American Coastal Insurance Corporation
ACICFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Oct 27, 2026
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Daily timeframeAmerican 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 $523.7M, 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
$523.7M
Beta
-0.53
P/E (TTM)
5.51
P/E (Fwd)
8.66
EPS (TTM)
$2.01
EPS (Fwd)
$1.28
ROE
31.6%
ROA
6.9%
Cash
$235.6M
Total Debt
$152.5M
Free CF
-$50.3M
52W Change
-6.1%
Annual Financials
Cash vs Debt
Where ACIC stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, ACIC finished 6.18% above its 150-day moving average ($10.51) and 4.40% above its 200-day moving average ($10.69). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is ACIC overbought or oversold?
At the October 20, 2026 close, ACIC's RSI(14) was 85.3, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $235.6M in cash and $152.5M in debt, ACIC maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. The company is burning cash, with free cash flow at -$50.3M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. ROE of 31.6% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 6.9% 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.
With a beta below 0.7, American Coastal Insurance Corporation typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing ACIC.