AMERICAN COASTAL INSURANCE CORP (ACIC)
Financials · Commercial property and casualty insurance · NASDAQ
American Coastal Insurance Corporation is a Florida-focused commercial property and casualty insurer specializing in catastrophe-exposed residential properties including condominiums, apartments, and assisted living facilities.
What AMERICAN COASTAL INSURANCE CORP does
American Coastal Insurance Corporation is a holding company that principally engages in the commercial property and casualty insurance business through its wholly owned subsidiary, American Coastal Insurance Company (AmCoastal). The company writes commercial multi-peril property insurance for residential condominium associations, apartments, and assisted living facilities in Florida, targeting areas where large national carriers have reduced concentration due to natural catastrophe exposure. The company also earns commissions on equipment breakdown, identity theft, and flood policies with no retained risk.
Themes: ["Commercial property insurance","Catastrophe-exposed risk","Florida insurance market","Residential property (condominiums, apartments)","Managing general agency partnerships"]
Fundamentals
- Price$11.18 as of 2026-07-09 close
- Market cap$561M as of 2026-07-10
- 1-year return+1.6% as of 2026-07-09 close
- P/E5.35 as of 2026-07-10
- Net margin+31.3% as of 2026-07-10
- ROE+33.0% as of 2026-07-10
- Debt / equity0.45 as of 2026-07-10
- Revenue growth (YoY)+10.7% as of 2026-07-10
- Revenue CAGR (3y)+14.8% SEC XBRL
- Beta-0.49 as of 2026-07-10
Dividend: yield +6.5%; 2-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Exposure to catastrophic events and severe weather conditions, particularly in Florida where the company concentrates its underwriting","Reliance on key vendor relationships, particularly AmRisc LLC for condominium distribution through an exclusive managing general agency agreement, and dependence on their ability to maintain adequate data security","Risk that actual claims incurred may exceed loss reserves, and the cyclical nature of the property and casualty insurance industry may cause pricing and terms to decline"]
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.