A

    American Coastal Insurance Corp (ACIC)

    Official site

    FINANCIAL SERVICES • INSURANCE - PROPERTY & CASUALTY • NASDAQ

    $9.47
    -0.03 (-0.32%)

    Market Cap: $447.64M

    Last updated: Sep 01, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    40%(16/40)
    Avg Surprise
    -77.23%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.03
    Range$-0.05 - $0.10
    2 analysts
    EPS RevisionsNo revisions (7d)No revisions (30d)
    EPS Estimate Drift
    90d ago$0.14+440.0%
    60d ago$-0.13-600.0%
    30d ago$-0.13-600.0%
    7d ago$-0.13-600.0%
    Current$0.03
    Revenue Consensus
    $69M
    Range$69M - $69M
    1 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.04
    Range$0.01 - $0.07
    2 analysts
    Revenue Consensus
    $76M
    Range$76M - $76M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.04---
    Sep 26EST
    		-$0.03---
    Jun 26
    Reported Aug 5
    		$0.33$0.42-21.43%Miss-38.9%
    Mar 26
    Reported May 5
    		$0.39$0.44-11.36%Miss-9.3%
    Dec 25
    Reported Feb 19
    		$0.53$0.43+23.26%Beat+341.7%
    Sep 25
    Reported Nov 5
    		$0.61$0.39+56.41%Beat+13.0%
    Jun 25
    Reported Aug 6
    		$0.54$0.38+42.11%Beat+35.0%
    Mar 25
    Reported May 8
    		$0.43$0.41+4.88%Beat-14.0%
    Dec 24
    Reported Feb 27
    		$0.12$0.16-25.00%Miss-69.2%
    Sep 24
    Reported Nov 6
    		$0.54$0.35+54.29%Beat+125.0%
    Jun 24
    Reported Aug 7
    		$0.40$0.30+33.33%Beat-38.5%
    Mar 24
    Reported May 9
    		$0.50$0.25+100.00%Beat-29.6%
    Dec 23
    Reported Feb 29
    		$0.39$0.21+85.71%Beat+106.2%
    Sep 23
    Reported Nov 13
    		$0.24$-0.17+241.18%Beat+117.9%
    Jun 23
    Reported Aug 10
    		$0.65$-0.20+425.00%Beat+143.6%
    Mar 23
    Reported May 15
    		$0.71$-0.25+384.00%Beat+204.4%
    Dec 22
    Reported Mar 2
    		$-6.33$-0.24-2537.50%Miss-31550.0%
    Sep 22
    Reported Nov 10
    		$-1.34$-0.85-57.65%Miss-272.2%
    Jun 22
    Reported Aug 10
    		$-1.49$-0.22-577.27%Miss-161.4%
    Mar 22
    Reported May 9
    		$-0.68$0.19-457.89%Miss-51.1%
    Dec 21
    Reported Feb 23
    		$-0.02N/A-110.53%Miss+98.5%
    Sep 21
    Reported Nov 12
    		$-0.36$-0.33-9.09%Miss+81.5%
    Jun 21
    Reported Aug 16
    		$-0.57$-0.13-338.46%Miss-385.0%
    Mar 21
    Reported May 24
    		$-0.45$-0.14-221.43%Miss-314.3%
    Dec 20
    Reported Mar 8
    		$-1.35$-1.29-4.65%Miss-275.0%
    Sep 20
    Reported Dec 7
    		$-1.95$-1.90-2.63%Miss-186.8%
    Jun 20
    Reported Aug 5
    		$0.20$0.02+900.00%Beat+350.0%
    Mar 20
    Reported May 6
    		$0.21$0.26-19.23%Miss+200.0%
    Dec 19
    Reported Feb 20
    		$-0.36$0.32-212.50%Miss-1700.0%
    Sep 19
    Reported Oct 30
    		$-0.68$-0.60-13.33%Miss-94.3%
    Jun 19
    Reported Jul 31
    		$-0.08$0.07-214.29%Miss-122.2%
    Mar 19
    Reported May 7
    		$0.07N/A-80.00%Miss-82.5%
    Dec 18
    Reported Mar 31
    		$-0.02N/A-128.57%Miss-103.2%
    Sep 18
    Reported Nov 1
    		$-0.35$0.16-318.75%Miss+30.0%
    Jun 18
    Reported Aug 1
    		$0.36$0.34+5.88%Beat+111.8%
    Mar 18
    Reported May 8
    		$0.40$0.37+8.11%Beat+122.2%
    Dec 17
    Reported Mar 31
    		$0.63$0.49+28.57%Beat+228.6%
    Sep 17
    Reported Nov 6
    		$-0.50$-0.73+31.51%Beat-412.5%
    Jun 17
    Reported Aug 8
    		$0.17$0.28-39.29%Miss-
    Mar 17
    Reported May 9
    		$0.18$0.34-47.06%Miss-
    Dec 16
    Reported Mar 31
    		$-0.49$-0.40-22.50%Miss-
    Sep 16
    Reported Nov 1
    		$0.16$0.28-42.86%Miss-

