Stocks · Financial Services · Insurance - Property & Casualty
American Coastal Insurance Corporation ACIC
$9.33 +0.86% Close, Oct 2, 2026 · NASDAQ · Market cap $452.2M
Weak trendInexpensive vs sector
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 4.6× trailing earnings, lower than 91% of the company's own readings over the past five years.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
- Operating margin widened to 40.3% from 34.1% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 37%
- EPS growth (TTM, YoY)Top 45%
- FCF growth (TTM, YoY)Bottom 6%
- Revenue growth, 3-year CAGRTop 49%
- Revenue growth accelerationBottom 19%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 6%
- Gross marginTop 37%
- Operating marginTop 15%
- Cash conversion (OCF / net income)Bottom 11%
- Accruals (lower is better)Bottom 4%
- Net debt / EBITDA (lower is better)Top 22%
- Interest coverTop 12%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 4%
- Free-cash-flow yieldBottom 10%
- EBITDA / enterprise valueTop 3%
- Sales / enterprise valueTop 13%
- P/E vs own 5-year history (lower is better)Top 10%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 13%
- 6-month returnBottom 7%
- 1-year return vs S&P 500Bottom 18%
- Distance from 52-week highBottom 17%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 24%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 14%
- Upside to consensus price targetTop 16%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 22%
- Maximum drawdown, 3 yearsBottom 31%
- Beta vs S&P 500 (lower is better)Top 34%
- Net debt / EBITDA (lower is better)Top 22%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.7% | 3.4% | ↓ |
| EPS growth (YoY) | 40.9% | 23.3% | ↓ |
| Gross margin | 48.6% | 70.1% | ↑ |
| Operating margin | 34.1% | 40.3% | ↑ |
| FCF margin | 46.0% | -9.4% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.4% | 10.7% | ↓ | Bottom 37% |
| EPS growth (TTM, YoY) | 23.3% | 40.9% | ↓ | Top 45% |
| Gross margin | 70.1% | 48.6% | ↑ | Top 37% |
| Operating margin | 40.3% | 34.1% | ↑ | Top 15% |
| Net margin | 30.3% | 25.3% | ↑ | — |
| Free-cash-flow margin | -9.4% | 46.0% | ↓ | — |
| Return on invested capital | 19.8% | — | Top 6% | |
| Revenue growth, 3-year CAGR | 15.0% | — | Top 49% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -0.31×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 10.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +5.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.43×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 13.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 8.09%
- Net buyback yield (TTM)
- 4.30%
- Shareholder yield
- 12.39%
- Share count change, 1 year
- -0.7%
- Share count change, 3-year CAGR
- +4.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +11.3%
- Average 2-day reaction, last 8
- +1.2%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $13.00
- Target vs current price
- +39.3%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 20%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | -21.4% | -0.7% | -11.0% | -15.1% | — |
| May 5, 2026 | -11.4% | +1.9% | -12.7% | -10.5% | -8.8% |
| Feb 19, 2026 | +21.4% | +1.1% | +2.4% | +2.4% | -3.5% |
| Nov 5, 2025 | +56.4% | +2.8% | -0.2% | +1.8% | -7.0% |
| Aug 6, 2025 | +42.1% | -0.8% | +4.2% | +8.8% | +16.1% |
| May 8, 2025 | +5.0% | +2.5% | -5.3% | -5.8% | -11.7% |
| Feb 27, 2025 | -20.0% | -0.8% | -0.1% | -7.2% | -14.2% |
| Nov 6, 2024 | +54.3% | +3.7% | +5.0% | +11.5% | -7.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $0.33 | $0.42 | -21.4% | $216.3M |
| May 5, 2026 | $0.39 | $0.44 | -11.4% | $149.4M |
