AMERICAN COASTAL INSURANCE C (ACIC)
US9107101027 - Common Stock
We assign a fundamental rating of 4 out of 10 to ACIC. ACIC was compared to 140 industry peers in the Insurance industry. ACIC has a medium profitability rating, but doesn't score so well on its financial health evaluation. ACIC scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
ACIC had positive earnings in the past year.
In the past year ACIC had a positive cash flow from operations.
In the past 5 years ACIC reported 4 times negative net income.
In the past 5 years ACIC reported 4 times negative operating cash flow.
1.2 Ratios
The Return On Assets of ACIC (5.15%) is better than 84.89% of its industry peers.
ACIC has a Return On Equity of 30.28%. This is amongst the best in the industry. ACIC outperforms 95.68% of its industry peers.
With an excellent Return On Invested Capital value of 7.59%, ACIC belongs to the best of the industry, outperforming 88.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.15% | ||
| ROE | 30.28% | ||
| ROIC | 7.59% |
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 better Profit Margin (26.10%) than 93.53% of its industry peers.
ACIC's Profit Margin has improved in the last couple of years.
ACIC has a Operating Margin of 40.54%. This is amongst the best in the industry. ACIC outperforms 97.12% of its industry peers.
In the last couple of years the Operating Margin of ACIC has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.54% | ||
| PM (TTM) | 26.1% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ACIC is destroying value.
ACIC has more shares outstanding than it did 1 year ago.
ACIC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for ACIC is higher compared to a year ago.
2.2 Solvency
ACIC has a debt to FCF ratio of 0.43. This is a very positive value and a sign of high solvency as it would only need 0.43 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.43, ACIC belongs to the best of the industry, outperforming 87.05% of the companies in the same industry.
ACIC has a Debt/Equity ratio of 0.67. This is a neutral value indicating ACIC is somewhat dependend on debt financing.
ACIC has a worse Debt to Equity ratio (0.67) than 74.82% 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 | 0.67 | ||
| Debt/FCF | 0.43 | ||
| Altman-Z | N/A |
ROIC/WACC0.88
WACC8.58%
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
ACIC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -37.08%.
Measured over the past years, ACIC shows a very negative growth in Revenue. The Revenue has been decreasing by -16.92% on average per year.
EPS 1Y (TTM)139.52%
EPS 3YN/A
EPS 5Y54.17%
EPS Q2Q%58.82%
Revenue 1Y (TTM)-37.08%
Revenue growth 3Y-30.31%
Revenue growth 5Y-16.92%
Sales Q2Q%26.87%
3.2 Future
Based on estimates for the next years, ACIC will show a decrease in Earnings Per Share. The EPS will decrease by -7.91% on average per year.
ACIC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.80% yearly.
EPS Next Y-31.67%
EPS Next 2Y-14.44%
EPS Next 3Y-7.91%
EPS Next 5YN/A
Revenue Next Year-0.19%
Revenue Next 2Y6.19%
Revenue Next 3Y7.8%
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
A Price/Earnings ratio of 7.36 indicates a rather cheap valuation of ACIC.
ACIC's Price/Earnings ratio is a bit cheaper when compared to the industry. ACIC is cheaper than 74.82% of the companies in the same industry.
ACIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.20.
A Price/Forward Earnings ratio of 8.80 indicates a reasonable valuation of ACIC.
69.06% of the companies in the same industry are more expensive than ACIC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of ACIC to the average of the S&P500 Index (24.00), we can say ACIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.36 | ||
| Fwd PE | 8.8 |
4.2 Price Multiples
81.30% of the companies in the same industry are more expensive than ACIC, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, ACIC is valued cheaper than 87.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.87 | ||
| EV/EBITDA | 4.87 |
4.3 Compensation for Growth
The decent profitability rating of ACIC 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)0.14
EPS Next 2Y-14.44%
EPS Next 3Y-7.91%
5. Dividend
5.1 Amount
ACIC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMERICAN COASTAL INSURANCE C
NASDAQ:ACIC (11/22/2024, 8:21:31 PM)
After market: 13.46 0 (0%)13.46
+0.14 (+1.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap648.77M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.36 | ||
| Fwd PE | 8.8 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
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FCF(TTM)
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OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.15% | ||
| ROE | 30.28% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 40.54% | ||
| PM (TTM) | 26.1% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)139.52%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y-31.67%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-37.08%
Revenue growth 3Y-30.31%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
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EBIT growth 3Y
EBIT growth 5Y
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