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American Coastal Insurance Corp (ACIC) stock

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NASDAQ: ACIC Nasdaq Property & Casualty Insurance Next results ~January 27, 2027

C Fundamentals grade

American Coastal Insurance Corp is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders3 buying, 2 selling7 purchases and 4 sales by directors and officers, last 12 monthsInsider trades
  • Funds65 adding, 69 cuttingOf 29 active managers that changed their stake, 15 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter American Coastal Insurance files

Where American Coastal Insurance stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $331m, up 3.3% on a year earlier, slower than the 10.7% growth a quarter earlier.

Our model value for American Coastal Insurance is under review, so past values are not shown until it is resolved.

Source: 10-Q filed August 6, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 27, 2027 (estimated)

American Coastal Insurance Corp's trailing-twelve-month revenue grew 3.3% year on year, with a free-cash-flow margin of -9.4%. Where it stands out: operating margin of 40.2% ranks 1 of 9 property & casualty insurance companies we cover. Where it lags: change in growth rate of -7.4pp ranks 39 of 48 property & casualty insurance companies we cover.

Current signal Revenue growth decelerating: TTM revenue growth slowed to 3.3% (-7.4pp vs the prior quarter), the 4th consecutive quarterly slowdown.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Strengths

  • High operating margin. 40.2% of revenue is left as operating profit, against a median of 8.0% for property & casualty insurance companies we cover.
  • Margins widening. Operating margin is up 7.0 points on a year ago.
  • Net cash. Cash exceeds long-term debt by $0.1bn.
  • Estimates rising. Analysts' consensus for next year's earnings per share has risen 26.1% over 90 days.

Things to watch

  • Growth slowing. The growth rate is 7.4 points lower than a quarter earlier.
  • Burning cash. Free cash flow was -9.4% of revenue over the last 12 months.
  • Weak cash conversion. Free cash flow was -31% of net income over the last 12 months.
  • Missing expectations. Earnings per share fell short of the consensus estimate in 3 of the last four quarters.
  • Earnings expected to fall. The consensus expects earnings per share to fall 4% next year.

Latest results: FY2026 Q2

Filed August 6, 2026
Earnings per share
$0.42 against an average estimate of $0.47: missed by 10.6%
Revenue
$83m, down 4.5% on a year earlier
Share reaction
+0.5% in the first session after the results on October 29, 2026, against -2.1% for the S&P 500
Next report
October 29, 2026; average EPS estimate $0.14

American Coastal Insurance's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day-0.2%
  • 1 week-2.1%
  • 1 month+16.8%
  • This year-8.2%
  • 1 year-2.1%
  • 5 years+190.7%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$331M
Operating margin
40.2%
Net margin
30.3%
EPS (TTM, diluted)
$2.01

Growth

Revenue growth
+3.3%
Change in growth rate
−7.4 pts
Share count change
+0.4%

Earnings

Last results
October 29, 2026
Next results (est.)
January 27, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Leadership
  3. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

No model value for American Coastal Insurance Corp at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: valuation models disagree too widely to rate: held for review.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value American Coastal Insurance Corp as an insurer, with every model that fits that kind of business. Cost of equity 7.7%: the 10-year Treasury yield (4.9%) plus a beta of 0.6 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$1.1 ~$0.3–$2.3 Left out: out of range vs price (0.10x)
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: This model is withheld pending its input or assumption review.
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$4.5 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$9.4 ~$7.7–$16 Included
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. ~$20 ~$18–$31 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: This model is withheld pending its input or assumption review.
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare American Coastal Insurance Corp with property, casualty and specialty insurers in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

16 /100

Weak moat

How hard American Coastal Insurance's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median -0.2% of total assets over 10 years.

  • Durability 1 / 20

    Operating margin has been a median 8.5%; its worst year was -26.6%.

