_id

690da8e9ccc777a4e85d0811

Ticker

ACIC

Name

American Coastal Insurance Corp

Exchange

NASDAQ

Address

570 Carillon Parkway, Saint Petersburg, FL, United States, 33716

Country

USA

Sector

Financial Services

Industry

Insurance - Property & Casualty

Currency

USD

Website

https://www.amcoastal.com

Description

American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to dwellings and buildings, inventory, detached structures, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and cyber security policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.

Last Close

12.65

Volume

102591

Current Price

12.67

Change

0.1581027667984156

Last Updated

2025-11-28T11:47:42.684Z

Image

data:image/webp;base64,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

Ipo Date

2007-11-07T00:00:00.000Z

Market Cap

585183616

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

0.9836666666666667

Sentiment Sources

3

Rating

4

Target Price

14

Strong Buy

0

Buy

1

Hold

0

Sell

0

Strong Sell

0

Current Quarter

2025-09-30

Revenue

90288000

Cost Of Revenue

35982000

Gross Profit

54306000

Operating Expenses

11936000

Operating Income

42370000

Interest Expense

2719000

Pretax Income

42370000

Net Income

32483000

Eps

0.6507307253501056

Dividends Per Share

-

Shares Outstanding

48765302

Income Tax Expense

9887000

EBITDA

46718000

Operating Margin

46.927609427609426

Total Other Income Expense Net

-2054000

Cash

267872000

Short Term Investments

115097000

Receivables

180596000

Inventories

-

Total Current Assets

1692100000

Property Plant Equipment

2807000

Total Assets

1178854000

Payables

207994000

Short Term Debt

-

Long Term Debt

149270000

Total Liabilities

851633000

Equity

327221000

Depreciation

1629000

Change In Working Capital

-70613000

Cash From Operations

-35615000

Capital Expenditures

20300000

Cash From Investing

-12461000

Cash From Financing

100000

Net Change In Cash

-48076000

PE

6.9364

PB

1.932814906225456

ROE

9.926930117565805

ROA

2.7554726878816207

FCF

-55915000

Fcf Percent

-0.619296030480241

Piotroski FScore

2

Health Score

45

Deep Value Investing Score

5.5

Defensive Investing Score

5.5

Dividend Investing Score

1.5

Economic Moat Investing Score

6.3

Garp Investing Score

3.5

Growth Investing Score

3

Momentum Investing Score

4

Net Net Investing Score

5.5

Quality Investing Score

5

Value Investing Score

8

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

90288000

Quarters > 0 > income Statement > cost Of Revenue

35982000

Quarters > 0 > income Statement > gross Profit

54306000

Quarters > 0 > income Statement > operating Expenses

11936000

Quarters > 0 > income Statement > operating Income

42370000

Quarters > 0 > income Statement > interest Expense

2719000

Quarters > 0 > income Statement > pretax Income

42370000

Quarters > 0 > income Statement > net Income

32483000

Quarters > 0 > income Statement > eps

0.6507307253501056

Quarters > 0 > income Statement > dividends Per Share

-

Quarters > 0 > income Statement > shares Outstanding

49917729

Quarters > 0 > income Statement > income Tax Expense

9887000

Quarters > 0 > income Statement > EBITDA

46718000

Quarters > 0 > income Statement > operating Margin

46.927609427609426

Quarters > 0 > income Statement > total Other Income Expense Net

-2054000

Quarters > 0 > balance Sheet > cash

267872000

Quarters > 0 > balance Sheet > short Term Investments

115097000

Quarters > 0 > balance Sheet > receivables

180596000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

1692100000

Quarters > 0 > balance Sheet > property Plant Equipment

2807000

Quarters > 0 > balance Sheet > total Assets

1178854000

Quarters > 0 > balance Sheet > payables

207994000

Quarters > 0 > balance Sheet > short Term Debt

-

Quarters > 0 > balance Sheet > long Term Debt

149270000

Quarters > 0 > balance Sheet > total Liabilities

851633000

Quarters > 0 > balance Sheet > equity

327221000

Quarters > 0 > cash Flow > net Income

32483000

Quarters > 0 > cash Flow > depreciation

1629000

Quarters > 0 > cash Flow > change In Working Capital

-70613000

Quarters > 0 > cash Flow > cash From Operations

-35615000

Quarters > 0 > cash Flow > capital Expenditures

20300000

Quarters > 0 > cash Flow > cash From Investing

