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American Coastal Insurance

NAQ:ACIC · US9107101027
InsuranceSmall

360

71
Profit price86
Cash yield99
Price/Sales34
EV / Gross Profit75
Price/Book55
Returns on capital96
Profit margins96
Cash Conversion15
Accruals24
Owner Earnings Margin98
Sales growth4
Profit Growth42
Long-Term EPS Growth89
Owner Earnings Growth57
Reinvestment44
Price momentum53
Debt load15
Debt serviceability50
Liquidity48
Analyst ratings41
Opinion Changes50
Price Target Upside73
Market mood87
Value Creation18/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

American Coastal Insurance generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryInsurance
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Websiteupcinsurance.com
ISINUS9107101027
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
CommercialCommercial Real EstateRisk Management

Description

American Coastal Insurance Corporation (ACIC), a holding company, primarily engages in the commercial property and casualty insurance business with investments in the United States. The company conducts its business principally through its wholly ow…

Analysis

Quality compounder

American Coastal Insurance Corporation is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 4.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -15% yearly growth; analysts expect 3%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is adequate. The company scores 18/20 on our value-creation score: strong value creator.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
28
2023202420252026

All-time high

35

Jan 2025

All-time low

12

Mar 2026

Average rank

29

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
34
26
51
97
Price/Earnings
95
95
93
93
Price/Book
55
28
23
93
Dividend Yield
99
1
1
100
Value (overall)
92
35
26
100

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →