American Coastal Insurance Corporation
ACICFinancial ServicesNASDAQInsurance - Property & Casualty
Scan Results
Daily timeframeAmerican Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. At a $496.8M market cap, American Coastal Insurance Corporation ranks as a small-cap company within financial services. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners.
Market Cap
$496.8M
Beta
-0.52
P/E (TTM)
4.83
P/E (Fwd)
10.10
EPS (TTM)
$2.12
EPS (Fwd)
$1.01
ROE
35.9%
ROA
8.6%
Cash
$138.3M
Total Debt
$152.5M
Free CF
-$18.0M
52W Change
-5.1%
Annual Financials
Cash vs Debt
The company holds $138.2M in cash, though total debt stands at $152.5M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. The company is burning cash, with free cash flow at -$18.0M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. Return on equity stands at 35.9%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
The relatively low beta of -0.52 suggests ACIC is a less volatile holding compared to the broader index. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. No single metric tells the full story. Reviewing ACIC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.