  • Discipline 11 / 20

    The diluted share count rose 16.1% over five years; stock-based pay has been a median 0.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (21 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

American Coastal Insurance Corp: consensus estimates
Fiscal yearEPSGrowthRevenueGrowth
Current $1.33 −36% $382m +14%
Next $1.28 −4% — —

Next year's EPS estimate has moved +26.1% in 90 days, across 1 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +38.5% on 90 days ago. In the last 30 days, 1 analyst raised American Coastal Insurance Corp's forecast and 1 cut it.

Consensus EPS forecast American Coastal Insurance Corp, last 90 days
$0.90 $1.00 $1.10 $1.20 $1.30 $1.40 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $0.96 Current fiscal year, 60 days ago: $0.93 Current fiscal year, 30 days ago: $0.93 Current fiscal year, 7 days ago: $0.96 Current fiscal year, Now: $1.33 $1.33 Next fiscal year, 90 days ago: $1.01 Next fiscal year, 60 days ago: $1.09 Next fiscal year, 30 days ago: $1.09 Next fiscal year, 7 days ago: $1.28 Next fiscal year, Now: $1.28 $1.28

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $0.96$1.01
60 days ago $0.93$1.09
30 days ago $0.93$1.09
7 days ago $0.96$1.28
Now $1.33$1.28

Earnings against estimates

American Coastal Insurance Corp: reported EPS against the consensus estimate
Quarter toEstimateActualSurprise
Sept 2026 $0.47 $0.42 −10.6%
Jun 2026 $0.42 $0.33 −21.4%
Mar 2026 $0.44 $0.39 −11.4%
Dec 2025 $0.42 $0.52 +23.8%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 29, 2026

No numeric guidance in American Coastal Insurance Corp's latest earnings release (filed October 29, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

1 analysts, Oct 2026
Buy00%
Hold1100%
Sell00%

Monthly trend

  1. Oct 202611
  2. Sep 202611
  3. Aug 2026112
  4. Jul 2026112

Counts of recommendations published by analysts covering American Coastal Insurance Corp, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
8.4%
of tradable shares
Days to cover
6.08
at average volume
Short interest, 1 month
+6%
to October 15, 2026
Held by institutions
36%
of shares
Held by insiders
50.6%
of shares
Employees
68
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months −2.1%

$11.14 on October 31, 2025 to $10.90

American Coastal Insurance Corp: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $320m $331m +3.3%
Net margin 25.3% 30.3% +20.0%
P/E multiple 6.8x 5.4x −20.7%
Share count 50m 50m −0.4%

Biggest factor: p/e multiple.

Last 3 years +61.8%

$6.74 on November 3, 2023 to $10.90

American Coastal Insurance Corp: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $167m $331m +97.5%
P/S multiple 1.7x 1.6x −6.1%
Share count 43m 50m −12.8%

Biggest factor: revenue. Loss-making at one end, so the split uses price/sales.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

American Coastal Insurance Corp: yearly return, monthly win rate and worst fall against the S&P 500
Calendar year 202120222023202420252026 to date
Return
ACIC−20%−75%+793%+42%−3%−8%
Industry peers (median)+15%+1%+9%+30%+9%+10%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
ACIC58%8%75%58%50%36%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
ACIC−64%−93%−60%−33%−24%−26%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 99% from September 28, 2018 to November 25, 2022. Getting back needed a 6514% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$9.04 – $12.26
From 52-week high
−11.1%
vs 50-day average
+10.6%
vs 200-day average
+2.1%
Volatility (1 year)
31%
Beta vs S&P 500
-0.13

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
4 up, 8 down
typical move ±5.5%
After a week
4 up, 7 down
typical move ±8.0%
After a month
5 up, 6 down
typical move ±9.1%
American Coastal Insurance Corp: share-price change after each results release
Results releasedNext dayS&P 500 next day5 days21 days
October 29, 2026 +0.5% −2.1% — —
August 5, 2026 −6.8% −0.4% −10.9% −13.5%
May 5, 2026 −10.4% +2.2% −9.1% −13.4%
February 19, 2026 −1.1% +0.5% +3.2% +0.5%
November 5, 2025 +1.1% −0.7% −0.2% +0.4%
August 6, 2025 +4.4% +0.7% +6.0% +10.8%
May 8, 2025 −4.0% +0.6% −5.4% −6.1%
February 27, 2025 −5.1% −0.1% −5.4% −9.9%
November 6, 2024 −1.5% +3.3% +2.7% +10.1%
August 7, 2024 −3.3% +1.6% −3.8% −6.8%
May 9, 2024 +13.5% +0.7% +17.4% +2.4%
February 29, 2024 −14.7% +1.3% −24.2% −25.7%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

