American Coastal Insurance Corporation (ACIC) Stock

American Coastal Insurance Corporation (ACIC) is a Financials stock trading at $9.17 (as of 2026-08-21), with a market capitalization of $444.42M and a trailing P/E of 4.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

American Coastal Insurance Corporation is a property and casualty insurance holding company that underwrites and services residential personal and commercial property and casualty policies in the United States. It provides coverage for homeowners, renters, condominium unit owners, and certain commercial multi-peril risks, distributing products through independent agencies.

Understand American Coastal Insurance Corporation: how it makes money

American Coastal sources, writes, and services residential and commercial property and casualty insurance policies, making money from premiums after claims, reinsurance costs, and operating expenses.

American Coastal's profit model is premium collection minus claims, reinsurance, and operating costs, so underwriting quality matters more than sales growth alone.

Business quality (Strong): Strong reported business quality and profitability support the company, but the property insurance model can produce volatile earnings when claims or reinsurance costs move against it.

Valuation: At 4× earnings, ACIC trades 67% below the Insurance average (13×). Note: the low multiple may reflect one-time earnings items.

Bull case

  • Strong profitability supports resilience: The operating margin 36% indicates the company is currently converting its insurance operations into substantial operating profit, giving it a buffer if claims and expenses remain controlled.
  • A cheap valuation could re-rate: The P/E 4.2× vs Insurance industry 13× (67% below) leaves room for a higher valuation if underwriting remains sound.

Bear case

  • Revenue is not expanding: The reported quarterly revenue $100M (-1% YoY) shows little current top-line growth, which could limit earnings growth if premium volume does not improve.
Valuation — source: SEC EDGAR (first-party)
Price$9.17
Market Cap$444.42M
P/E Ratio4.2
EV / EBITDA1.4
Price / Book1.34
Price / Sales1.33
FCF Yield8.7%
DCF Value (model)$32.57
DCF Upside vs Price255.2%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$335.44M
Net Margin31.8%
Revenue Growth (YoY)-1.4%
EPS Growth (YoY)-9.1%
FCF Growth (YoY)-122.3%
Valuation vs Sector & Industry
Stock P/E4.2
Sector P/E (Financials)15.1
Industry P/E (Insurance)13.0
vs Sector-71.9%
vs Industry-67.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock Fund Advisors ($21.63M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryInsurance
CEOBennett Bradford Martz
Employees65
CountryUS
IPO Date2008-03-31

Related Companies (Business model: Property & Casualty Insurer; 8 closest by market cap; US-domiciled)

  • Hippo Holdings Inc. (HIPO)
  • Tiptree Inc. (TIPT)
  • Donegal Group Inc. (DGICA)
  • American Integrity Insurance Group, Inc. (AII)
  • AMERISAFE, Inc. (AMSF)
  • Global Indemnity Group, LLC (GBLI)
  • NI Holdings, Inc. (NODK)
  • Kingstone Companies, Inc. (KINS)
ACIC earnings history · ACIC institutional & insider holders · ACIC KPIs & operating metrics · ACIC financials · ACIC investor presentations & press releases · ACIC SEC filings · ACIC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.