American Coastal Insurance Corporation: stock overview

ACICNASDAQFinancial services · Fire, Marine & Casualty Insurance

Price

$10.27

November 13, 2026Market cap $500M

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  • The full history: 17 fiscal years, from 2009
  • The estimated fair value, with its range and its certainty
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  • Excel with every year
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In short

American Coastal Insurance had revenue of $311M over the last 12 months and net income of $87M, a net margin of 28.0%. Revenue fell by 16.9% a year on average over the last 5 years. At $10.27 the shares trade at a P/E of 5.7, against a median of 5.9 over the last 3 fiscal years. It holds more cash than debt, by $145M. It pays a dividend yielding 7.30%.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$500M
48.66M shares
P/E
5.7
Today5.7
Median5.9
Revenue, 12 months
$311M
-16.9% a year over 5 years
Net margin
28.0%
2025: 31.9%, above 91% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+12.6% a year over 2 years

  • 202510-K
    Revenue$335M
  • 202410-K
    Revenue$297M
  • 202310-K
    Revenue$264M

Fiscal years in figures

ACIC's revenue, profit, cash flow and dividend with each year-end price, from 2009 to 2022, 14 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $615M
$500M
Enterprise value 
$355M
P/E 3-year median: 5.9
5.7
EV / EBIT 
3.0
EV / Revenue 
1.1
P/B 3-year median: 2.7
1.4
FCF yield 3-year median: 11.5%
13.8%
Earnings yield 3-year median: 17.0%
17.4%

Profitability

Operating margin 
37.7%
Net margin 3-year median: 31.8%
28.0%
ROIC 
18.1%
ROIC, 5-year average 
16.4%
ROE 
26.0%

Growth

Revenue, yearly change 
+13.1%
EPS, yearly change 
+39.6%
FCF, yearly change 
-70.9%
Revenue, average a year 
-16.9%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$295M
Total debt 
$153M
Of which operating leases 
$3.0M
Net cash 
$145M
Net debt / EBITDA 
-1.2x
Interest cover 
12.1x
Current ratio 
–

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
7.30%
Buybacks 
–
Total returned 
7.30%
Shares, yearly change 
+0.8%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 63).

Operating margin

41.8%

Above 98% of the 22 companies in its industry, and 96% of all.

Net margin

31.9%

Above 91% of the 109 companies in its industry, and 93% of all.

ROE

33.6%

Above 96% of the 108 companies in its industry, and 93% of all.

ROA

10.0%

Above 96% of the 110 companies in its industry, and 87% of all.

Revenue growth

13.1%

Above 70% of the 110 companies in its industry, and 70% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
AMERICAN COASTAL INSURANCE Corp
CIK
1401521
Exchange
NASDAQ
Industry (SIC)
6331 · Fire, Marine & Casualty Insurance
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
48.66M

Other companies: Financial services

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The full analysis

What do American Coastal Insurance's filings show?

These are American Coastal Insurance's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about ACIC

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What is ACIC's market cap?

American Coastal Insurance Corporation's market cap is $500M, at a price of $10.27 on November 13, 2026 and 48.66M shares.

What is ACIC's P/E?

ACIC's P/E is 5.7, on earnings per share of $1.77 over the last 12 months. The median over the last 3 fiscal years was 5.9.

How much revenue does ACIC have?

American Coastal Insurance had revenue of $311M over the last 12 months. Over the last 5 years it changed by -16.9% a year on average.

Does ACIC pay a dividend?

Yes. American Coastal Insurance paid $0.75 per share over the last 12 months, a yield of 7.30% at today's price. All the figures are in the Dividend section.

Where do the figures come from?

From American Coastal Insurance Corporation's SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.