| Feb 19, 2026 | $0.51 | $0.42 | +21.4% | $114.5M |
| Nov 5, 2025 | $0.61 | $0.39 | +56.4% | $90.3M |
| Aug 6, 2025 | $0.54 | $0.38 | +42.1% | $86.5M |
| May 8, 2025 | $0.42 | $0.40 | +5.0% | $72.2M |
| Feb 27, 2025 | $0.12 | $0.15 | -20.0% | $79.3M |
| Nov 6, 2024 | $0.54 | $0.35 | +54.3% | $82.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 4.6× | 7.1× | 9th | Top 4% |
| P/E (forward) | 9.7× | — | — | — |
| EV / EBITDA | 2.5× | — | — | Top 3% |
| EV / Sales | 1.17× | — | — | Top 13% |
| Free-cash-flow yield | -6.86% | — | — | Bottom 10% |
| Earnings yield | 21.54% | — | — | Top 4% |
P/E over the past five years
Range 1.4× – 8.1× since Dec 31, 2023. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -16.3%
- Earnings per share growth (TTM)
- +23.3%
- Change in P/E multiple
- -24.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -6.2%
- 200-day average slope (20 days)
- -2.5%
- Distance from 50-day average
- -3.5%
- Distance from 200-day average
- -13.8%
- RSI (14)
- 49.1
- Relative volume
- 0.74×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 33.5%
- Volatility vs own 5-year history
- 14th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.51
- Correlation with S&P 500
- 0.29
- Current drawdown from 1-year high
- -28.4%
- Maximum drawdown, 3 years
- -36.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 15, 2021 | Nov 25, 2022 | -96.2% | 430 days | 179 days (Aug 15, 2023) |
| Dec 4, 2024 | Sep 30, 2026 | -36.8% | 455 days | Not yet recovered |
| Feb 28, 2024 | Oct 9, 2024 | -32.8% | 155 days | 39 days (Dec 4, 2024) |
| Sep 28, 2020 | Nov 6, 2020 | -32.8% | 29 days | 76 days (Mar 1, 2021) |
| Sep 25, 2023 | Nov 13, 2023 | -23.7% | 35 days | 1 days (Nov 14, 2023) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $452.2M
- P/E (TTM)
- 4.6
- EPS, diluted (TTM)
- $2.01
- Revenue (TTM)
- $330.4M
- Dividend yield
- 8.04%
- 52-week range
- $9.01 – $13.06
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $228.7M | $220.8M | $263.7M | $296.7M | $335.4M |
| Gross profit | $46.4M | $43.7M | $141.6M | $156.3M | $289.4M |
| Operating income | -$10.4M | $1.7M | $96.1M | $111.6M | $142.7M |
| Net income | -$57.9M | -$469.9M | $309.9M | $75.7M | $106.8M |
| EPS (diluted) | -$1.35 | -$10.87 | $6.98 | $1.53 | $2.15 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $82.1M | $79.0M | $72.1M | $86.4M | $90.3M | $86.4M | $71.2M | $82.5M |
| Net income | $28.1M | $4.9M | $21.3M | $26.4M | $32.5M | $26.6M | $19.3M | $21.9M |
| EPS (diluted) | $0.57 | $0.10 | $0.43 | $0.53 | $0.65 | $0.53 | $0.39 | $0.44 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$295.4M | -$173.1M | -$136.0M | $243.5M | $71.0M |
| Capital expenditure | -$5.3M | -$3.0M | -$196,000 | -$22,000 | -$155,000 |
| Free cash flow | -$300.7M | -$176.2M | -$136.2M | $243.5M | $70.9M |
| Dividends paid | -$10.3M | -$2.6M | $0 | -$24.1M | $0 |
| Net share buybacks | $0 | $0 | $26.8M | $11.6M | $774,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $328.0M
- Total assets
- $1.24B
- Total liabilities
- $903.0M
- Total debt
- $152.5M
- Net debt
- -$66.4M
- Shareholders’ equity
- $340.8M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jan 2, 2026 | $0.75 | Jan 9, 2026 |
| Jan 2, 2025 | $0.50 | Jan 10, 2025 |
| Mar 8, 2022 | $0.06 | Mar 16, 2022 |
| Nov 19, 2021 | $0.06 | Nov 29, 2021 |
| Aug 9, 2021 | $0.06 | Aug 17, 2021 |
| May 14, 2021 | $0.06 | May 24, 2021 |
| Mar 1, 2021 | $0.06 | Mar 9, 2021 |
| Nov 20, 2020 | $0.06 | Nov 30, 2020 |
Short interest
- Shares sold short
- 1,843,015
- Days to cover
- 8.98
- Change vs previous report
- +11.9%
FINRA short interest, settlement date Sep 15, 2026.