-12461000

Quarters > 0 > cash Flow > cash From Financing

100000

Quarters > 0 > cash Flow > net Change In Cash

-48076000

Quarters > 0 > ratios > PE

0.6507307253501056

Quarters > 0 > ratios > PB

1.932814906225456

Quarters > 0 > ratios > ROE

9.926930117565805

Quarters > 0 > ratios > ROA

2.7554726878816207

Quarters > 0 > ratios > FCF

-55915000

Quarters > 0 > ratios > Piotroski FScore

2

Quarters > 0 > ratios > fcf Percent

-0.619296030480241

Quarters > 0 > health Score

45

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

86359000

Quarters > 1 > income Statement > cost Of Revenue

40168000

Quarters > 1 > income Statement > gross Profit

46191000

Quarters > 1 > income Statement > operating Expenses

8639000

Quarters > 1 > income Statement > operating Income

37552000

Quarters > 1 > income Statement > interest Expense

2719000

Quarters > 1 > income Statement > pretax Income

37552000

Quarters > 1 > income Statement > net Income

26442000

Quarters > 1 > income Statement > eps

0.5327172439536331

Quarters > 1 > income Statement > dividends Per Share

-

Quarters > 1 > income Statement > shares Outstanding

49636088

Quarters > 1 > income Statement > income Tax Expense

9515000

Quarters > 1 > income Statement > EBITDA

41962000

Quarters > 1 > income Statement > operating Margin

43.48359754049954

Quarters > 1 > income Statement > total Other Income Expense Net

-1340000

Quarters > 1 > balance Sheet > cash

315485000

Quarters > 1 > balance Sheet > short Term Investments

121109000

Quarters > 1 > balance Sheet > receivables

223126000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

-

Quarters > 1 > balance Sheet > property Plant Equipment

3745000

Quarters > 1 > balance Sheet > total Assets

1346865000

Quarters > 1 > balance Sheet > payables

292211000

Quarters > 1 > balance Sheet > short Term Debt

203000

Quarters > 1 > balance Sheet > long Term Debt

149187000

Quarters > 1 > balance Sheet > total Liabilities

1054565000

Quarters > 1 > balance Sheet > equity

292300000

Quarters > 1 > cash Flow > net Income

28037000

Quarters > 1 > cash Flow > depreciation

1691000

Quarters > 1 > cash Flow > change In Working Capital

92312000

Quarters > 1 > cash Flow > cash From Operations

127949000

Quarters > 1 > cash Flow > capital Expenditures

0

Quarters > 1 > cash Flow > cash From Investing

24552000

Quarters > 1 > cash Flow > cash From Financing

465000

Quarters > 1 > cash Flow > net Change In Cash

174172000

Quarters > 1 > ratios > PE

0.5327172439536331

Quarters > 1 > ratios > PB

2.151519791173452

Quarters > 1 > ratios > ROE

9.046185425932261

Quarters > 1 > ratios > ROA

1.9632257130447373

Quarters > 1 > ratios > FCF

127949000

Quarters > 1 > ratios > Piotroski FScore

4

Quarters > 1 > ratios > fcf Percent

1.4815942750610822

Quarters > 1 > health Score

60

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

72085000

Quarters > 2 > income Statement > cost Of Revenue

35230000

Quarters > 2 > income Statement > gross Profit

36855000

Quarters > 2 > income Statement > operating Expenses

10661000

Quarters > 2 > income Statement > operating Income

26194000

Quarters > 2 > income Statement > interest Expense

2717000

Quarters > 2 > income Statement > pretax Income

26194000

Quarters > 2 > income Statement > net Income

21348000

Quarters > 2 > income Statement > eps

0.4307095766765236

Quarters > 2 > income Statement > dividends Per Share

-

Quarters > 2 > income Statement > shares Outstanding

49564721

Quarters > 2 > income Statement > income Tax Expense

6483000

Quarters > 2 > income Statement > EBITDA

30633000

Quarters > 2 > income Statement > operating Margin

36.33765693278768

Quarters > 2 > income Statement > total Other Income Expense Net

-36502000

Quarters > 2 > balance Sheet > cash

167155000

Quarters > 2 > balance Sheet > short Term Investments

165611000

Quarters > 2 > balance Sheet > receivables

264140000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

718044000

Quarters > 2 > balance Sheet > property Plant Equipment

4803000

Quarters > 2 > balance Sheet > total Assets

1159646000

Quarters > 2 > balance Sheet > payables

119644000

Quarters > 2 > balance Sheet > short Term Debt

-

Quarters > 2 > balance Sheet > long Term Debt

149104000

