Stocktoria

AMERICAN COASTAL INSURANCE Corp ACIC

Nasdaq · stock · Fire, Marine & Casualty Insurance · website · IPO 2007-10-05

AMERICAN COASTAL INSURANCE Corp statistics & valuation

Market cap$540.4M
P / E5.1×
P / S1.6×
P / B1.7×
P / FCF7.6×
Net margin31.8%
Return on equity33.6%
FCF margin21.1%
Net cash$48.8M
Net debt / EBITDA-0.3×
Enterprise value USD$491.6M
EV / EBITDA3.3×
Earnings yield EBIT/EV28.5%
Graham number +78.7%$17.57

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($17.57); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
1.20% 1.60% 0.00% -3.60% -11.40% -25.30% -212.00% 117.20% 25.50% 31.80% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
1.40% 0.10% -0.60% -4.00% -15.60% -4.60% -3.90% 35.50% 33.60% 41.80% 2016201720182019202020212022202320242025
Return on equity (%)
2.40% 1.90% 0.10% -5.70% -23.10% -17.40% 183.60% 32.10% 33.60% 2016201720182019202020212022202320242025
Shares outstanding
21.6M 42.8M 43.0M 43.0M 43.1M 43.4M 43.3M 46.8M 49.4M 49.8M 2016201720182019202020212022202320242025
Net debt ($)
-$96.5M -$64.9M $50.4M -$53.9M -$79.0M -$53.5M $79.1M $11.1M $13.0M -$48.8M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.60% 0.50% 0.00% -1.20% -3.40% -2.10% -16.60% 29.20% 6.20% 10.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
12.90% 4.60% 3.00% 15.40% -2.50% -131.50% -79.50% -51.50% 82.10% 21.10% 2016201720182019202020212022202320242025
Debt / equity (×)
0.22× 0.31× 0.30× 0.31× 0.38× 0.48× 0.89× 0.64× 0.47× 2016201720182019202020212022202320242025
EPS ($)
$0.26 $0.27 $0.01 -$0.70 -$2.25 -$1.35 -$10.91 $6.98 $1.54 $2.15 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

AMERICAN COASTAL INSURANCE Corp trades at about 4.6× earnings — below its 10-year norm (10-year range 1.7×–1632×, median 11.9×).

1.7× 1632×

Shaded band = 10-year range (1.7×–1632×); dot = today's 4.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating margin41.8%33.6%35.5%-3.9%-4.6%-15.6%-4.0%-0.6%0.1%1.4%
Net margin31.8%25.5%117.2%-212.0%-25.3%-11.4%-3.6%0.0%1.6%1.2%
FCF margin21.1%82.1%-51.5%-79.5%-131.5%-2.5%15.4%3.0%4.6%12.9%
Return on assets10.0%6.2%29.2%-16.6%-2.1%-3.4%-1.2%0.0%0.5%0.6%
Return on equity33.6%32.1%183.6%258.1%-17.4%-23.1%-5.7%0.1%1.9%2.4%
Debt / equity0.47×0.64×0.89×-0.82×0.48×0.38×0.31×0.30×0.31×0.22×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.