AC
ACIC.O
—
NASDAQ
Insurance
American Coastal Insurance Corp
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
532,8M USD
P/E
—
EV / Rev
—
Div yield
7,30 %
Op margin
41,8 %
ROE
33,6 %
Net margin
31,8 %
Debt / equity
0,47
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$9,99
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
American Coastal Insurance Corp operates as an insurance provider within the Financials sector, generating revenue through underwriting activities and investment income.
Business. American Coastal Insurance Corp (ACIC.O) is an insurance company listed on the NASDAQ exchange. The firm operates within the Financials sector, specifically focusing on insurance activities. Headquarters location and specific operating segment details are not provided in the available data. Consequently, the company is described at the industry level as an insurer without further geographic or segment breakdown.
Classification85 %
SectorFinancials
Industry groupInsurance
Generated · model-assisted
Sell-side consensus
BUY2 analysts
1 buy1 hold0 sell
Avg 12m price target14,00
Analyst recommendations
2 analysts · consensus BuyBuy1
Hold1
Sell0
12-month price target
14,00
Consensus of sell-side coverage.
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Buy
2 analysts · indicative
Ownership→
American Century Investment Management, Inc.
largest disclosed fund holder
Profitability→
33,6 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to ACIC.O. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
American Coastal Insurance Corp (ACIC.O) is an insurance company listed on the NASDAQ exchange. The firm operates within the Financials sector, specifically focusing on insurance activities. Headquarters location and specific operating segment details are not provided in the available data. Consequently, the company is described at the industry level as an insurer without further geographic or segment breakdown.
Classification85 %
SectorFinancials
Industry groupInsurance
AI synthesis
GENERATEDAmerican Coastal Insurance Corp maintains a conservative capital structure with total equity of $317.6 million against total liabilities of $755.2 million. The company holds $198.8 million in cash and equivalents, providing a liquidity buffer that exceeds its long-term debt of $150.0 million. The debt-to-equity ratio stands at 0.47, indicating moderate leverage relative to equity capital. Operating cash flow of $71.0 million supports the balance sheet, while capital expenditures remain negligible at $155,000, reflecting the asset-light nature of the insurance business model.
Profitability metrics demonstrate strong returns on capital, with a return on equity of 33.6% and a return on assets of 10.0%. The company generated net income of $106.8 million on revenue of $335.4 million, resulting in a net margin of approximately 31.8%. Operating income of $140.3 million further underscores efficient cost management within the underwriting cycle. These returns are supported by a low valuation multiple, with a price-to-earnings ratio of 4.69 and an EV/EBITDA of 3.23.
Revenue concentration and geographic exposure details are not provided in the available data, preventing a granular analysis of segment-specific performance or regional risk distribution. The company’s total assets of $1.07 billion are primarily composed of investment portfolios and insurance reserves, typical for the industry. Without segment breakdowns, the analysis relies on consolidated financial performance to assess operational health.
Growth trajectory analysis is limited by the absence of historical period data in the input, preventing a year-over-year or quarter-over-quarter trend assessment. The current revenue base of $335.4 million serves as the baseline for future projections, but historical context is required to validate momentum. The share count remains stable at 48.8 million basic and diluted shares, indicating no recent equity issuances or buybacks.
Risk assessment indicates low liquidity risk and low dilution risk, with no immediate filing-based flags detected. The company’s strong cash position and manageable debt levels mitigate near-term solvency concerns. The absence of significant dilution sources suggests that existing shareholders are protected from near-term equity erosion.
Recent events include analyst coverage updates with a mean price target of $14.00, implying a potential upside from the current market price of $10.28. The mean recommendation of 2.50 reflects a neutral-to-positive sentiment among the two covering analysts, with one buy and one hold rating. No significant news events or transcript observations were recorded beyond the reconciler enqueue activity.
Key takeaways
- Strong profitability with 33.6% ROE and 10.0% ROA driven by efficient underwriting and investment income.
- Conservative balance sheet with $198.8M cash exceeding $150.0M long-term debt and a 0.47 debt-to-equity ratio.
- Attractive valuation multiples with a P/E of 4.69 and EV/EBITDA of 3.23 relative to earnings power.
- Low risk profile with no immediate liquidity or dilution flags detected in recent filings.
- Analyst consensus suggests upside potential with a mean price target of $14.00 vs. current price of $10.28.
- Stable capital structure with no recent changes in share count, indicating no dilution pressure.
