AMERICAN COASTAL INSURANCE C (ACIC)
US9107101027 - Common Stock
Overall ACIC gets a fundamental rating of 5 out of 10. We evaluated ACIC against 141 industry peers in the Insurance industry. ACIC has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on ACIC.
1. Profitability
1.1 Basic Checks
In the past year ACIC was profitable.
In the past year ACIC had a positive cash flow from operations.
ACIC had negative earnings in 4 of the past 5 years.
In the past 5 years ACIC reported 4 times negative operating cash flow.
1.2 Ratios
The Return On Assets of ACIC (7.44%) is better than 89.93% of its industry peers.
ACIC's Return On Equity of 32.77% is amongst the best of the industry. ACIC outperforms 94.24% of its industry peers.
With an excellent Return On Invested Capital value of 10.44%, ACIC belongs to the best of the industry, outperforming 94.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.44% | ||
| ROE | 32.77% | ||
| ROIC | 10.44% |
ROA(3y)3.49%
ROA(5y)1.17%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ACIC has a Profit Margin of 30.14%. This is amongst the best in the industry. ACIC outperforms 92.09% of its industry peers.
ACIC's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 44.04%, ACIC belongs to the best of the industry, outperforming 96.40% of the companies in the same industry.
In the last couple of years the Operating Margin of ACIC has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.04% | ||
| PM (TTM) | 30.14% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y114.67%
PM growth 3YN/A
PM growth 5Y382.3%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ACIC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
ACIC has more shares outstanding than it did 1 year ago.
ACIC has more shares outstanding than it did 5 years ago.
ACIC has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ACIC is 0.51, which is an excellent value as it means it would take ACIC, only 0.51 years of fcf income to pay off all of its debts.
ACIC's Debt to FCF ratio of 0.51 is amongst the best of the industry. ACIC outperforms 82.73% of its industry peers.
A Debt/Equity ratio of 0.57 indicates that ACIC is somewhat dependend on debt financing.
ACIC has a Debt to Equity ratio of 0.57. This is in the lower half of the industry: ACIC underperforms 76.98% of its industry peers.
Even though the debt/equity ratio score it not favorable for ACIC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.57 | ||
| Debt/FCF | 0.51 | ||
| Altman-Z | N/A |
ROIC/WACC1.2
WACC8.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 139.52% over the past year.
The Earnings Per Share has been growing by 54.17% on average over the past years. This is a very strong growth
The Revenue for ACIC has decreased by -17.43% in the past year. This is quite bad
ACIC shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -16.92% yearly.
EPS 1Y (TTM)139.52%
EPS 3YN/A
EPS 5Y54.17%
EPS Q2Q%58.82%
Revenue 1Y (TTM)-17.43%
Revenue growth 3Y-30.31%
Revenue growth 5Y-16.92%
Sales Q2Q%26.87%
3.2 Future
ACIC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.91% yearly.
The Revenue is expected to grow by 5.68% on average over the next years.
EPS Next Y-24.35%
EPS Next 2Y-14.44%
EPS Next 3Y-7.91%
EPS Next 5YN/A
Revenue Next Year-3.34%
Revenue Next 2Y4.36%
Revenue Next 3Y5.68%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.59, which indicates a rather cheap valuation of ACIC.
Compared to the rest of the industry, the Price/Earnings ratio of ACIC indicates a somewhat cheap valuation: ACIC is cheaper than 76.26% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of ACIC to the average of the S&P500 Index (27.40), we can say ACIC is valued rather cheaply.
The Price/Forward Earnings ratio is 7.88, which indicates a rather cheap valuation of ACIC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ACIC indicates a somewhat cheap valuation: ACIC is cheaper than 71.22% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of ACIC to the average of the S&P500 Index (23.67), we can say ACIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.59 | ||
| Fwd PE | 7.88 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ACIC is valued cheaper than 84.89% of the companies in the same industry.
85.61% of the companies in the same industry are more expensive than ACIC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2 | ||
| EV/EBITDA | 4.13 |
4.3 Compensation for Growth
ACIC has a very decent profitability rating, which may justify a higher PE ratio.