Quarters > 2 > balance Sheet > total Liabilities

898766000

Quarters > 2 > balance Sheet > equity

260880000

Quarters > 2 > cash Flow > net Income

21348000

Quarters > 2 > cash Flow > depreciation

1722000

Quarters > 2 > cash Flow > change In Working Capital

-1019000

Quarters > 2 > cash Flow > cash From Operations

26443000

Quarters > 2 > cash Flow > capital Expenditures

96000

Quarters > 2 > cash Flow > cash From Investing

5204000

Quarters > 2 > cash Flow > cash From Financing

309000

Quarters > 2 > cash Flow > net Change In Cash

31956000

Quarters > 2 > ratios > PE

0.4307095766765236

Quarters > 2 > ratios > PB

2.40717960391751

Quarters > 2 > ratios > ROE

8.183072677092916

Quarters > 2 > ratios > ROA

1.8409066215034589

Quarters > 2 > ratios > FCF

26347000

Quarters > 2 > ratios > Piotroski FScore

4

Quarters > 2 > ratios > fcf Percent

0.36549906360546575

Quarters > 2 > health Score

59

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

79047000

Quarters > 3 > income Statement > cost Of Revenue

56308000

Quarters > 3 > income Statement > gross Profit

22739000

Quarters > 3 > income Statement > operating Expenses

13852000

Quarters > 3 > income Statement > operating Income

8887000

Quarters > 3 > income Statement > interest Expense

2784000

Quarters > 3 > income Statement > pretax Income

8887000

Quarters > 3 > income Statement > net Income

4946000

Quarters > 3 > income Statement > eps

0.10003617159103789

Quarters > 3 > income Statement > dividends Per Share

24102000

Quarters > 3 > income Statement > shares Outstanding

49442116

Quarters > 3 > income Statement > income Tax Expense

3019000

Quarters > 3 > income Statement > EBITDA

13926000

Quarters > 3 > income Statement > operating Margin

11.24267840651764

Quarters > 3 > income Statement > total Other Income Expense Net

-2784000

Quarters > 3 > balance Sheet > cash

137036000

Quarters > 3 > balance Sheet > short Term Investments

148008000

Quarters > 3 > balance Sheet > receivables

309983000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

858400000

Quarters > 3 > balance Sheet > property Plant Equipment

5736000

Quarters > 3 > balance Sheet > total Assets

1216112000

Quarters > 3 > balance Sheet > payables

169270000

Quarters > 3 > balance Sheet > short Term Debt

3700000

Quarters > 3 > balance Sheet > long Term Debt

149020000

Quarters > 3 > balance Sheet > total Liabilities

980452000

Quarters > 3 > balance Sheet > equity

235660000

Quarters > 3 > cash Flow > net Income

4946000

Quarters > 3 > cash Flow > depreciation

2846000

Quarters > 3 > cash Flow > change In Working Capital

6267000

Quarters > 3 > cash Flow > cash From Operations

1602000

Quarters > 3 > cash Flow > capital Expenditures

11000

Quarters > 3 > cash Flow > cash From Investing

-16306999

Quarters > 3 > cash Flow > cash From Financing

-25461000

Quarters > 3 > cash Flow > net Change In Cash

-40166000

Quarters > 3 > ratios > PE

0.10003617159103789

Quarters > 3 > ratios > PB

2.658200839005347

Quarters > 3 > ratios > ROE

2.098786387167954

Quarters > 3 > ratios > ROA

0.4067059612930388

Quarters > 3 > ratios > FCF

1591000

Quarters > 3 > ratios > Piotroski FScore

3

Quarters > 3 > ratios > fcf Percent

0.020127266056902855

Quarters > 3 > health Score

34

Valuation > metrics > PE

6.9364

Valuation > metrics > PB

1.932814906225456

Valuation > final Score

100

Valuation > verdict

15.3% Undervalued

Profitability > metrics > ROE

9.926930117565805

Profitability > metrics > ROA

1.9196855977779093

Profitability > metrics > Net Margin

0.359770955165692

Profitability > final Score

56

Profitability > verdict

Weak

Risk > metrics > Debt Equity

2.6026233035165838

Risk > metrics > Interest Coverage

15.582934902537698

Risk > final Score

58

Risk > verdict

High

Liquidity > metrics > Current Ratio

8.135330826850774

Liquidity > metrics > Quick Ratio

8.135330826850774

Liquidity > final Score

100

Liquidity > verdict

Great

Prev Valuations > 0

100

Prev Valuations > 1

100

Prev Valuations > 2

100

Prev Profitabilities > 0

63

Prev Profitabilities > 1

55

Prev Profitabilities > 2

15

Prev Risks > 0

46

Prev Risks > 1

45

Prev Risks > 2

19

Prev Liquidities > 0

10

Prev Liquidities > 1

100

Prev Liquidities > 2

100

Updated At

2025-12-14T00:11:39.846Z