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Valuation
Market price
$10,93
Market cap
$501.3M
Enterprise valueⓘ
$452.5M
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
6.4x
P / Bⓘ
1.6x
P / Tangible bookⓘ
1.6x
Tangible book
$317.6M
Net cashⓘ
$48.8M
Current ratioⓘ
—
Debt / equityⓘ
0.5
ROAⓘ
10.0%
ROEⓘ
33.6%
Cash conversionⓘ
66.0%
CapEx / revenueⓘ
0.1%
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 33 %
EPS
Consensus EPS
1,48
Predicted surprise
-0,02
Beat probability
33 %
Analysts
2
Other metrics
Revenue
—
no estimate
Segment revenue
—
no estimate
Margin
—
no estimate
Segment margin
—
no estimate
as of 2026-07-26 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,96 |
| Revenue | —no estimate | —no estimate | 286,3M USD |
| Operating income | —no estimate | —no estimate | —no estimate |
Full-year consensus mean (period as reported by source) · consensus in USD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution2 analysts
Strong buy0
Buy1
Hold1
Sell0
Strong sell0
12-month price target$14,00 · Median $14,00
Low $14,00High $14,00
EPS surprise
+116,7 %
reported vs consensus · beat
Revenue surprise
+7,2 %
reported vs consensus · beat
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$14,00
Mean$14,00
Median$14,00
High$14,00
Spot$10,93
+28.1 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskLow
Filing-based flags
- No immediate filing-based liquidity or dilution flags were detected.
Benchmarks vs cohort
Op Margin41,8 %Best in class
Net Margin31,9 %Best in class
ROE33,6 %Best in class
Capex / Rev0,1 %Above median
D/E0,47Below median
Cash Conv0,66Below median
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
Derivative transactions
Net acquired 153 641 sh44 exercises · 18 grants6 insiders
- Secretary · Restricted Stock Units → Common StockAcquired 9 915grant · 2026-05-12
- Chief Financial Officer · Nonqualified Stock Options → Common StockAcquired 9 619 @ $10,59grant · 2026-05-12
- Chief Compliance/Risk Officer · Restricted Stock Units → Common StockAcquired 7 200grant · 2026-05-12
- Chief Compliance/Risk Officer · Performance Stock Units → Common StockAcquired 14 400grant · 2026-05-12
- Chief Compliance/Risk Officer · Nonqualified Stock Options → Common StockAcquired 9 619 @ $10,59grant · 2026-05-12
- Chief Underwriting Officer · Restricted Stock Units → Common StockAcquired 8 263grant · 2026-05-12
- Chief Underwriting Officer · Performance Stock Units → Common StockAcquired 16 525grant · 2026-05-12
- Chief Underwriting Officer · Nonqualified Stock Options → Common StockAcquired 11 038 @ $10,59grant · 2026-05-12
- Chief Financial Officer · Performance Stock Units → Common StockAcquired 14 400grant · 2026-05-12
- Chief Financial Officer · Restricted Stock Units → Common StockAcquired 7 200grant · 2026-05-12
- Secretary · Nonqualified Stock Options → Common StockAcquired 13 246 @ $10,59grant · 2026-05-12
- Secretary · Performance Stock Units → Common StockAcquired 19 830grant · 2026-05-12
- Chief Operating Officer · Nonqualified Stock Options → Common StockAcquired 14 507 @ $10,59grant · 2026-05-12
- Chief Operating Officer · Performance Stock Units → Common StockAcquired 21 719grant · 2026-05-12
- Chief Operating Officer · Restricted Stock Units → Common StockAcquired 10 859grant · 2026-05-12
- President & CEO · Nonqualified Stock Options → Common StockAcquired 34 298 @ $10,59grant · 2026-05-12
- President & CEO · Performance Stock Units → Common StockAcquired 51 346grant · 2026-05-12
- President & CEO · Restricted Stock Units → Common StockAcquired 25 673grant · 2026-05-12
- President & CEO · Restricted Stock Units → Common StockDisposed 7 524exercise · 2026-05-07
