American Coastal Insurance Corporation
ACICFinancial ServicesNASDAQInsurance - Property & Casualty
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Daily timeframeHeadquartered within the financial services sector, American Coastal Insurance Corporation focuses on Insurance - Property & Casualty services and products. American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. With a market capitalization of $506.4M, it sits in small-cap territory. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners.
Market Cap
$506.4M
Beta
-0.47
P/E (TTM)
4.88
P/E (Fwd)
8.71
EPS (TTM)
$2.14
EPS (Fwd)
$1.20
ROE
35.9%
ROA
8.6%
Cash
$138.3M
Total Debt
$152.5M
Free CF
-$18.0M
52W Change
-7.4%
Annual Financials
Cash vs Debt
American Coastal Insurance Corporation carries $152.5M in total debt against $138.2M in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. Free cash flow is running at -$18.0M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of 35.9% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 8.6% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $220.8M (2022) to $335.0M (2025), reflecting a 52% increase over the period.
ACIC's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence American Coastal Insurance Corporation's trajectory.