AMERICAN COASTAL INSURANCE Corp (ACIC) stock
ACICNasdaqFire, Marine & Casualty InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 17/3027% below fair value
$10.27−0.07 (-0.68%)
Close on Nov 13, 2026Market cap $497.73MP/E 5.8Yield 7.30%
American Coastal Insurance statistics
103 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 18, 2027 (estimated, after the close)
- Last ex-dividend date
- Jan 2, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.69
- 1.74
- P/OCF Ratio
- 7.15
- 7.15
Enterprise valuationIndustry
- EV / Sales
- 1.13
- 0.97
- EV / EBIT
- 3.01
- 13.36
- EV / FCF
- 5.12
- 7.00
Share statisticsIndustry
- Shares Change (YoY)
- -0.65%
- -1.32%
- Shares Change (QoQ)
- 0.04%
- -0.09%
- Float
- 25M
- 57M
- Shares Held by Insiders
- 48.1%
- 3.33%
- Shares Held by Institutions
- 32.5%
- 84.6%
Short sellingIndustry
- Short Interest
- 2M
- –
- Short Interest Change
- -14.7%
- -2.56%
- Short % of Float
- 6.65%
- 3.81%
- Short % of Shares Outstanding
- 3.45%
- 3.02%
- Days to Cover
- 6.81
- 4.05
Stock price statisticsIndustry
- 52-Week High
- $13.05
- –
- 52-Week Low
- $9.01
- –
- 20-Day Moving Average
- $10.71
- –
- 50-Day Moving Average
- $10.01
- –
- 200-Day Moving Average
- $10.64
- –
- Average True Range (14)
- $0.35
- –
- Price Change (1 Week)
- 2.29%
- 2.21%
- Price Change (1 Month)
- -6.21%
- 4.21%
- Price Change (3 Months)
- 8.68%
- 2.03%
- Price Change (6 Months)
- -5.35%
- 11.0%
- Price Change (YTD)
- -18.7%
- 8.86%
- Price Change (1 Year)
- -14.7%
- 10.7%
- Price Change (3 Years)
- 8.56%
- 42.9%
- Price Change (5 Years)
- 104.6%
- 42.3%
- Price Change (10 Years)
- -24.3%
- 113.0%
- Average Volume (10 Days)
- 240,489
- –
- Average Volume (20 Days)
- 239,291
- –
- Average Volume (90 Days)
- 273,002
- –
- Relative Volume
- 0.55
- 0.73
- Relative Strength Index (14)
- 47.1
- 56.3
- Volatility (1 Year)
- 32.9%
- 28.3%
- Beta (5 Years)
- 0.61
- 0.60
MarginsIndustry
- Pretax Margin
- 37.5%
- 13.5%
- EBITDA Margin
- 38.1%
- 13.5%
- FCF Margin
- 22.2%
- 18.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 25.5%
- 13.9%
- Return on Assets (ROA)
- 7.59%
- 2.97%
- Return on Invested Capital (ROIC)
- 53.4%
- 17.9%
Financial positionIndustry
- Debt / Equity
- 0.42
- 0.32
- Debt / EBITDA
- 1.26
- 2.21
- Debt / FCF
- 2.17
- 2.32
- Net Debt / EBITDA
- -1.22
- -0.97
- Interest Coverage
- 12.10
- 4.66
GrowthIndustry
- Revenue Growth (YoY)
- -5.31%
- 6.46%
- Net Income Growth (YoY)
- 2.22%
- 11.9%
- EPS Growth (YoY)
- 2.92%
- 12.7%
- FCF Growth (YoY)
- -42.7%
- 9.52%
- Revenue Growth (3Y CAGR)
- 14.8%
- 9.53%
- Revenue Growth (5Y CAGR)
- -16.9%
- 8.29%
EfficiencyIndustry
- Asset Turnover
- 0.27
- 0.27
- Revenue Per Employee
- $4.57M
- $1.80M
- Profits Per Employee
- $1.28M
- $182.48K
- Employee Count
- 68
- 1,341
- WACC
- 7.37%
- 8.10%
Income statement (TTM)Industry
- Pretax Income
- $116.74M
- $617.47M
Balance sheetIndustry
- Net Cash (Debt)
- $145.09M
- $331.32M
- Net Cash Per Share
- $2.99
- $5.43
- Equity (Book Value)
- $355.68M
- $3.44B
- Book Value Per Share
- $7.34
- $37.80
- Tangible Book Value
- $294.61M
- $2.32B
Cash flow (TTM)Industry
- Capital Expenditures
- -$627.00K
- -$9.40M
- FCF Per Share
- $1.42
- $8.18
Dividends and yieldsIndustry
- Earnings Yield
- 17.5%
- 8.85%
- FCF Yield
- 13.9%
- 12.2%
- Dividend Yield
- 7.30%
- 1.88%
- Buyback Yield
- -0.02%
- 3.22%
- Shareholder Yield
- 7.29%
- 4.26%
- Dividend Per Share
- $0.75
- $1.75
- Dividend Growth (YoY)
- 50.0%
- 4.86%
- Years of Dividend Growth
- 1
- 3
- Payout Ratio
- 42.0%
- 20.1%
- FCF Payout Ratio
- 53.1%
- 17.9%
Taxes and interestIndustry
- Interest Expense
- $9.69M
- $77.46M
- Income Tax
- $29.63M
- $107.00M
- Effective Tax Rate
- 25.4%
- 20.0%
Scores and fair valueIndustry
- Graham Number
- $17.05
- $76.72
- Graham Upside
- 66.0%
- 11.3%
- Altman Z-Score
- 0.95
- 0.94
- Piotroski F-Score
- 3
- 5
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | ACIC | S&P 500 | Difference | ACIC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -3.4% | -3.0% | −0.3 pts | ||
| 3 months | +5.2% | -2.8% | +8.0 pts | ||
| Year to date | -13.6% | +11.5% | −25.0 pts | ||
| 1 year | -8.6% | +13.5% | −22.1 pts | ||
| 3 years | +65.5% | +77.7% | −12.2 pts | +18.3% | +21.1% |
| 5 years | +132.9% | +72.6% | +60.3 pts | +18.4% | +11.5% |
| 10 years | -3.3% | +308.2% | −311.4 pts | -0.3% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
2M ACIC shares were sold short on Oct 30, 2026, down 14.7% from the previous report, or 6.65% of the shares available to trade. At recent volumes it would take 6.8 days to buy them back. Over the last 20 sessions, 72.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,672,771 | -14.7% | 245,700 | 6.8 |
| Oct 15, 2026 | 1,962,164 | -7.7% | 331,340 | 5.9 |
| Sep 30, 2026 | 2,126,412 | +15.4% | 318,282 | 6.7 |
| Sep 15, 2026 | 1,843,015 | +11.9% | 205,221 | 9.0 |
| Aug 31, 2026 | 1,646,939 | +39.0% | 268,829 | 6.1 |
| Aug 14, 2026 | 1,184,847 | -5.2% | 312,482 | 3.8 |
| Jul 31, 2026 | 1,249,767 | +12.6% | 251,768 | 5.0 |
| Jul 15, 2026 | 1,109,426 | -0.3% | 224,187 | 5.0 |
| Jun 30, 2026 | 1,112,670 | +4.6% | 429,699 | 2.6 |
| Jun 15, 2026 | 1,063,584 | -9.1% | 297,333 | 3.6 |
| May 29, 2026 | 1,170,029 | +18.8% | 262,464 | 4.5 |
| May 15, 2026 | 985,176 | +35.5% | 320,826 | 3.1 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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