- Chief Financial Officer · Dividend Equivalent Units → Common StockDisposed 137exercise · 2026-05-07
- Chief Operating Officer · Restricted Stock Units → Common StockDisposed 3 010exercise · 2026-05-07
- Chief Operating Officer · Performance Stock Units → Common StockDisposed 6 019exercise · 2026-05-07
- Chief Operating Officer · Dividend Equivalent Units → Common StockDisposed 200exercise · 2026-05-07
- Chief Operating Officer · Dividend Equivalent Units → Common StockDisposed 399exercise · 2026-05-07
- President & CEO · Dividend Equivalent Units → Common StockDisposed 998exercise · 2026-05-07
Actions
Ask Handelsavisen
— missing data
Data sources
- Reference data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Source documents
- American Coastal Insurance Corporation Market data — financials · 2026-07-26
- reconciler_enqueue (reconciler) on ACIC.O · 2026-07-26
- American Coastal Insurance Corp Market data — analyst estimates · 2026-07-26
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$8M
- Investment Managers · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$8M
- Investment Managers · as of 2024-12-310,00 %$5M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$7M
- Investment Managers · as of 2024-06-300,00 %$18M
- Brokerage Firms · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2025-12-310,00 %$17M
- Investment Managers · as of 2026-03-310,00 %$6M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Funds · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2022-09-300,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Leadership
- R. Daniel PeedChairman of the Board, Chief Executive Officer
Insider activity
Mixed / flat0 buys · 0 sellsnet $015 insiders · last 365d
- Chief Underwriting Officer · Common StockOther 478 @ $10,13$5K · 2026-07-15
- Director · Common StockOther 5 000 · 2026-05-26
- Director · Common StockOther 5 000 · 2026-05-26
- Director · Common StockOther 5 000 · 2026-05-26
- Director · Common StockOther 5 000 · 2026-05-26
- Director · Common StockOther 5 000 · 2026-05-26
- Director, 10% owner · Common StockOther 5 000 · 2026-05-26
- Director · Common StockOther 5 000 · 2026-05-26
- Director · Common StockOther 5 000 · 2026-05-26
- Director · Common StockOther 5 000 · 2026-05-26
- Secretary · Common StockOther 11 234 · 2026-05-07
- Secretary · Common StockOther 2 737 @ $10,85$30K · 2026-05-07
- Chief Compliance/Risk Officer · Common StockOther 8 826 · 2026-05-07
- Chief Compliance/Risk Officer · Common StockOther 3 042 @ $10,85$33K · 2026-05-07
- President & CEO · Common StockOther 32 093 · 2026-05-07
- President & CEO · Common StockOther 12 838 @ $10,85$139K · 2026-05-07
- Chief Operating Officer · Common StockOther 12 838 · 2026-05-07
- Chief Operating Officer · Common StockOther 4 751 @ $10,85$52K · 2026-05-07
- Chief Financial Officer · Common StockOther 8 826 · 2026-05-07
- Chief Financial Officer · Common StockOther 3 532 @ $10,85$38K · 2026-05-07
- Secretary · Common StockOther 5 935 @ $11,65$69K · 2026-05-04
- President & CEO · Common StockOther 56 464 · 2026-05-04
- President & CEO · Common StockOther 22 589 @ $11,65$263K · 2026-05-04
- Chief Operating Officer · Common StockOther 31 057 · 2026-05-04
- Chief Operating Officer · Common StockOther 11 495 @ $11,65$134K · 2026-05-04
Short positioning
1.1Mshares short-0.3% vs prior
4.95days to cover
58.4%short of daily vol
77fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
ACIC.OCanonical
NASDAQ · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskLow
No immediate filing-based liquidity or dilution flags were detected.
