Price Alert

American Coastal Insuranc... (ACIC)

NASDAQ: ACIC · Real-Time Price · USD

11.37

-0.29 (-2.49%)

At close: Sep 05, 2025, 3:59 PM

11.37

0.00%

After-hours: Sep 05, 2025, 04:24 PM EDT

American Coastal Insurance Statistics

Share Statistics

American Coastal Insurance has 48.77M shares outstanding. The number of shares has increased by 0.43% in one year.

Shares Outstanding	48.77M
Shares Change (YoY)	0.43%
Shares Change (QoQ)	0.22%
Owned by Institutions (%)	0.02%
Shares Floating	24.69M
Failed to Deliver (FTD) Shares	1,287
FTD / Avg. Volume	0.59%

Short Selling Information

The latest short interest is 619.64K, so 1.27% of the outstanding shares have been sold short.

Short Interest	619.64K
Short % of Shares Out	1.27%
Short % of Float	5.73%
Short Ratio (days to cover)	2.37

Valuation Ratios

The PE ratio is 8.5 and the forward PE ratio is 8.33. American Coastal Insurance's PEG ratio is -0.11.

PE Ratio	8.5
Forward PE	8.33
PS Ratio	2.17
Forward PS	0.9
PB Ratio	2.73
P/FCF Ratio	2.64
PEG Ratio	-0.11

Financial Ratio History

Enterprise Valuation

American Coastal Insurance has an Enterprise Value (EV) of 659.11M.

EV / Sales	2.22
EV / EBITDA	5.8
EV / EBIT	2.71
EV / FCF	2.71

Financial Position

The company has a current ratio of 12.07, with a Debt / Equity ratio of 0.65.

Current Ratio	12.07
Quick Ratio	12.07
Debt / Equity	0.65
Debt / EBITDA	1.34
Debt / FCF	0.63
Interest Coverage	9.3

Financial Efficiency

Return on Equity is 32.13% and Return on Invested Capital is 9%.

Return on Equity	32.13%
Return on Assets	6.23%
Return on Invested Capital	9%
Revenue Per Employee	$4.56M
Profits Per Employee	$1.16M
Employee Count	65
Asset Turnover	0.24
Inventory Turnover	n/a

Taxes

Income Tax	25.34M
Effective Tax Rate	24.93%

Stock Price Statistics

The stock price has increased by 4.7% in the last 52 weeks. The beta is -0.28, so American Coastal Insurance's price volatility has been lower than the market average.

Beta	-0.28
52-Week Price Change	4.7%
50-Day Moving Average	10.78
200-Day Moving Average	11.7
Relative Strength Index (RSI)	58.51
Average Volume (20 Days)	216,858

Income Statement

In the last 12 months, American Coastal Insurance had revenue of 296.66M and earned 75.72M in profits. Earnings per share was 1.58.

Revenue	296.66M
Gross Profit	156.35M
Operating Income	111.59M
Net Income	75.72M
EBITDA	113.66M
EBIT	113.66M
Earnings Per Share (EPS)	1.58

Full Income Statement

Balance Sheet

The company has 137.04M in cash and 152.34M in debt, giving a net cash position of -15.31M.

Cash & Cash Equivalents	137.04M
Total Debt	152.34M
Net Cash	-15.31M
Retained Earnings	-1.69B
Total Assets	920.47M
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 243.51M and capital expenditures -22K, giving a free cash flow of 243.49M.

Operating Cash Flow	243.51M
Capital Expenditures	-22K
Free Cash Flow	243.49M
FCF Per Share	5.09

Full Cash Flow Statement

Margins

Gross margin is 52.7%, with operating and profit margins of 37.62% and 25.52%.

Gross Margin	52.7%
Operating Margin	37.62%
Pretax Margin	34.27%
Profit Margin	25.52%
EBITDA Margin	38.31%
EBIT Margin	37.62%
FCF Margin	82.08%

Dividends & Yields

ACIC does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Payout Ratio	n/a
Earnings Yield	11.76%
FCF Yield	37.82%

Dividend Details

Analyst Forecast

The average price target for ACIC is $16, which is 40.7% higher than the current price. The consensus rating is "Buy".

Price Target	$16
Price Target Difference	40.7%
Analyst Consensus	Buy
Analyst Count	1

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	13.25
Graham Upside	16.53%

Scores

Altman Z-Score	1.11
Piotroski F-Score	2