American Coastal Insurance Corp in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) American Coastal Insurance Corp
$0 $100M $200M $300M $400M FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $96.1M Revenue (TTM), FY23 Q4: $267.6M Revenue (TTM), FY24 Q1: $243.9M Revenue (TTM), FY24 Q2: $239M Revenue (TTM), FY24 Q3: $268.6M Revenue (TTM), FY24 Q4: $296.7M Revenue (TTM), FY25 Q1: $302.3M Revenue (TTM), FY25 Q2: $320.1M Revenue (TTM), FY25 Q3: $328.3M Revenue (TTM), FY25 Q4: $335.4M Revenue (TTM), FY26 Q1: $334.5M Revenue (TTM), FY26 Q2: $330.6M $330.6M

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $96.1M
FY23 Q4 $267.6M
FY24 Q1 $243.9M
FY24 Q2 $239M
FY24 Q3 $268.6M
FY24 Q4 $296.7M
FY25 Q1 $302.3M
FY25 Q2 $320.1M
FY25 Q3 $328.3M
FY25 Q4 $335.4M
FY26 Q1 $334.5M
FY26 Q2 $330.6M
Revenue growth, TTM YoY American Coastal Insurance Corp
0% 50% 100% 150% 200% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: 105.8% Revenue growth, TTM YoY, FY23 Q4: 50.6% Revenue growth, TTM YoY, FY24 Q1: 16.4% Revenue growth, TTM YoY, FY24 Q2: 42.8% Revenue growth, TTM YoY, FY24 Q3: 179.5% Revenue growth, TTM YoY, FY24 Q4: 10.8% Revenue growth, TTM YoY, FY25 Q1: 23.9% Revenue growth, TTM YoY, FY25 Q2: 33.9% Revenue growth, TTM YoY, FY25 Q3: 22.2% Revenue growth, TTM YoY, FY25 Q4: 13.1% Revenue growth, TTM YoY, FY26 Q1: 10.7% Revenue growth, TTM YoY, FY26 Q2: 3.3% 3.3%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 105.8%
FY23 Q4 50.6%
FY24 Q1 16.4%
FY24 Q2 42.8%
FY24 Q3 179.5%
FY24 Q4 10.8%
FY25 Q1 23.9%
FY25 Q2 33.9%
FY25 Q3 22.2%
FY25 Q4 13.1%
FY26 Q1 10.7%
FY26 Q2 3.3%
Operating margin (TTM) American Coastal Insurance Corp
0% 100% 200% 300% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Operating margin (TTM), FY23 Q3: 222.7% Operating margin (TTM), FY23 Q4: 34.5% Operating margin (TTM), FY24 Q1: 36.7% Operating margin (TTM), FY24 Q2: 38.5% Operating margin (TTM), FY24 Q3: 40.9% Operating margin (TTM), FY24 Q4: 33.6% Operating margin (TTM), FY25 Q1: 31.2% Operating margin (TTM), FY25 Q2: 33.2% Operating margin (TTM), FY25 Q3: 34.1% Operating margin (TTM), FY25 Q4: 41.8% Operating margin (TTM), FY26 Q1: 42.1% Operating margin (TTM), FY26 Q2: 40.2% 40.2%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Operating margin (TTM)
FY23 Q3 222.7%
FY23 Q4 34.5%
FY24 Q1 36.7%
FY24 Q2 38.5%
FY24 Q3 40.9%
FY24 Q4 33.6%
FY25 Q1 31.2%
FY25 Q2 33.2%
FY25 Q3 34.1%
FY25 Q4 41.8%
FY26 Q1 42.1%
FY26 Q2 40.2%
FCF margin (TTM) American Coastal Insurance Corp
-400% -200% 0% 200% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: -270.9% FCF margin (TTM), FY23 Q4: -50.9% FCF margin (TTM), FY24 Q1: 38.0% FCF margin (TTM), FY24 Q2: 145.5% FCF margin (TTM), FY24 Q3: 108.2% FCF margin (TTM), FY24 Q4: 82.1% FCF margin (TTM), FY25 Q1: 48.1% FCF margin (TTM), FY25 Q2: 45.9% FCF margin (TTM), FY25 Q3: 36.6% FCF margin (TTM), FY25 Q4: 21.1% FCF margin (TTM), FY26 Q1: 11.6% FCF margin (TTM), FY26 Q2: -9.4% -9.4%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 -270.9%
FY23 Q4 -50.9%
FY24 Q1 38.0%
FY24 Q2 145.5%
FY24 Q3 108.2%
FY24 Q4 82.1%
FY25 Q1 48.1%
FY25 Q2 45.9%
FY25 Q3 36.6%
FY25 Q4 21.1%
FY26 Q1 11.6%
FY26 Q2 -9.4%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q, 10-Q/A. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

American Coastal Insurance Corp: annual financial statements
Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 88 80 96 131 208 280 358 487 654 724 825 847 229 222 264 297 335 331
EBITDA 8 0 14 16 35 65 43 9 7 −0 −26 −126 −5 −4 95 104 144 135
Operating income 6 −1 13 15 34 64 42 7 1 −4 −33 −132 −11 −9 94 100 140 133
Net income 4 −1 8 10 20 41 27 6 10 0 −30 −96 −58 −470 310 76 107 100
Diluted EPS $0.38 −$0.09 $0.77 $0.91 $1.26 $2.05 $1.28 $0.26 $0.27 $0.01 −$0.70 −$2.25 −$1.35 −$10.91 $6.98 $1.54 $2.15 $2.01
Growth (year on year)
Revenue — −9.6% +20.5% +36.1% +58.6% +34.7% +27.6% +36.2% +34.3% +10.6% +14.0% +2.6% −73.0% −3.1% +19.3% +12.2% +13.1% +3.3%
EBITDA — −94.4% — +14.4% +121.1% +84.9% −33.3% −78.5% — — — — — — — +9.5% +37.9% +22.0%
Operating income — −110.8% — +15.4% +126.4% +86.5% −35.4% −83.4% — — — — — — — +6.1% +40.8% +25.1%
Net income — −122.8% — +20.0% +109.6% +101.6% −33.3% −79.2% — — — — — — — −75.6% +41.1% +23.9%
Diluted EPS — −123.7% — +18.2% +38.5% +62.7% −37.6% −79.7% — — — — — — — −77.9% +39.6% +23.4%
Margins
EBITDA margin 8.5% 0.5% 14.4% 12.1% 16.9% 23.2% 12.1% 1.9% 1.0% −0.0% −3.2% −14.9% −2.2% −1.8% 36.1% 35.2% 43.0% 40.8%
Operating margin 7.2% −0.9% 13.7% 11.6% 16.6% 23.0% 11.6% 1.4% 0.1% −0.6% −4.0% −15.6% −4.6% −3.9% 35.5% 33.6% 41.8% 40.2%
Net margin 4.6% −1.2% 8.4% 7.4% 9.8% 14.6% 7.7% 1.2% 1.6% 0.0% −3.6% −11.4% −25.3% −212.0% 117.2% 25.5% 31.8% 30.3%
Free-cash-flow margin 7.2% −10.0% 40.1% 26.7% 51.9% 22.3% 24.4% 12.9% 4.6% 3.0% 15.4% −2.5% −131.5% −79.5% −51.5% 82.1% 21.1% −9.4%
Cash flow
Cash from operations 6 −8 39 36 110 69 98 66 36 26 149 −10 −295 −173 −136 244 71 −31
Capital spending 0 0 0 0 2 6 11 3 5 4 22 11 5 3 0 0 0 0
Free cash flow 6 −8 39 35 108 63 87 63 30 22 127 −21 −301 −176 −136 243 71 −31
Stock-based pay 0 0 0 0 0 1 2 2 3 2 3 1 1 1 1 3 4 5
Free cash flow after stock pay 6 −8 39 35 108 62 85 61 28 19 124 −23 −302 −178 −138 241 67 −36
Balance sheet
Cash 27 72 42 71 35 61 85 151 230 113 215 239 212 71 139 137 199 219
Total debt 0 0 17 16 15 14 12 54 165 163 162 160 159 150 150 150 150 150
Net debt (negative = net cash) −27 −72 −25 −55 −20 −48 −72 −97 −65 50 −54 −79 −53 79 11 13 −49 −69
Diluted shares 11m 11m 10m 11m 16m 20m 21m 22m 37m 43m 43m 43m 43m 43m 44m 49m 50m 50m
Returned to shareholders
Dividends — 1 1 1 2 3 4 5 9 10 10 10 10 3 0 24 0 —
Buybacks 0 0 0 0 0 — — — — — — — — — — — — —
Total returned 0 1 1 1 2 3 4 5 9 10 10 10 10 3 0 24 0 —

