American Coastal Insurance vs NI
ACIC and NODK 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 NODK compare
American Coastal Insurance is the larger company, worth 1.6 times as much as NI ($498M against $306M).
On earnings, American Coastal Insurance is cheaper: it trades at 5.8× trailing earnings, against 20.5× for NI.
American Coastal Insurance grew revenue faster over the last twelve months (−5.3% versus −12.9% for NI).
American Coastal Insurance keeps more of each dollar of sales as profit, with a net margin of 28.0% compared with 5.8% at NI.
American Coastal Insurance pays a dividend yielding 7.3%; NI does not pay one.
American Coastal Insurance scores higher on the StockData Score (17 against 5 for NI), 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 | NODK |
|---|---|---|
| Size and price | ||
| Market cap | $498M | $306M |
| Share price | $10.27 | $14.98 |
| Change, 1 year | −14.7% | 12.5% |
| Change, 5 years | 123% | −23.6% |
| Beta (5Y) | 0.61 | 0.34 |
| Employees | 68 | 172 |
| StockData Score | ||
| Total score | 17 (better) | 5 |
| Valuation score | 5 (better) | 2 |
| Growth score | 1 | 1 |
| Performance score | 4 (better) | 2 |
| Health score | 2 (better) | 0 |
| Dividend score | 5 (better) | 0 |
| Valuation | ||
| P/E | 5.8× (better) | 20.5× |
| P/S | 1.6× | 1.2× (better) |
| P/B | 1.4× | 1.3× (better) |
| EV/EBITDA | 3.0× | – |
| P/FCF | 7.2× | – |
| FCF yield | 13.9% (better) | −1.00% |
| Fair value | $14.16 | $13.59 |
| Margin of safety | 27.5% (better) | −10.2% |
| Growth | ||
| Revenue growth (TTM) | −5.3% (better) | −12.9% |
| Revenue growth, 5Y average | −16.9% | −1.4% (better) |
| Net income growth (TTM) | 2.2% | 480% (better) |
| EPS growth (TTM) | 2.9% | 508% (better) |
| Profitability | ||
| Gross margin | – | 35.0% |
| Operating margin | 37.7% | – |
| Net margin | 28.0% (better) | 5.8% |
| FCF margin | 22.2% (better) | −1.2% |
| Return on equity | 25.5% (better) | 6.2% |
| 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 | 1.81 (better) |
| Piotroski F-score | 3 | 3 |
| Dividends and buybacks | ||
| Dividend yield | 7.3% | – |
| Payout ratio | 42.0% | – |
| Years of dividend growth | 1 | – |
| Buyback yield | −0.02% | – |
| Shareholder yield | 7.3% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 32.5% | 25.3% |
| Held by insiders | 48.1% | 2.3% |
| Insider net buying, 12 months | −$429K | – |
| Short interest, % of float | 6.7% | 0.43% |
Go deeper
- ACIC stock overview
- ACIC income statement
- ACIC valuation and score
- NODK stock overview
- NODK income statement
- NODK valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.