# American Coastal Insurance Corporation (ACIC)

> Source: Nexqual · https://nexqual.com/ACIC · data as of 2026-10-29 20:00 UTC · cite as "Nexqual, American Coastal Insurance Corporation (ACIC), nexqual.com/ACIC" · informational, not investment advice.

**Price:** USD 10.93 (+0.55% on the day) · last close of Oct 29, 2026; US market after hours, not a live price. Prev close 10.87 · day 10.86–11.13 · 52w 9.01–13.06 · market cap $517M · NCM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $331M, net income $100M (30.3% margin), free cash flow -$31.0M (SEC filings).
- Valuation: P/E 5.2x (avg 5.4x at the last 3 fiscal year-ends), EV/EBITDA 3.3x, net cash $69.4M.
- Analysts: Hold (mean 3.00 on a 1–5 scale) (1 analysts).
- Total return with dividends: 1Y -0.9% vs S&P 500 +14.4%; 5Y +225.8% vs S&P 500 +79.1%.
- Next earnings: 2026-10-29, EPS estimate USD 0.47, revenue estimate $0K.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $229M | $222M | $264M | $297M | $335M | $331M |
| Operating income | -$10.5M | -$8.7M | $93.9M | $99.6M | $140M | $133M |
| Net income | -$57.9M | -$470M | $310M | $75.7M | $107M | $100M |
| EPS (diluted) | -$1.35 | -$10.91 | $6.98 | $1.54 | $2.15 | — |
| Free cash flow | -$301M | -$176M | -$136M | $243M | $70.9M | -$31.0M |
| Operating margin | -4.6% | -3.9% | 35.5% | 33.6% | 41.8% | 40.2% |
| Net margin | -25.3% | -212.0% | 117.2% | 25.5% | 31.8% | 30.3% |
| Revenue growth | -73.0% | -3.1% | +19.3% | +12.2% | +13.1% | — |
| Cash + short-term investments | $212M | $70.9M | $139M | $137M | $199M | — |
| Total debt | $159M | $150M | $150M | $150M | $150M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 5.2x · P/S 1.6x · EV/EBITDA 3.3x · EV/Sales 1.4x · P/B 1.5x · FCF yield -6.01% · Earnings yield 19.39% · Net cash $69.4M · EV $447M
P/E at fiscal year-ends: Dec 2025 5.9x, Dec 2024 8.8x, Dec 2023 1.4x.

## Analysts
Consensus Hold (mean 3.00 on a 1–5 scale), 1 analysts.

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-30) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | -0.9% | +225.8% |
| S&P 500 (SPY) | +14.4% | +79.1% |
| Per year | -0.9% | +26.6% |
| Volatility (annualized) | 31.9% | 71.2% |
| Max drawdown | -26.2% (Dec 2025→Sep 2026) | -93.8% (Nov 2021→Nov 2022) |

## Peers (Insurance - Property & Casualty)
PRCH (Porch Group, Inc.) USD 20.89 +28.16% · HMN (Horace Mann Educators Corporati) USD 46.58 +1.70% · HCI (HCI Group, Inc.) USD 198.43 +1.63% · SKWD (Skyward Specialty Insurance Gro) USD 58.51 +0.95% · SLDE (Slide Insurance Holdings, Inc.) USD 27.54 +1.29% · LMND (Lemonade, Inc.) USD 45.94 +1.28%

## More
Full page: https://nexqual.com/ACIC · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in ACIC's own 10-K filed 2026-03-09 (https://www.sec.gov/Archives/edgar/data/1401521/000140152126000015/acic-20251231.htm):

| Relationship | Company | Sentence in the filing |
|---|---|---|
| Supplier | AmRisc | "Because we rely on insurance agents, the loss of these agent relationships, particularly our relationship with AmRisc, or our inability to attract and incentivize new agents could have an adverse impact on our business." |
| Partner | Skyway Underwriters | "Our apartment and assisted living facility policies are marketed and distributed by Skyway Underwriters through multiple wholesaler partners that specialize in commercial residential insurance." |
| Partner | Forza Insurance Holdings | "As described in Note 1, on May 9, 2024, we entered into the Sale Agreement with Forza in which ACIC agreed to sell and Forza agreed to acquire 100% of the issued and outstanding stock of IIC." |

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $0.47 | $-0.13 | +$0.59 | $0 | 1 |
| Next quarter (ends 2026-12-31) | $0.14 | $0.28 | -50.0% | $0 | 1 |
| Current fiscal year (ends 2026-12-31) | $1.33 | $0.96 | +38.5% | $381.7M | 1 |
| Next fiscal year (ends 2027-12-31) | $1.28 | $1.01 | +26.1% | $0 | 1 |

## Earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $0.33 | $0.42 | Miss −21.4% | — |
| — | Quarter ended Mar 31, 2026 | $0.39 | $0.44 | Miss −11.4% | — |
| — | Quarter ended Dec 31, 2025 | $0.52 | $0.42 | Beat +23.8% | — |
| — | Quarter ended Sep 30, 2025 | $0.61 | $0.39 | Beat +56.4% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

## Recent SEC filings (last 120 days)
| Filed | Form | What it says | Filing |
|---|---|---|---|
| 2026-10-29 | 8-K | Quarterly results; Regulation FD disclosure | https://www.sec.gov/Archives/edgar/data/1401521/000140152126000042/0001401521-26-000042-index.htm |
| 2026-10-02 | 8-K | Director or executive officer change, or pay arrangement — “On October 2, 2026, American Coastal Insurance Corporation (the "Company) announced that Mr. Christopher Griffith has resigned from the position of Chief Operating Officer and Chief Information Officer of the Company effective October 1, 2026, to pursue another opportunity.” | https://www.sec.gov/Archives/edgar/data/1401521/000140152126000039/0001401521-26-000039-index.htm |
| 2026-08-06 | 10-Q | Quarterly report · period ended Jun 30, 2026 | https://www.sec.gov/Archives/edgar/data/1401521/000140152126000037/0001401521-26-000037-index.htm |
| 2026-08-05 | 8-K | Quarterly results; Regulation FD disclosure | https://www.sec.gov/Archives/edgar/data/1401521/000140152126000035/0001401521-26-000035-index.htm |
Source: SEC EDGAR. Quotes are the opening words of each item as filed.