Evidence & claims
From filings & derived data- Long-term debt (annual): USD 150MUnknown
- EPS (diluted) (annual): USD-PER-SHARES 2Unknown
- EPS (basic) (annual): USD-PER-SHARES 2Unknown
- Shares outstanding (annual): 48.76MUnknown
- Cash & equivalents (annual): USD 198.76MUnknown
- Total assets (annual): USD 1.07BUnknown
- Shareholders' equity (annual): USD 317.56MUnknown
- Total liabilities (annual): USD 755.17MUnknown
- Net income (annual): USD 106.84MUnknown
- Operating cash flow (annual): USD 71.03MUnknown
- Pre-tax income (annual): USD 142.73MUnknown
- Operating income (annual): USD 140.28MUnknown
- Capex (annual): USD 155KUnknown
- Revenue (annual): USD 335.44MUnknown
- Interest expense (annual): USD 10.81MUnknown
- Shares outstanding (annual): 48.2MUnknown
- Total liabilities (annual): USD 980.45MUnknown
- Cash & equivalents (annual): USD 137.04MUnknown
- Operating cash flow (annual): USD 243.51MUnknown
- Capex (annual): USD 22KUnknown
- Shareholders' equity (annual): USD 235.66MUnknown
- Revenue (annual): USD 296.66MUnknown
- Pre-tax income (annual): USD 101.66MUnknown
- Interest expense (annual): USD 12MUnknown
Showing 24 of 27 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-07-15INSIDERCrawford Troy J transacted 478 sh — Chief Underwriting Officer ~$5k
2026-05-26 00:00 UTCINSIDER81 insider transactions — 2026-05 · net sell $758k 56 derivative
2026-05-26 00:00 UTCINSIDER81 insider transactions — 2026-05 · net sell $758k 56 derivative
2026-05-26INSIDERPOITEVINT ALEC II transacted 5.0k sh — Director
2026-05-26INSIDERBrown Deirdre A transacted 5.0k sh — Director
2026-05-26INSIDERPeed Daniel transacted 5.0k sh — Director, 10% owner
2026-05-26INSIDERWhittemore Kent G transacted 5.0k sh — Director
2026-05-26INSIDERMaroney Patrick transacted 5.0k sh — Director
2026-05-26INSIDERHOOD III WILLIAM H. transacted 5.0k sh — Director
2026-05-26INSIDERHogan Michael transacted 5.0k sh — Director
2026-05-26INSIDERDAVIS KERN MICHAEL transacted 5.0k sh — Director
2026-05-26INSIDERBranch Gregory C transacted 5.0k sh — Director
2026-05-12INSIDERAdler Brooke acquired 19.8k sh Performance Stock Units — Secretary
2026-05-12INSIDERAdler Brooke acquired 9.9k sh Restricted Stock Units — Secretary
2026-05-12INSIDERMARTZ BRAD acquired 25.7k sh Restricted Stock Units — President & CEO
2026-05-12INSIDERMARTZ BRAD acquired 51.3k sh Performance Stock Units — President & CEO
2026-05-12INSIDERMARTZ BRAD acquired 34.3k sh Nonqualified Stock Options — President & CEO
2026-05-12INSIDERGriffith Christopher acquired 10.9k sh Restricted Stock Units — Chief Operating Officer
2026-05-12INSIDERGriffith Christopher acquired 21.7k sh Performance Stock Units — Chief Operating Officer
2026-05-12INSIDERGriffith Christopher acquired 14.5k sh Nonqualified Stock Options — Chief Operating Officer
2026-05-12INSIDERAdler Brooke acquired 13.2k sh Nonqualified Stock Options — Secretary
2026-05-12INSIDERCastle Svetlana acquired 7.2k sh Restricted Stock Units — Chief Financial Officer
2026-05-12INSIDERCastle Svetlana acquired 14.4k sh Performance Stock Units — Chief Financial Officer
2026-05-12INSIDERCastle Svetlana acquired 9.6k sh Nonqualified Stock Options — Chief Financial Officer
2026-05-12INSIDERGray James Andy acquired 7.2k sh Restricted Stock Units — Chief Compliance/Risk Officer
2026-05-12INSIDERGray James Andy acquired 14.4k sh Performance Stock Units — Chief Compliance/Risk Officer
2026-05-12INSIDERGray James Andy acquired 9.6k sh Nonqualified Stock Options — Chief Compliance/Risk Officer
2026-05-12INSIDERCrawford Troy J acquired 8.3k sh Restricted Stock Units — Chief Underwriting Officer
2026-05-12INSIDERCrawford Troy J acquired 16.5k sh Performance Stock Units — Chief Underwriting Officer
2026-05-12INSIDERCrawford Troy J acquired 11.0k sh Nonqualified Stock Options — Chief Underwriting Officer
2026-05-07INSIDERCastle Svetlana transacted 3.5k sh — Chief Financial Officer ~$38k
2026-05-07INSIDERCastle Svetlana transacted 8.8k sh — Chief Financial Officer
2026-05-07INSIDERAdler Brooke transacted 11.2k sh — Secretary
2026-05-07INSIDERAdler Brooke transacted 2.7k sh — Secretary ~$30k
2026-05-07INSIDERGray James Andy transacted 8.8k sh — Chief Compliance/Risk Officer
2026-05-07INSIDERGray James Andy transacted 3.0k sh — Chief Compliance/Risk Officer ~$33k
Showing the 40 most recent of 57 entries.
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Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Reference data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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