What is American Coastal Insurance Corporation's (ACIC) StockRank?

MoatMap's StockRank for American Coastal Insurance Corporation (ACIC) is 61/100, with a Hold signal. This is a composite score combining Quality (68), Value (66), and Momentum (22) factor ranks across MoatMap's universe of 25,000+ stocks.

Does American Coastal Insurance Corporation have an economic moat?

American Coastal Insurance Corporation (ACIC) has a Quality factor score of 68/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is American Coastal Insurance Corporation a buy, hold, or sell?

MoatMap's current signal for American Coastal Insurance Corporation (ACIC) is Hold, based on a StockRank of 61/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is American Coastal Insurance Corporation in?

American Coastal Insurance Corporation (ACIC) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (United States).

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ACIC

HoldUnloved QualityFLAG

American Coastal Insurance Corporation · Financial Services · United States · $449M · Avg Vol: $3M/d

StockRank

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P/E (TTM)

4.7x

ROE

31.7%

D/E

0.4x

Dividend %

—

AI CONVICTION THESIS

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%	330.6M	295.9M	284.8M	-7.8%
EPS	-10.91	7.11	1.59	2.20	-44.4%	2.02	1.12	1.64	-13.7%
Shares	43.3M	46.8M	48.2M	48.8M	+12.7%	47.3M	—	—	—
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%	-30.6M	—	—	—
Inv CF	236.8M	-2.5M	-179.2M	0.6M	—	—	—	—	—
Fin CF	-25.4M	26.8M	-13.8M	-1.1M	—	—	—	—	—

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PRICE (1Y)-15.9%

SMA 50SMA 200

$9.29

RSI (14)

43.9

52W High

$12.30

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC (ROA)

6.9%*80.0

ROE

31.7%94.1

GP/Assets

17.4%84.4

Op. Margin

37.3%54.2

FCF/Assets

n/mN/A

Piotroski

446.2

Int. Cover

14.2x58.3

D/E Ratio

0.45x47.0

Current Ratio

1.08x32.1

Value

P/E (TTM)

4.7x92.7

EV/EBITDA

n/mN/A

P/FCF

n/mN/A

P/B

1.3x44.6

P/S

1.4x84.9

Div Yield

—N/A

Momentum

52W High %

76%21.5

RS 6M

-33%6.2

SMA 50/200

0.93x13.6

EPS Rev 4W

+7.4%93.1

EPS Rev 12W

-9.2%7.3

EPS Improve

-46%5.4

Q Growth

-17%16.8

FUNDAMENTALS

Market Cap

$449M

P/E (Forward)

8.8x

Gross Margin

56.6%

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)	$449M	61	Hold
GBLI	Global Indemnity Group, LLC	$434M	59	Hold
DGICA	Donegal Group Inc.	$714M	68	Buy
HIPO	Hippo Holdings Inc.	$876M	74	Buy
BOW	Bowhead Specialty Holdings Inc.	$1.1B	70	Buy
PRCH	Porch Group, Inc.	$2.0B	59	Hold
STC	Stewart Information Services Corporation	$2.1B	63	Hold
KINS	Kingstone Companies, Inc.	$290M	86	Strong Buy
ROOT	Root, Inc.	$874M	39	Hold
NODK	NI Holdings, Inc.	$310M	33	Sell

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

American Coastal Insurance Corporation (ACIC): Stock Score Summary

American Coastal Insurance Corporation (ACIC) has a MoatMap StockRank of 61/100 based on Quality (68/100), Value (66/100), and Momentum (22/100) factor scores. The current signal is HOLD. 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.

Key Financial Metrics

Price	$9.29
Market Cap	$449M
P/E (TTM)	4.72
P/E (Forward)	8.75
Price/Book	1.31
Return on Equity	31.7%
Debt/Equity	0.45x
Gross Margin	56.6%
Operating Margin	37.3%
Revenue Growth	-4.5%
Free Cash Flow	$71M

American Coastal Insurance Corporation operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is American Coastal Insurance Corporation’s (ACIC) StockRank?: MoatMap’s StockRank for American Coastal Insurance Corporation (ACIC) is 61/100, with a Hold signal. It is a composite of Quality (68), Value (66), and Momentum (22) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does American Coastal Insurance Corporation have an economic moat?: American Coastal Insurance Corporation (ACIC) has a Quality factor score of 68/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is American Coastal Insurance Corporation a buy, hold, or sell?: MoatMap’s current signal for American Coastal Insurance Corporation (ACIC) is Hold, based on a StockRank of 61/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is American Coastal Insurance Corporation in?: American Coastal Insurance Corporation (ACIC) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (United States).