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Home CompaniesAmerican Coastal Insurance Corp

American Coastal Insurance Corp

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
10.04 USD -0.23 ( 2.19%)
Last update at 2026-11-06T21:26:00Z
VOLUME
204189
Market Cap
432.04M
P/E
4.52

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
10.02
Low
10.22
High
52 Week Price Range
9.10
Low
12.30
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

American Coastal Insurance Corp (NASDAQ: ACIC) is a publicly traded company that appears to focus on property and casualty insurance for U.S. coastal risks. Growth drivers may include higher pricing in a hard market and steady demand for coastal property coverage; investors may view this as exposure to insurance-market tightening.

Key risks are heavy catastrophe and regional concentration exposure, volatile reinsurance and underwriting results, regulatory sensitivity, and limited public financial disclosure.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
10.27
Dividend Yield
-
Revenue TTM
330.59M
Revenue Per Share
6.82
Gross Profit TTM
187.19M
Debt / Equity
0.49
ROE
31.65%
Net Debt
-865.88M
ROCE
13.41%
Diluted EPS TTM
2.02

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 142.73M 101.66M 96.08M -442.62M -83.86M
Minority interest - 0.00M 0.00M 0.11M 1.95M
Net income 106.84M 75.72M 309.91M -468.00M -57.92M
Selling general administrative 23.62M 36.98M 31.78M 63.32M 57.21M
Selling and marketing expenses - - 10.24M - -
Gross profit 289.40M 156.35M 141.56M 455.42M 634.53M
Reconciled depreciation 6.57M 8.87M 8.63M 23.31M 11.77M
Ebit 153.55M 113.66M 106.95M -459.97M -106.10M
Ebitda 174.15M 122.52M 117.58M -436.65M -94.33M
Depreciation and amortization 20.60M 8.87M 10.63M 23.31M 11.77M
Non operating income net other - - - -46.20M -18.08M
Operating income 142.73M 111.59M 96.08M -459.97M -106.10M
Other operating expenses 192.71M 185.06M 167.60M 898.05M 718.38M
Interest expense 10.81M 12.00M 10.88M 9.61M 9.39M
Tax provision 35.94M 25.34M 8.07M 25.48M -23.99M
Net interest income -10.81M -12.00M -10.69M -9.61M -9.39M
Income tax expense 35.94M 25.34M 10.88M 25.48M -23.99M
Total revenue 335.44M 296.66M 263.68M 455.42M 634.53M
Total operating expenses 146.66M 44.76M 45.48M -915.39M -740.62M
Cost of revenue 46.04M 140.31M 122.11M 690.89M 487.78M
Total other income expense net -0.44M -9.93M -154.84M 17.45M 24.19M
Net income from continuing ops 106.80M 76.32M -363.84M -468.11M -59.87M
Net income applicable to common shares - - - -469.86M -57.92M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 834.83M 1216.11M 572.68M 2839.35M 2698.57M
Intangible assets 3.47M 5.91M 9.32M 12.77M 18.38M
Other current assets -1671.85M -595.03M 228.40M 1688.19M -77.88M
Total liab 517.26M 980.45M 403.92M 3019.53M 2366.62M
Total stockholder equity 317.56M 235.66M 168.76M -180.18M 312.41M
Other current liab -319.94M -169.27M -46.16M -134.40M -324.88M
Common stock 0.01M 0.01M 0.01M 0.00M 0.00M
Capital stock 0.01M 0.01M 0.01M 0.00M 0.00M
Retained earnings -114.51M -184.77M -237.39M -544.44M -74.90M
Other liab - - - 238.21M 153.85M
Good will 59.48M 59.48M 59.48M 59.48M 73.05M
Other assets - 1216.11M - 7.35M -77.88M
Cash 1021.50M 137.04M 171.83M 229.89M 212.02M
Total current liabilities - 71.10M 29.44M 134.40M 324.88M
Current deferred revenue 139.92M - -0.60M - -
Net debt -865.88M 15.31M -22.37M -75.73M -53.53M
Short term debt 0.40M 0.34M 0.60M - 158.50M
Short long term debt total 155.62M 152.34M 149.46M 154.16M 158.50M
Other stockholder equity 439.31M 436.09M 423.29M 395.20M 393.84M
Property plant equipment - - - 19.59M 31.56M
Total current assets 363.30M 355.03M 228.40M 2324.68M 1951.91M
Long term investments 342.05M 317.80M 180.70M 415.48M 701.56M
Net tangible assets - - - -254.28M 220.99M
Short term investments 943.20M 148.01M 7.19M 376.46M 663.60M
Net receivables 70.45M 309.98M 388.38M 1718.33M 1076.29M
Long term debt 149.35M 149.02M 148.69M 152.47M 156.56M
Inventory - - -722.84M - -
Accounts payable 179.62M 169.27M 75.60M 134.40M 324.88M
Noncontrolling interest in consolidated entity - - - - 19.55M
Accumulated other comprehensive income -7.24M -15.67M -17.14M -30.95M -6.53M
Common stock total equity - - - 0.00M 0.00M
Retained earnings total equity - - - -546.30M -74.90M
Treasury stock - - - -0.43M -0.43M
Non currrent assets other 172.02M -388.92M 250.90M -507.32M -824.54M
Non current assets total 471.53M 142.80M 344.28M 507.32M 824.54M
Capital lease obligations 3.13M 3.32M 0.78M 1.69M 1.93M
Long term debt total - - - 152.47M 156.56M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -3.72M -179.21M 167.59M 225.54M 274.18M
Change to liabilities - - - -305.90M -93.97M
Total cashflows from investing activities 0.62M -179.21M -2.54M 236.84M 251.38M
Net borrowings - 0.00M 0.00M -4.44M -1.82M
Total cash from financing activities -1.08M -13.84M 26.77M -25.39M -12.21M
Change to operating activities - - - 317.71M -132.99M
Net income -618.20M 75.72M 309.91M -469.97M -59.87M
Change in cash 93.46M 50.46M -111.78M 38.33M -56.22M
Begin period cash flow 222.29M 171.83M 283.61M 245.28M 301.50M
End period cash flow 292.85M 222.29M 171.83M 283.61M 245.28M
Total cash from operating activities 71.03M 243.51M -136.00M -173.11M -295.39M
Issuance of capital stock 0.77M 11.62M 26.79M - -
Depreciation 20.60M 8.87M 10.63M 23.31M 11.77M
Other cashflows from investing activities 1150.42M -179.19M - -6.90M -17.53M
Dividends paid 0.00M 24.10M 0.00M -2.59M -10.35M
Change to account receivables 109.83M 76.48M 16.05M -641.08M -167.72M
Sale purchase of stock - -1.36M -0.02M - -
Other cashflows from financing activities -1.85M -1.36M -0.02M -18.36M -0.04M
Change to netincome - - - 35.03M -24.95M
Capital expenditures 0.15M 0.02M 0.20M 3.05M 5.27M
Change receivables - - - -423.24M -212.38M
Cash flows other operating - - - 1012.09M 12.31M
Cash and cash equivalents changes - - - 38.33M -56.22M
Change in working capital -54.85M 160.62M -238.22M 210.00M -218.84M
Stock based compensation 223.50M 2.54M 1.32M 1.39M 1.19M
Other non cash items 499.98M -1.88M -234.08M 38.01M -6.83M
Free cash flow 70.87M 243.49M -136.20M -176.16M -300.66M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
ACIC
American Coastal Insurance Corp		 -0.23
2.19%		 10.04 4.52 7.31 1.31 1.30 1.14
CB
Chubb Ltd		 -6.61
1.78%		 365.02 12.11 11.83 2.13 1.75 2.45
PGR
Progressive Corp		 -5.41
2.32%		 227.77 11.10 13.55 1.41 3.74 1.50
TKOMF
Tokio Marine Holdings Inc.		 -
-%		 3.80 28.94 12.24 0.01 1.87 1.61
TKOMY
Tokio Marine Holdings Inc		 -0.14
3.59%		 3.63 28.73 12.25 0.01 1.87 1.61

Profile*

American Coastal Insurance Corp

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.

570 Carillon Parkway, Saint Petersburg, FL, United States, 33716

727 633 0851

https://www.amcoastal.com

68

Name Title Year Born
Mr. Robert Daniel Peed Chairman & CEO 1963
Mr. Bennett Bradford Martz CPA Pres & CFO 1971
Mr. Christopher Lee Griffith COO, VP & Chief Information Officer 1976
Ms. Brooke Eileen Adler Interim Gen. Counsel & Corp. Sec. 1977
Mr. Antonio Gonzalez Sr. VP of Sales & Agency Relations NA
Mr. John R. H. Henley Sr. VP of Claims NA
Mr. Bennett Bradford Martz CPA President 1971
Ms. Brooke Eileen Adler General Counsel & Corporate Secretary 1977
Ms. Svetlana Castle C.P.A., J.D. Chief Financial Officer 1982
Mr. James Andrew Gray Jr., C.P.A. Chief Compliance & Risk Officer 1963

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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