 169.27M | 74.78M | 104.89M | 324.88M |
| AccountsPayable | 169.27M | 74.78M | 104.89M | 324.88M |
| TotalAssets | 1.22B | 1.06B | 2.84B | 2.70B |
| InvestmentsAndAdvances | 317.80M | 138.39M | 220.34M | 701.56M |
| GoodwillAndOtherIntangibleAssets | 65.38M | 68.02M | 72.25M | 91.42M |
| OtherIntangibleAssets | 5.91M | 8.55M | 12.77M | 18.38M |
| Goodwill | 59.48M | 59.48M | 59.48M | 73.05M |
| NetPPE | 5.74M | 3.66M | 5.29M | 31.56M |
| PrepaidAssets | 160.89M | 155.30M | 90.50M | 430.63M |
| Receivables | 309.98M | 386.74M | 835.85M | 1.08B |
| AccountsReceivable | 309.98M | 386.74M | 835.85M | 1.08B |
| CashCashEquivalentsAndShortTermInvestments | 285.04M | 277.32M | 275.58M | 875.63M |
| OtherShortTermInvestments | 148.01M | 138.39M | 204.68M | 663.60M |
| CashAndCashEquivalents | 137.04M | 138.93M | 70.90M | 212.02M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 243.49M | -136.20M | -176.16M | -300.66M |
| RepaymentOfDebt | 0.00 | 0.00 | -4.44M | -1.82M |
| IssuanceOfCapitalStock | 11.62M | 26.79M | 0.00 | 0.00 |
| CapitalExpenditure | -22.00K | -196.00K | -3.05M | -5.27M |
| InterestPaidSupplementalData | 12.81M | 10.88M | 9.55M | 9.53M |
| IncomeTaxPaidSupplementalData | 2.49M | |||
| EndCashPosition | 222.29M | 171.83M | 283.61M | 245.28M |
| BeginningCashPosition | 171.83M | 283.61M | 245.28M | 301.50M |
| ChangesInCash | 50.46M | -111.78M | 38.33M | -56.22M |
| FinancingCashFlow | -13.84M | 26.77M | -25.39M | -12.21M |
| CashFlowFromContinuingFinancingActivities | -13.84M | 26.77M | -25.39M | -12.21M |
| NetOtherFinancingCharges | -1.36M | -24.00K | -18.36M | -39.00K |
| CashDividendsPaid | -24.10M | 0.00 | -2.59M | -10.35M |
| CommonStockDividendPaid | -24.10M | 0.00 | -2.59M | -10.35M |
| NetCommonStockIssuance | 11.62M | 26.79M | 0.00 | 0.00 |
| CommonStockIssuance | 11.62M | 26.79M | 0.00 | 0.00 |
| NetIssuancePaymentsOfDebt | 0.00 | 0.00 | -4.44M | -1.82M |
| NetLongTermDebtIssuance | -4.44M | -1.82M | ||
| LongTermDebtPayments | 0.00 | 0.00 | -4.44M | -1.82M |
| InvestingCashFlow | -179.21M | -2.54M | 236.84M | 251.38M |
| CashFlowFromContinuingInvestingActivities | -179.21M | -2.54M | 236.84M | 251.38M |
| NetInvestmentPurchaseAndSale | -179.19M | 229.60M | 218.65M | 256.65M |
| SaleOfInvestment | 35.75M | 282.85M | 254.11M | 527.56M |
| PurchaseOfInvestment | -214.94M | -53.24M | -35.47M | -270.91M |
| NetBusinessPurchaseAndSale | 0.00 | -232.58M | 0.00 | 0.00 |
| PurchaseOfBusiness | 0.00 | -232.58M | 0.00 | 0.00 |
| NetPPEPurchaseAndSale | -22.00K | 433.00K | 18.19M | -5.27M |
| SaleOfPPE | 0.00 | 629.00K | 21.24M | 0.00 |
| PurchaseOfPPE | -22.00K | -196.00K | -3.05M | -5.27M |
| OperatingCashFlow | 243.51M | -136.00M | -173.11M | -295.39M |
| CashFlowFromContinuingOperatingActivities | 243.51M | -136.00M | -173.11M | -295.39M |
| ChangeInWorkingCapital | 160.62M | -238.22M | 210.00M | -218.84M |
| ChangeInOtherCurrentLiabilities | 3.91M | -97.28M | 84.00M | 29.19M |
| ChangeInOtherCurrentAssets | 21.53M | -55.59M | -3.22M | 20.90M |
| ChangeInPayablesAndAccruedExpense | 98.69M | -44.83M | -190.48M | -7.93M |
| ChangeInPayable | 98.69M | -44.83M | -190.48M | -7.93M |
| ChangeInAccountPayable | 98.69M | -44.83M | -190.48M | -7.93M |
| ChangeInPrepaidAssets | -5.82M | -21.38M | 217.60M | -46.04M |
| ChangeInReceivables | 76.48M | 757.19M | -641.08M | -167.72M |
| ChangesInAccountReceivables | 76.48M | 757.19M | -641.08M | -167.72M |
| OtherNonCashItems | 187.00K | 1.36M | 6.61M | -8.84M |
| StockBasedCompensation | 2.54M | 1.32M | 1.39M | 1.19M |
| UnrealizedGainLossOnInvestmentSecurities | -2.00M | -2.88M | 6.58M | -3.24M |
| AmortizationOfSecurities | 744.00K | 1.01M | 5.62M | 8.81M |
| DeferredTax | -2.36M | 14.44M | 24.14M | -22.82M |
| DeferredIncomeTax | -2.36M | 14.44M | 24.14M | -22.82M |
| DepreciationAndAmortization | 8.87M | 10.63M | 23.31M | 11.77M |
| OperatingGainsLosses | -817.00K | -233.56M | 19.19M | -3.57M |
| GainLossOnInvestmentSecurities | 190.00K | 5.47M | 32.08M | -3.57M |
| GainLossOnSaleOfPPE | -588.00K | -12.89M | 21.00K | |
| GainLossOnSaleOfBusiness | -1.01M | -238.44M | 0.00 | 0.00 |
| NetIncomeFromContinuingOperations | 75.72M | 309.91M | -469.97M | -59.87M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for ACIC
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|