American Coastal Insurance Corporation
General ticker "ACIC" information:
- Sector: Financials
- Industry: Insurance - Property & Casualty
- Capitalization: $555.1M (TTM average)
American Coastal Insurance Corporation does not follow the US Stock Market performance with the rate: -39.0%.
Estimated limits based on current volatility of 1.1%: low 9.13$, high 9.34$
Factors to consider:
- Company pays dividends (irregularly): last record date 2026-01-02, amount 0.75$ (Y8.04%)
- Total employees count: 68 (+4.6%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Catastrophic events, Climate change and natural disasters, Loss of agent relationships, IT system failures, Cybersecurity threats
- Current price 12.2% below estimated low
- Earnings for 6 months up through Q2 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [10.63$, 14.54$]
- 2026-12-31 to 2027-12-31 estimated range: [11.16$, 15.31$]
Financial Metrics affecting the ACIC estimates:
- Positive: with PPE of 6.1 at the end of fiscal year the price was neutral
- Positive: 11.37 < Operating cash flow per share per price, % of 11.59
- Positive: Operating profit margin, % of 42.55 > 33.79
- Positive: 7.79 < Industry operating profit margin (median), % of 13.64
- Positive: 7.19 < Return on assets ratio (scaled to [-100,100]) of 9.06
- Positive: Industry earnings per price (median), % of 8.17 > 6.58
- Positive: Industry operating cash flow per share per price (median), % of 19.74 > 16.44
- Positive: Industry inventory ratio change (median), % of -19.35 <= -0.92
- Positive: Interest expense per share per price, % of 1.77 <= 2.54
- Positive: Inventory ratio change, % of -42.67 <= -3.92
- Positive: -0.14 < Investing cash flow per share per price, % of 0.10
Short-term ACIC quotes
Long-term ACIC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $263.68MM | $296.66MM | $335.44MM |
| Operating Expenses | $167.60MM | $185.06MM | $192.71MM |
| Operating Income | $96.08MM | $111.59MM | $142.73MM |
| Non-Operating Income | $0.00MM | $-9.93MM | $0.00MM |
| Interest Expense | $10.88MM | $12.00MM | $10.81MM |
| R&D Expense | $0.00MM | $357.70MM | $0.00MM |
| Income(Loss) | $96.08MM | $101.66MM | $142.73MM |
| Taxes | $10.88MM | $25.34MM | $35.94MM |
| Net Income(Loss)* | $309.91MM | $75.72MM | $106.84MM |
| Stockholders Equity | $168.76MM | $235.66MM | $317.56MM |
| Inventory | $722.84MM | $0.00MM | $0.00MM |
| Assets | $1,060.38MM | $1,216.11MM | $1,072.73MM |
| Operating Cash Flow | $-136.00MM | $243.51MM | $71.03MM |
| Capital expenditure | $0.20MM | $0.02MM | $0.15MM |
| Investing Cash Flow | $-2.54MM | $-179.21MM | $0.62MM |
| Financing Cash Flow | $26.77MM | $-13.84MM | $-1.08MM |
| Earnings Per Share** | $7.11 | $1.58 | $2.20 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.