ACIC's earnings are expected to decrease with -7.91% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.12
EPS Next 2Y-14.44%
EPS Next 3Y-7.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.07%, ACIC is a good candidate for dividend investing.
ACIC's Dividend Yield is rather good when compared to the industry average which is at 3.09. ACIC pays more dividend than 82.01% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, ACIC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
5.2 History
ACIC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y-14.44%
EPS Next 3Y-7.91%
AMERICAN COASTAL INSURANCE C
NASDAQ:ACIC (1/6/2025, 8:17:08 PM)
After market: 12.08 +0.02 (+0.17%)12.06
-0.22 (-1.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners23.51%
Inst Owner ChangeN/A
Ins Owners18.76%
Ins Owner Change0.11%
Market Cap581.29M
Analysts82.86
Price Target16.32 (35.32%)
Short Float %3.35%
Short Ratio3.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)40.99%
Min EPS beat(2)30.72%
Max EPS beat(2)51.26%
EPS beat(4)4
Avg EPS beat(4)65.03%
Min EPS beat(4)30.72%
Max EPS beat(4)96.08%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-11.63%
Min Revenue beat(2)-13.59%
Max Revenue beat(2)-9.66%
Revenue beat(4)1
Avg Revenue beat(4)-5.82%
Min Revenue beat(4)-13.59%
Max Revenue beat(4)7.96%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-75.56%
EPS NY rev (1m)0%
EPS NY rev (3m)6.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-17.16%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-4.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.59 | ||
| Fwd PE | 7.88 | ||
| P/S | 2.06 | ||
| P/FCF | 2 | ||
| P/OCF | 2 | ||
| P/B | 2.24 | ||
| P/tB | 3 | ||
| EV/EBITDA | 4.13 |
EPS(TTM)1.83
EY15.17%
EPS(NY)1.53
Fwd EY12.69%
FCF(TTM)6.03
FCFY50.03%
OCF(TTM)6.03
OCFY50.03%
SpS5.85
BVpS5.39
TBVpS4.02
PEG (NY)N/A
PEG (5Y)0.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.44% | ||
| ROE | 32.77% | ||
| ROCE | 11.68% | ||
| ROIC | 10.44% | ||
| ROICexc | 12.61% | ||
| ROICexgc | 24.6% | ||
| OM | 44.04% | ||
| PM (TTM) | 30.14% | ||
| GM | N/A | ||
| FCFM | 103.04% |
ROA(3y)3.49%
ROA(5y)1.17%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5Y144.45%
ROICexc growth 3YN/A
ROICexc growth 5Y114.22%
OM growth 3YN/A
OM growth 5Y114.67%
PM growth 3YN/A
PM growth 5Y382.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.25
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.57 | ||
| Debt/FCF | 0.51 | ||
| Debt/EBITDA | 1.1 | ||
| Cap/Depr | 0.06% | ||
| Cap/Sales | 0% | ||
| Interest Coverage | 11.39 | ||
| Cash Conversion | 215.21% | ||
| Profit Quality | 341.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.67%
ROIC/WACC1.2
Cap/Depr(3y)19.88%
Cap/Depr(5y)68.06%
Cap/Sales(3y)0.52%
Cap/Sales(5y)1.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)139.52%
EPS 3YN/A
EPS 5Y54.17%
EPS Q2Q%58.82%
EPS Next Y-24.35%
EPS Next 2Y-14.44%
EPS Next 3Y-7.91%
EPS Next 5YN/A
Revenue 1Y (TTM)-17.43%
Revenue growth 3Y-30.31%
Revenue growth 5Y-16.92%
Sales Q2Q%26.87%
Revenue Next Year-3.34%
Revenue Next 2Y4.36%
Revenue Next 3Y5.68%
Revenue Next 5YN/A
EBIT growth 1Y158.19%
EBIT growth 3YN/A
EBIT growth 5Y78.35%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y200.9%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y202.47%
OCF growth 3YN/A
OCF growth 5YN/A