ACIC
American Coastal Insurance Corporation
ACIC's fundamentals are mixed, but it looks expensive: trading at 5.8x earnings, below its usual 7.1x. Its downside scenario is about five times its upside.
ACIC Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
ACIC's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like ACIC.
ACIC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5x | $8.85 | -14% |
| Current | 5.8x | $10.34 | — |
| Fair | 7.1x | $12.55 | +21% |
| Expensive | 8.2x | $14.58 | +41% |
| Forward | 12x | $10.34 | — |
Historical ranges are pointers, not guarantees.
ACIC's PE is in its cheap range at 5.8x. Analysts expect earnings to fall, which would put today's price at 12x next year's earnings, in its expensive range.
ACIC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Strong decline | |
| Decline | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect ACIC's earnings and revenue to decline, with profitability weakening.
ACIC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.89 | -50% |
| Q3 2026 | $1.77 | +3.5% |
| Q2 2026 | $2.02 | +24% |
| Q1 2026 | $2.11 | +42% |
| Q4 2025 | $2.15 | +40% |
| Q3 2025 | $1.71 | +4.9% |
| Q2 2025 | $1.63 | +25% |
| Q1 2025 | $1.49 | +13% |
| Q4 2024 | $1.54 | -78% |
ACIC's earnings per share have fallen from their peak: $1.77 over the past year, against $6.98 in late 2023.
ACIC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $70.7M | -22% |
| Q2 2026 | $82.6M | -4.5% |
| Q1 2026 | $71.2M | -1.4% |
| Q4 2025 | $86.4M | +9% |
| Q3 2025 | $90.4M | +10% |
| Q2 2025 | $86.5M | +26% |
| Q1 2025 | $72.2M | -1.4% |
| Q1 2024 | $73.2M | -19% |
ACIC's revenue has slid since its 2020 peak: $71M last quarter, down 22% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -9.3 points |
| Q2 2026 | 34% | -7.4 points |
| Q1 2026 | 36% | +1.1 points |
| Q4 2025 | 43% | +32 points |
| Q3 2025 | 46% | +2.2 points |
| Q2 2025 | 42% | +6.8 points |
| Q1 2025 | 35% | -6.7 points |
| Q4 2024 | 11% | N/A |
ACIC's operating margin was 37% last quarter, down 9.3 points from the same quarter a year ago.
ACIC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.4M | +$100M |
| Q2 2026 | $58.3M | -54% |
| Q1 2026 | -$5.9M | -122% |
| Q4 2025 | -$47.8M | -3105% |
| Q3 2025 | -$35.6M | -$26.6M |
| Q2 2025 | $127.9M | +1.2% |
| Q1 2025 | $26.3M | -79% |
| Q4 2024 | $1.6M | -97% |
ACIC's free cash flow was $69M over the past year, down 43% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ACIC.
ACIC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.8% | -893K shares |
| 1 year | -3% | -1.5M shares |
| 3 years | +9.7% | +4.3M shares |
| 5 years | +13% | +5.4M shares |
| Available history | +13% | +5.6M shares |
ACIC has 48M diluted shares, down 3% from a year ago.
ACIC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -1.0x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.7x | Net Cash |
ACIC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like ACIC.
ACIC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.8 | Neutral |
| Stochastic | 57.6 | Neutral |
ACIC's weekly RSI is 50 (neutral) and its Stochastic is 58 (neutral).
ACIC PE vs Financial Services Sector
| Metric | ACIC | Sector median | Relative |
|---|---|---|---|
| PE | 5.8x | 13x | 55% below |
| PE % | 31 | 63 | 32 pts below |
ACIC is trading at 5.8x earnings, a 55% discount to the Financial Services sector's median of 13x.
ACIC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.3 | 0.9% above |
| 20 week MA | $10.1 | 2% above |
| 50 week MA | $10.8 | 4.6% below |
| 100 week MA | $11.2 | 7.3% below |
| 200 week MA | $9.81 | 5.4% above |
ACIC's trend is mixed: it's above three of its five weekly moving averages, and 5.4% above its 200-week average.
ACIC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.4 | $6.08 | -51% |
| 2021 | $6.08 | $4.33 | -29% |
| 2022 | $4.33 | $0.88 | -80% |
| 2023 | $0.88 | $9.46 | +975% |
| 2024 | $9.46 | $13.4 | +41% |
| 2025 | $13.4 | $12.5 | -6.3% |
| 2026 YTD | $12.5 | $10.3 | -18% |
ACIC's yearly returns have swung widely, from +975% in 2023 to −80% in 2022. It's down 18% so far in 2026.