ACIC vs HCI
ACIC: 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. HCI: A Florida-focused property and casualty insurer that leverages proprietary insurance technology (Exzeo) to drive underwriting discipline and operational efficiency while growing through reciprocal exchange platforms.
Side-by-side fundamentals
| Metric | ACIC | HCI | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $9.99 | $174.95 | |
| Market cap as of 2026-07-24 | $482M | $2.2B | |
| P/E as of 2026-07-24 | 4.60 | 7.33 | ACIC lower |
| PEG as of 2026-07-24 | 0.13 | 0.30 | ACIC lower |
| Net margin as of 2026-07-24 | +31.3% | +32.6% | HCI higher |
| Operating margin as of 2026-07-24 | +42.5% | +48.6% | HCI higher |
| ROE as of 2026-07-24 | +33.0% | +32.6% | ACIC higher |
| ROA as of 2026-07-24 | +9.1% | +12.3% | HCI higher |
| Debt / equity as of 2026-07-24 | 0.45 | 0.06 | HCI lower |
| Revenue growth (YoY) as of 2026-07-24 | +10.7% | +21.7% | HCI higher |
| Revenue CAGR (3y) SEC XBRL | +14.8% | +21.7% | HCI higher |
| Dividend yield as of 2026-07-24 | +7.6% | +0.9% | ACIC higher |
| Dividend streak (yrs) SEC XBRL | 2 | 4 | HCI higher |
| Beta as of 2026-07-24 | -0.48 | 1.01 | |
| 1-year return as of 2026-07-23 close | -8.7% | +22.9% | HCI higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.