American Coastal Insurance vs Amerisafe
ACIC and AMSF side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ACIC and AMSF compare
American Coastal Insurance is the larger company, worth 1.4 times as much as Amerisafe ($493M against $358M).
On earnings, American Coastal Insurance is cheaper: it trades at 5.8× trailing earnings, against 9.0× for Amerisafe.
Amerisafe grew revenue faster over the last twelve months (7.7% versus −5.3% for American Coastal Insurance).
American Coastal Insurance keeps more of each dollar of sales as profit, with a net margin of 28.0% compared with 12.1% at Amerisafe.
Both pay dividends: American Coastal Insurance yields 7.4% and Amerisafe 13.6%.
American Coastal Insurance scores higher on the StockData Score (17 against 14 for Amerisafe), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ACIC | AMSF |
|---|---|---|
| Size and price | ||
| Market cap | $493M | $358M |
| Share price | $10.18 | $19.31 |
| Change, 1 year | −15.0% | −52.8% |
| Change, 5 years | 121% | −64.4% |
| Beta (5Y) | 0.61 | 0.35 |
| Employees | 68 | 55 |
| StockData Score | ||
| Total score | 17 (better) | 14 |
| Valuation score | 5 | 6 (better) |
| Growth score | 1 | 1 |
| Performance score | 4 (better) | 3 |
| Health score | 2 (better) | 0 |
| Dividend score | 5 (better) | 4 |
| Valuation | ||
| P/E | 5.8× (better) | 9.0× |
| P/S | 1.6× | 1.1× (better) |
| P/B | 1.4× (better) | 1.5× |
| EV/EBITDA | 2.9× | – |
| P/FCF | 7.2× (better) | 29.0× |
| FCF yield | 14.0% (better) | 3.4% |
| Fair value | $14.09 | $28.19 |
| Margin of safety | 27.7% | 31.5% (better) |
| Growth | ||
| Revenue growth (TTM) | −5.3% | 7.7% (better) |
| Revenue growth, 5Y average | −16.9% | −1.3% (better) |
| Net income growth (TTM) | 2.2% (better) | −19.1% |
| EPS growth (TTM) | 2.9% (better) | −17.6% |
| EPS growth, 5Y average | – | −11.2% |
| Profitability | ||
| Operating margin | 37.7% | – |
| Net margin | 28.0% (better) | 12.1% |
| FCF margin | 22.2% (better) | 3.7% |
| Return on equity | 25.5% (better) | 15.8% |
| Return on invested capital | 53.4% | – |
| Financial health | ||
| Debt / equity | 0.42 | – |
| Net debt / EBITDA | −1.22 | – |
| Interest coverage | 12.1× | – |
| Altman Z-score | 0.95 (better) | 0.66 |
| Piotroski F-score | 3 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | 7.4% | 13.6% (better) |
| Payout ratio | 42.0% | 157% |
| Years of dividend growth | 1 | 12 (better) |
| Dividend growth, 5Y average | – | 7.6% |
| Buyback yield | −0.02% | – |
| Shareholder yield | 7.4% | 13.6% (better) |
| Ownership | ||
| Held by institutions | 32.5% | 102% |
| Held by insiders | 48.1% | 2.2% |
| Insider net buying, 12 months | −$429K | $0 (better) |
| Short interest, % of float | 6.7% | 3.1% |
Go deeper
- ACIC stock overview
- ACIC income statement
- ACIC valuation and score
- AMSF stock overview
- AMSF income statement
- AMSF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.