ACIC
AMERICAN COASTAL INSURANCE Corp
Next earnings Aug 4, 2026 · consensus $0.42 EPS, $73.8M rev
Last earnings +1.9% on 2026-05-05
$11.15
▲ +3.62%$11.15▲ +12.68%
over 1Y
L $9.53EODHDH $12.26
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+3.6%
1W+3.9%
1M+4.0%
3M+0.2%
YTD-2.0%
1Y+12.7%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 8 analysts
Buy
Revenue grew 13.1% YoY.
Revenue (FY2025) $335M · FY2025
The read
Quality fundamentals and an attractive price line up (~633% below fair value) — the rarer case where both the business and the entry look good.
AMERICAN COASTAL INSURANCE Corp shows $335M in FY2025 revenue (+13.1% YoY), a 31.8% net margin, and 33.6% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $229M | $222M | $264M | $297M | $335M |
| Gross profit | — | — | — | — | — |
| Operating income | -$10.5M | -$8.66M | $93.9M | $99.6M | $140M |
| Net income | -$57.9M | -$470M | $310M | $75.7M | $107M |
| Diluted EPS | -$1.35 | -$10.91 | $6.98 | $1.54 | $2.15 |
| Net margin | -25.3% | -212.0% | 117.2% | 25.5% | 31.8% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF7.7
PEG (trailing)0.13
Earnings yield19.7%
FCF yield13.1%
Quality & risk
ROIC (est.)23.7%
Free cash flow$70.9M
Total debt$150M
Net cash$48.8M
Piotroski F-Score4/7
Capital returns
Buyback yield0.0%
Dividend yield (est.)0.0%
Shareholder yield0.0%
Shares Δ YoY+0.8%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-05-292026-05-29open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗4Period ending 2026-05-262026-05-28open ↗3Period ending 2026-05-262026-05-28open ↗8-KPeriod ending 2026-05-152026-05-15open ↗
Frequently asked
- Is AMERICAN COASTAL INSURANCE Corp (ACIC) a buy?
- ACIC currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Revenue grew 13.1% YoY.
- What is ACIC's fair value?
- A Modified-Graham model based on ACIC's SEC fundamentals estimates a fair value of about $81.70. It is an estimate from reported earnings, not a price target.
- Is ACIC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, ACIC currently appears undervalued relative to its SEC-grounded earnings power.
- What is AMERICAN COASTAL INSURANCE Corp's quality score?
- ACIC scores 88.17647058823529/100 (grade A) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001401521, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 7:09:47 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.