# American Coastal Insurance Corporation (ACIC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Diversified Financial Services. Price $9.54, market value $451 million.

## Valuation
- **P/E (trailing): 4.7×** (5-yr avg 4.9×, 3-yr avg 4.9×). American Coastal Insurance Corporation trades at 4.7× trailing earnings, close to its own five-year average of 4.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.8×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.22**. A PEG of 0.22 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.4×**. Each dollar of revenue is priced at 1.4×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 3.0×**. Enterprise value is 3.0× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: -6.9%** (5-yr avg -118.2%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 21.2%**. The inverse of the P/E: 21.2% of the price is earned each year.

## Profitability
- **Operating margin: 40.2%**. 40.2% of revenue is left after running the business, an exceptional level.
- **Net margin: 31.8%**. 31.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 33.6%**. 33.6% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 39.1%**. Return on all capital, debt included, is 39.1%: comfortably above what that capital costs.
- **Return on assets: 9.3%**. Each dollar of assets produces 9.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 13.1%** (3-yr 14.8%/yr, 5-yr -16.9%/yr). Revenue grew 13.1% over the last year, against -16.9% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 39.6%**. Earnings per share rose 39.6%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $199 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. American Coastal Insurance Corporation does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): -13.0%** (YTD -19.7%, 3-mo -7.2%). The shares are down 13.0% over twelve months including dividends.
- **From 52-week high: -27.0%** (4.8% above the low). Trading 27% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): -0.06** (volatility 31%). Beta of -0.06 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ACIC · Page: https://foliofundamentals.com/stocks/acic

Not investment advice.