    Dividends

    Dividend Metrics

    Yield0.00%
    Annual/Share$0.00
    Payout Ratio0.00%
    Pay MonthsJan
    View ACIC's full dividend history

    Key Metrics

    Valuation
    P/E Ratio5.09EV/EBITDAN/A
    Price/FCF-9.09xFCF Yield-11.00%
    Profitability
    Profit Margin30.30%Operating Margin37.30%
    ROE31.70%ROIC21.98%
    Financial Health
    Debt/Equity0.44xInterest Coverage14.23x
    Current Ratio1.22xQuick Ratio1.22x
    Trading Statistics
    Beta-0.46Avg Volume292.12K
    52-Week High$12.3052-Week Low$9.10

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$9.40
    SMA 20$9.77
    SMA 50$10.40
    SMA 200$11.01
    EMA 10$9.50
    EMA 20$9.72
    EMA 50$10.16
    EMA 200$10.76

    MACD

    Line: -0.29Signal: -0.31Hist: 0.01

    ADX

    ADX: 32.4+DI: 17.0-DI: 32.7

    Aroon & PSAR

    Aroon Up32.0
    Aroon Down76.0
    PSAR$9.95

    Bollinger Bands

    Upper Band$10.83
    Lower Band$8.71
    %B Position2170%(Upper)
    Band Width0.36

    RSI (14-Day)

    Neutral
    39.9

    Momentum Oscillators

    Stoch %K38.5
    Stoch %D30.3
    Williams %R-57.0
    ROC (10d)0.2%
    Momentum0.02
    CCI (20d)-53.5
    MFI (14d)34.2

    Volatility Measures

    ATR (14d)$0.30(3.1%)
    StdDev (20d)0.53
    Hist Vol34.2%(Moderate)

    Volume Flow

    VWAP$9.46
    OBV3.5M
    AD Line-176.0M
    CMF (20d)-0.240

    Volume Metrics

    Avg Vol (20d)294.3K
    Vol Ratio1.1x
    VWMA (20d)$9.80

    Pivot Points

    R3$9.67
    R2$9.61
    R1$9.55
    Pivot Point$9.49
    S1$9.43
    S2$9.37
    S3$9.31

    Advanced Oscillators

    TSI-24.00
    Ultimate Osc51.8
    KST-114.87

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$82.49M$71.22M$86.38M$90.29M$86.36M$72.08M$79.05M$82.14M$68.69M$66.52M$58.21M$52.53M
    Cost of Revenue$42.81M$10.24M$9.90M$35.98M$40.17M$35.23M$56.31M$32.72M$29.69M$23.64M$27.00M$23.43M
    Gross Profit$39.67M$60.98M$76.47M$54.31M$46.19M$36.85M$22.74M$49.42M$39.01M$42.88M$31.21M$29.10M
    Operating Expenses$11.27M$35.23M$39.86M$11.94M$8.64M$10.66M$13.85M$12.90M$14.12M$11.51M$11.63M$11.05M
    R&D$0$0$0$120.70M$0$103.70M$178.10M$89.80M$89.80M$0$0$0
    SG&A$8.13M$8.18M$4.42M$8.26M$4.72M$6.22M$9.77M$8.17M$8.74M$7.46M$7.98M$6.01M
    Operating Income$28.40M$25.75M$36.62M$42.37M$37.55M$26.19M$8.89M$36.52M$24.89M$31.37M$19.59M$18.06M
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$2.34M$2.34M$2.66M$2.72M$2.72M$2.72M$2.78M$3.07M$3.43M$2.72M$2.72M$2.72M
    Income Before Tax$28.40M$25.75M$36.62M$42.37M$37.55M$26.19M$8.89M$36.52M$24.89M$31.37M$19.59M$18.06M
    Income Tax Expense$6.51M$6.50M$10.05M$9.89M$9.52M$6.48M$3.02M$8.85M$5.81M$7.66M$2.48M$3.04M
    Net Income$21.90M$19.25M$26.56M$32.48M$26.44M$21.35M$4.95M$28.12M$19.05M$23.60M$14.28M$10.57M
    EBITDA$31.50M$28.96M$45.88M$46.72M$41.96M$30.63M$13.93M$42.08M$30.26M$36.26M$26.54M$22.89M
    EBIT$30.75M$28.10M$39.28M$45.09M$40.27M$28.91M$11.67M$39.58M$28.31M$34.09M$22.30M$20.77M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Connor Clark & Lunn Investment Management Ltd. Buys New Stake in American Coastal Insurance Corporation $ACIC

