American Coastal Insurance stock
ACICNASDAQAmerican Coastal Insurance Corporation, Financial ServicesISIN US9107101027
62Score 62 out of 100, Neutral
Price and trend
46 / 100
Price history
−14% in one yearThe chart shows daily closes over 19 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 2.9% below it.
Since May 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 31).
The price is 21% below its 52-week high. Largest decline in 19 years: 99% (February 2015 to November 2022).
Chart figures for advanced users
- SMA 50$9.99
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$10.65
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)31
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$9.04
- The lowest closing price of the last twelve months.
- Resistance$13.03
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- American Coastal Insurance Corporation belongs to the Insurance (Property & Casualty) industry (United States) and, with a market value of $488.97M, is number 55 of 58 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $335.44M (up 13.1% year on year) and earnings of $106.84M (up 41.1%).
- MEQIRI Score 62 out of 100 (Neutral): rank 673 of 976 in Financial Services, median 68.
Show more
- The P/E is 5.8 (Insurance (Property & Casualty) median 12.4, own median of recent years 8.5).
- Our model puts fair value at $32.47, with the price 69% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 25.9% over the last 12 months.Profitability 67
- Below fair valuePrice 69% below the fair value of $32.47.Valuation 100
- Modestly valuedP/E 5.8, Insurance (Property & Casualty) median 12.4, own median 8.5.Valuation 100
Weaknesses
- DilutionShare count up 13% since 2020.Capital allocation 53
Its standout strengths are valuation and stability, while technical analysis and momentum hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 63 to 62.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
Valuation
Valuation signal
Significantly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $24.98 and expensive above $46.38 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $42.70 (excess return model) and $22.24 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $28.91, at 7.8% it would be $37.81.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.4).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 5.2% on the twelve months before. Up to 2021 the bars include businesses that were later spun off or sold. On a comparable basis, as restated in the SEC annual reports, revenue grew 6% a year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 43%, net 32%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. From 2021 revenue only includes continuing operations, sold or discontinued divisions have been reclassified. Earlier years are not comparable and not shown, and the margins for 2021 are not measured.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 18 Feb 2027in 98 days
- Last reported
- 29 Oct 2026EPS reported $0.42 (expected $0.47)below expectations
Analyst estimates
- Earnings per share
- $1.26−5.3%
- Revenue
- $533.39M0.0%
- Earnings per share
- $1.25−2.3%
- Revenue
- $496.13M0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook lowered
Share price after the results: −6.8%2026 total revenue guidance lowered to $300 million to $320 million due to softer pricing, earnings guidance of $85 million to $100 million unchanged.
“Conversely, our guidance for total revenue is being revised downward to between $300 million and $320 million, given the trajectory of the current pricing environment.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $91,500 in total. 2 insiders sold, $583,949 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at American Coastal Insurance
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 62
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- Hippo HoldingsHIPO $974.62M51
- FBD HoldingsEG7.IR $767.97M79
- Donegal GroupDGICA $709.1M58
- RootROOT $677.14M54
- American Integrity Insurance GroupAII $576.29M82
- Kingstone CompaniesKINS $326.42M77
- Global Indemnity GroupGBLI $317.99M40
- NI HoldingsNODK $310.94M50
ETFs that hold American Coastal Insurance
Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.02% | 0.39% | €1.47B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.01% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 28 Feb 2025)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.