ACIC · AMERICAN COASTAL INSURANCE Corp
Market Cap
$460.41M
Shares
48.46M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$9.50
Open$9.43
Day$9.42–9.54
52W close$9.18–13.03
Avg vol 30d276K
Short int1.2M · 2.4% float · 3.8d
Short vol79%
Last earningsAug 5, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Nov 5, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−15%
below
Price vs 50-day avg
−9%
below
RSI (14)
41
neutral
MACD trend
Positive
52-week position
8%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−11%
trailing
6-month return
−17%
trailing
YTD return
−25%
this year
Relative strength
−31%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $10 › 200d $11 — 200d above 50d
Institutional flow
Distributing
-10% holders QoQ · +18 funds added
Insider flow
Distributing
Net -$391.9K over 90 days · 100% sells
Short interest
Falling
2.44% of float · ▼ -5.2% MoM · 3.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
136 holders — mid 3-yr range
Squeeze score
50
elevated · 0–100
Fundamentals
Revenue growth
+13%
Y/Y
EPS growth
+40%
Y/Y
Free cash flow
$70.9M
Valuation
P/E 4.7
below peers
Buyback
$5.6M
remaining
Balance sheet
$48.8M
net cash
Quant / Vol
risk profile
Volatility
33%
annualized · 1-yr
Max drawdown
−30%
past year
ATR
3.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
Earnings guidance
· full year
$85M – $100M
Total revenue
· full year
$300M – $320M
prior FY $335.44M
midpoint −7.6% Y/Y
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2024
Net income
· 2025
$70M – $90M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−15%
Bearish
Price vs 50-day avg
−9%
Bearish
RSI (14)
41
Neutral
MACD trend
Positive
Bullish
52-week position
8%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $10 › 200d $11 — 200d above 50d
Institutional flow
Distributing
-10% holders QoQ · +18 funds added
Insider flow
Distributing
Net -$391.9K over 90 days · 100% sells
Short interest
Falling
2.44% of float · ▼ -5.2% MoM · 3.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
136 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $9
Now $10 · 8%
Range high $13
vs 200-day avg -15%
vs 50-day avg -9%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| New and Renewal Policies | 1,705 | Three Months Ended June 30, 2026 filing | — |
| Total Ceding Ratio | -49.8% | Three Months Ended June 30, 2026 filing | — |
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| Underlying loss and LAE non-GAAP | $14.95M | Three Months Ended June 30, 2026 filing | — |
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GAAP → non-GAAP reconciliationGAAP Net loss and LAE 18.83M
-3.12M Current year catastrophe losses
-767K Prior year reserve unfavorable (favorable) development
= Underlying loss and LAE 14.95M
|
|||
| Book value per share | $7.21 | Q2 2026 | — |
| Combined ratio | 74.3% | Q2 2026 | — |
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| Core EPS (diluted) non-GAAP | $0.33 | Q2 2026 | — |
| Core income non-GAAP | 16.46M | Q2 2026 | — |
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| Core income per diluted share non-GAAP | $0.33 | Q2 2026 | — |
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| Core return on equity non-GAAP | 20% | Q2 2026 | — |
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| Net expense ratio | 47.3% | Q2 2026 | — |
| Net loss & LAE ratio | 27% | Q2 2026 | — |
| Policies in force | 4,450 | Q2 2026 | — |
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| Portfolio duration | 2.3 | Q2 2026 | — |
| Premium in force | $573M | Q2 2026 | — |
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| Rated A or higher | 81.7% | Q2 2026 | — |
| Reinsurance ceding ratio | 49.8% | Q2 2026 | — |
| Return on Equity | 26.6% | Q2 2026 | — |
| Tangible Book Value / Share | $5.9 | Q2 2026 | — |
| Underlying combined ratio non-GAAP | 68.7% | Q2 2026 | — |
|
|
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GAAP → non-GAAP reconciliationGAAP Combined ratio 74.3%
-4.5% Effect of current year catastrophe losses on CR
-1.1% Effect of prior year unfavorable (favorable) development on CR
= Underlying combined ratio 68.7%
|
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| Yield-to-Maturity | 4.33% | Q2 2026 | — |
| Expense ratio, net | 50.4% | Three Months Ended March 31, 2026 | — |
| Fixed maturities percentage of total investments | 70.5% | first quarter | — |
| Loss ratio, net | 15.6% | Three Months Ended March 31, 2026 | — |
| Modified duration of fixed maturity investments | 2.3 | first quarter | — |
| Non-GAAP Core Income non-GAAP | $19.3M | 1Q-26 | — |
| Return on equity based on GAAP income from continuing operations, net of tax | 24.5% | Three Months Ended March 31, 2026 | — |
| Tangible book value per share non-GAAP | $5.57 | 1Q-26 | — |
| Underlying Book Value Per Common Share non-GAAP | $7.04 | Three Months Ended March 31, 2026 | — |
| Underlying loss and LAE % of Net earned premiums non-GAAP | 18% | Three Months Ended March 31, 2026 | — |
| gross underlying loss and LAE ratio non-GAAP | 7.8% | the year ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ACIC
this stock
AMERICAN COASTAL INSURANCE Corp
|
$460.41M | -24.8% | +13.1% | 4.7 | 2.4% |
|
CB
Chubb Ltd
|
$131.84B | +8.9% | +6.5% | 12.0 | 1.0% |
|
PGR
Progressive Corp/Oh/
|
$127.42B | -4.0% | +16.3% | 11.0 | 1.0% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$91.55B | +30.3% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$77.15B | +27.5% | +5.2% | 9.9 | 2.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ACIC | +3.5% | -10.6% | -17.4% | -10.6% | -24.8% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | +3.0% | -13.5% | -30.8% | -13.5% | -37.6% |
Capital returns
Latest dividend
$0.75
/ share · ex Jan 2, 2026
Paid (TTM)
$0.75
/ share · 1 payout
Dividend yield (TTM, derived)
— · history filling in
Buyback program
· as of Jun 30, 2026
Authorized
$25.00M
Spent (derived)
$19.44M
Remaining
$5.56M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1401521
CUSIP
910710102
13F (30d)
114 filings
114 filers
Visit website
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