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AMERICAN COASTAL INSURANCE C

ACICNASDAQ
πŸ† #3043 by market capUS Equity
$364.28β–Ό $21.86 (βˆ’6.00%)
Simulated price
πŸ””
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24hβ–Ό 6.0%
7dβ–² 3896.5%
14dβ–² 3868.2%
30dβ–² 3752.8%
ytdβ–² 2784.2%
1yβ–² 3105.3%
🏦Market Cap
$456M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+13.1%
Healthy
πŸ“ŠGross Margin
70.0%
High
πŸ’΅FCF Margin
-9.4%
Thin
βš–οΈP/S Ratio
1.4x
Cheap
Otter Score
92
Very Good

Trading Snapshot

Day Range
$360.85 – $371.04
52-Week Range
$9.03 – $13.06
Volume
$1.64B
Avg Volume
$1.88B
Shares Outstanding
48.5M
Next Earnings
Dec 4, 2026

Fundamentals Snapshot

Annual Revenue
$335M
Last Q Revenue
$82M
P/E Ratio
4.5
P/S Ratio
1.4x
EPS (TTM)
$2.08
Dividend Yield
7.98%
Dilution (1yr)
+1.0%

Why Investors Own ACIC

  • βœ“High-growth profile β€” revenue up +36.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 63% gross margin and 22% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ACIC logo

AMERICAN COASTAL INSURANCE C

ACIC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$335Mβ–² +13.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
86.3%β–² +63.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$143Mβ–² +27.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$71Mβ–Ό βˆ’70.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
49.9Mβ–² +1.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$46Mβ–² +$62M YoY
StockOtter Β· stockotter.space

About AMERICAN COASTAL INSURANCE C

American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
92/100

Analyst Price Target

β“˜
Average Target
$478.28
β–² +31.3% Upside
High Target$585.89
Low Target$414.02
Based on 11 analysts

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