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

Diluted share count
+0.4%
year over year

Competitors: side by side with peers

Closest by revenue in property & casualty insurance
Growth, margins and cash generation against peers
Last 12 months unless stated ACIC AMSF OSG ITIC NODK KINS Median
Revenue, last 12 months $331m $333m $321m $293m $267m $238m $1.7bn
Revenue growth, last 12 months 3.3% 7.7% 26.8% 8.7% −13.9% 28.0% 8.0%
Revenue growth, 3-year average 25.5% 2.9% — 5.0% −2.5% 17.6% 9.5%
Revenue growth, latest quarter −4.5% −2.6% 51.0% 17.5% −7.7% 25.9% 4.2%
Net margin 30.3% 12.1% −49.6% 13.8% 2.9% 14.8% 10.5%
Cash from operations / revenue −9.3% 3.8% −19.4% 10.9% −12.2% 36.3% 18.2%
Free-cash-flow margin −9.4% 3.7% −34.2% 9.0% −12.2% 34.9% 17.6%
Free-cash-flow margin, 3-year average 60.7% 4.0% 16.7% 8.1% 4.8% 28.0% 16.5%
Stock pay / revenue 1.5% 0.7% 4.3% 0.2% 0.3% 0.8% 0.6%
Change in share count 0.4% −1.7% −3.8% −0.0% −1.0% 4.7% −0.7%

Median of all 48 companies we cover in property & casualty insurance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

48 property & casualty insurance companies
Measures ranked against peers
Measure Company Peer median Rank
Revenue growth Growth 3.3% 8.3% 35 of 48
Change in growth rate Growth -7.4pp -0.7pp 39 of 48
Operating margin Profitability 40.2% 8.0% 1 of 9
Net margin Profitability 30.3% 10.8% 2 of 48
Stock pay as % of revenue Cash generation 1.5% 0.7% 25 of 34
Change in share count Balance sheet 0.4% -0.7% 35 of 47

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Reported value
$175M
Institutions reporting
134
Shares held vs prior quarter
▼ 10.3%
Positions opened / closed
16 / 31

Top buyers and sellers, Q2 2026: 65 institutions bought and 69 sold ; the biggest buyer was Blackrock, Inc (+452K shares) and the biggest seller Empyrean Capital Partners, LP (−896K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $25.3M 2.3M 14.5% ▲ 24.7%
Tieton Capital Management, LLC $13.9M 1.3M 8.0% ▼ 1.5%
Vanguard Capital Management LLC $11.1M 996K 6.3% ▼ 0.1%
Dimensional Fund Advisors LP $9.9M 894K 5.7% ▲ 19.2%
American Century Companies Inc $9.4M 848K 5.4% ▲ 17.9%
Punch & Associates Investment Management, Inc. $9M 809K 5.1% 0.0%
Geode Capital Management, LLC $7.5M 677K 4.3% ▲ 9.9%
Two Sigma Investments, LP $6.6M 592K 3.8% ▲ 4.7%
Renaissance Technologies LLC $6M 542K 3.4% ▲ 0.6%
State Street Corp $5.7M 510K 3.2% ▲ 0.8%
Arrowstreet Capital, Limited Partnership $5.1M 456K 2.9% ▲ 43.3%
Bridgeway Capital Management, LLC $3.4M 304K 1.9% ▲ 5.5%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not American Coastal Insurance Corp's complete shareholder register. Values are as reported by the filers ; 2 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Recent insider open-market transactions
Insider Date Trade Shares Price Value
Adler Brooke Secretary September 24, 2026 Sell 21,196 $9.06 $192,036
Martz Brad President & CEO September 22, 2026 Buy 10,000 $9.15 $91,500
Griffith Christopher Chief Operating Officer August 17, 2026 Sell 22,000 $9.40 $206,800
Griffith Christopher Chief Operating Officer August 17, 2026 Sell 19,672 $9.41 $185,114
Davis Kern Michael Director March 20, 2026 Buy 100 $11.05 $1,105
Davis Kern Michael Director March 19, 2026 Buy 200 $11.12 $2,224
Davis Kern Michael Director March 18, 2026 Buy 200 $11.23 $2,246
Davis Kern Michael Director March 18, 2026 Buy 200 $11.25 $2,250
Davis Kern Michael Director March 4, 2026 Buy 700 $11.71 $8,197
Crawford Troy J Chief Underwriting Officer February 23, 2026 Buy 3,200 $11.09 $35,488
Griffith Christopher Chief Operating Officer November 10, 2025 Sell 18,409 $11.86 $218,331

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 27, 2027 estimated from the company's past filing pattern, not announced

  • October 29, 2026
  • August 5, 2026
  • May 5, 2026
  • February 19, 2026
  • November 5, 2025
  • August 6, 2025

Recent SEC filings

Data status

When each part of this page on American Coastal Insurance Corp was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

American Coastal Insurance Corp in brief

What does American Coastal Insurance Corp do?
American Coastal Insurance Corp is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.
What is American Coastal Insurance Corp's stock ticker?
American Coastal Insurance Corp trades under the ticker ACIC on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is American Coastal Insurance Corp's revenue, and how fast is it growing?
Over its most recent trailing twelve months, American Coastal Insurance Corp reported revenue of $331M, 3.3% higher than a year earlier, according to its SEC filings.
What is American Coastal Insurance Corp's free cash flow?
American Coastal Insurance Corp's free-cash-flow margin is -9.4% of revenue over the trailing twelve months.
Who are American Coastal Insurance Corp's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Tieton Capital Management, LLC and Vanguard Capital Management LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is American Coastal Insurance Corp's market cap?
On November 2, 2026, American Coastal Insurance Corp's market capitalisation was about $542M, with a price-to-earnings ratio of 5.4 and net debt of -$69.4M. Market figures come from third-party market data and may be delayed.
Who are American Coastal Insurance Corp's competitors?
In our Property & Casualty Insurance peer group, the companies closest to American Coastal Insurance Corp are Amerisafe Inc, Octave Specialty Group Inc, Investors Title Co, NI Holdings, Inc. and Kingstone Companies, Inc. The side-by-side comparison below sets their revenue, margins and growth against American Coastal Insurance Corp's.
Are insiders buying or selling American Coastal Insurance Corp stock?
Over the last 12 months, American Coastal Insurance Corp's directors and officers reported 7 open-market purchases and 4 sales on Form 4. The insider trading page charts every trade.
When is American Coastal Insurance Corp's next earnings date?
Around January 27, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — American Coastal Insurance Corp announces its own schedule.