# American Coastal Insurance Corporation (ACIC) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Insurance. Price $10.54, market value $498 million.

## Valuation
- **P/E (trailing): 6.0×** (5-yr avg 4.9×, 3-yr avg 4.9×). American Coastal Insurance Corporation trades at 6.0× trailing earnings, well above its own five-year average of 4.9×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.2×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.21**. A PEG of 0.21 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.5×**. Each dollar of revenue is priced at 1.5×.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 3.3×**. Enterprise value is 3.3× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: -6.2%** (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: 16.7%**. The inverse of the P/E: 16.7% 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): -2.1%** (YTD -8.2%, 3-mo -0.2%). The shares are down 2.1% over twelve months including dividends.
- **From 52-week high: -19.3%** (17.0% above the low). Trading 19% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): -0.04** (volatility 31%). Beta of -0.04 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.