    Connor Clark & Lunn Investment Management Ltd. has acquired a new stake of 122,583 shares, valued at approximately $1.36 million, in American Coastal Insurance Corporation (NASDAQ:ACIC), representing 0.26% of the company. Institutional investors now own 22.11% of ACIC. Analysts currently rate ACIC as a "Hold" with an average price target of $13.00, despite the company missing its recent quarterly EPS estimates.

    MarketBeat•8/31/26•
    Neutral

    American Coastal Insurance at Midwest IDEAS: growth plan meets discipline

    American Coastal Insurance Corporation (ACIC) presented at the 17th Annual Midwest IDEAS Conference, highlighting its strategy for growth in a softer Florida market while maintaining underwriting discipline. The company emphasized its consistent profitability, robust reinsurance program, and future expansion into excess and surplus lines with its new carrier, ACES. Despite a decline in gross premiums earned in the first half of 2026, ACIC reported a strong annualized return on equity and remains well-capitalized, with plans for share repurchases and special dividends.

    Investing.com•8/27/26•
    Bullish

    AmCoastal secures $25.5m Armor Re II 2026-2 cat bond cover, likely a retention buy-down

    American Coastal Insurance Company (AmCoastal) has issued a new $25.5 million Armor Re II Ltd. (Series 2026-2) catastrophe bond, which is believed to be a retention buy-down to reduce the insurer's first-event reinsurance retention. This issuance follows a previous $200 million cat bond earlier this year and aims to lower AmCoastal's first-event hurricane retention from $49 million to $23.5 million. The deal, likely placed privately due to its lower-layer nature and discounted structure, demonstrates the continued openness of capital markets to hurricane risk even during the hurricane season.

    Artemis.bm•8/27/26•
    Neutral

    American Coastal returns to cat bond market with $25.5M Florida storm deal

    American Coastal Insurance Company has issued a $25.5 million catastrophe bond, Armor Re II Ltd. Series 2026-2, to cover Florida named storm risk. This deal follows a reduction in the company's first-event retention due to additional reinsurance purchases and highlights the growing reliance of Florida-focused insurers on capital markets for fully collateralized reinsurance.

    Dealroom•8/27/26•
    Somewhat-Bullish

    Punch & Associates Investment Management Inc. Invests $8.98 Million in American Coastal Insurance Corporation $ACIC

    Punch & Associates Investment Management Inc. has acquired a new stake in American Coastal Insurance Corporation (NASDAQ:ACIC) worth approximately $8.98 million, purchasing 808,705 shares during the second quarter. This investment gives them a 1.71% ownership in the company. Despite American Coastal missing quarterly EPS estimates, institutional investors and hedge funds collectively own a significant 22.11% of the stock, which currently holds a consensus "Hold" rating from analysts.

    MarketBeat•8/27/26•
    Somewhat-Bearish

    Frequently Asked Questions About ACIC

    Does ACIC pay dividends?
    American Coastal Insurance Corp (ACIC) has a dividend payment track record. See the ACIC dividend history page for its current payment status, yield, and streaks.
    What is ACIC's P/E ratio?
    American Coastal Insurance Corp has a price-to-earnings (P/E) ratio of 5.09.
    What is ACIC's market cap?
    American Coastal Insurance Corp (ACIC) has a market capitalization of $447.64M with a current stock price of $9.47.

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