Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ACIC
HOLDFLAGAmerican Coastal Insurance Corporation · Financial Services · United States · $498M · Avg Vol: $3M/d
American Coastal Insurance has strong quality Q70 and value V68 with a buyback, but momentum at M34 is well below the calibrated floor, and a positive revision is not accepted corroboration, so stage one fails.
COMPANY DESCRIPTION
American Coastal Insurance Corporation underwrites and sells property and casualty insurance, primarily specializing in residential property coverage for high-value homes in Florida. The company navigates the challenging Florida insurance market by leveraging localized expertise, stringent underwriting, and robust reinsurance programs to manage catastrophe exposure. ACIC operates as a niche player focused on this specific, often volatile, regional market segment.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 220.8M | 263.7M | 296.4M | 335.0M | 14.9% | 334.5M | 309.9M | 325.8M | -1.4% |
| EPS | -10.91 | 7.11 | 1.59 | 2.20 | -44.4% | 2.14 | 1.12 | 1.64 | -13.7% |
| Shares | 43.3M | 46.8M | 48.2M | 48.8M | +12.7% | 48.5M | — | — | — |
| Debt | 150.0M | 149.4M | 152.3M | 152.5M | 0.5% | 152.5M | — | — | — |
| Equity | -182.0M | 168.8M | 235.7M | 317.6M | 37.2% | — | — | — | — |
| Op CF | -173.1M | -136.0M | 243.5M | 71.0M | -70.8% | 38.8M | — | — | — |
| Inv CF | 236.8M | -2.5M | -179.2M | 0.6M | — | — | — | — | — |
| Fin CF | -25.4M | 26.8M | -13.8M | -1.1M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ACIC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ACIC | American Coastal Insurance Corporation(you) | $498M | 63 | HOLD |
| GBLI | Global Indemnity Group, LLC | $394M | 61 | HOLD |
| DGICB | Donegal Group Inc. | $773M | 55 | HOLD |
| ROOT | Root, Inc. | $917M | 53 | HOLD |
| NODK | NI Holdings, Inc. | $325M | 49 | HOLD |
| HIPO | Hippo Holdings Inc. | $723M | 48 | HOLD |
| AII | American Integrity Insurance Group, Inc. | $366M | 86 | STRONG BUY |
| ASIC | Ategrity Specialty Insurance Company Holdings | $1.1B | 77 | BUY |
| BOW | Bowhead Specialty Holdings Inc. | $1.0B | 81 | STRONG BUY |
| STC | Stewart Information Services Corporation | $2.1B | 69 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%