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American Coastal Insurance Corporation (ACIC) — RQD Stock Rating Cockpit

$10.93 +0.55% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $10.97

American Coastal Insurance Corporation (ACIC) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate) →

ROARABLE B • BUY Cap $516.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $10.97 (+0.34%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 21.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ACIC)Realized 20D OHLCV Swing Band: ±6.7%

Deterministic 5-Pillar Attribution (74/100 Composite)

🔍 WHY ACIC SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (24% of score)

FRED Regime × Technicals: 47% of 52W Range • RSI-14 at 62.2 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$9.78+13.5% Next Q

Q2 (-2Q)

Grade B-$11.10-0.2% Next Q

Q3 (-1Q)

Grade B$11.08-1.4% Next Q

Current

Grade B$10.93+7.3% Hist 90D α

Trajectory: B- (66) → B (74)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ACIC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, ACIC faces multiple-compression risk if 4.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.82) or 200D SMA ($10.68) invalidates the momentum regime and cuts Target Base ($11.72) toward Bear Floor ($8.96).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ACIC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ACIC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 74%NO 26%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

62.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE47% OF RANGE

L: $9$10.93H: $13

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 31 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on ACIC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

85.0% ROIC with 42.0% gross margin and 13.72% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (80)

30/40 institutional & smart-money positioning score with 18/20 macro alignment.

Bull Case: Why Buyers Like ACIC

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ACIC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

ACIC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -8.15%📐 HORIZONTAL RANGE

2026-10-30O $10.85H $11.14L $10.70C $10.93VOL 297.3K

RES: $11.46SUP: $8.94SMA50: $9.82SMA200: $10.68

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ACIC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ACIC Butterfly Map → + Track ACIC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-14.7%/yr Implied 5Y Growth

vs. +13.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ACIC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ACIC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ACIC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ACIC)

Financials Rank #61 of 1096 ⚔️ GLRE vs ACIC Full Matrix →

1. Head-to-Head Financials Peer Comparison (ACIC vs. GLRE, AII, AMSF, TIPT)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, American Coastal Insurance Corporation (ACIC) ranks #61 by composite RQD confidence (74/100, grade B) and #695 by equity capitalization ($516.7M). Within this direct 5-issuer industry benchmark cohort, ACIC leads on earnings valuation at 4.8x trailing P/E, while ACIC leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. AII currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with ACIC at 74/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ACIC ACTIVE American Coastal Insurance Corporation	B	74/100	4.8x	—	85.0%	+0.55%	$516.7M	Benchmark Subject
GLRE Greenlight Capital Re Ltd. (Class A)	C	64/100	6.4x	—	10.6%	+0.55%	$477.5M	/glre-vs-acic →
AII American Integrity Insurance Group Inc.	B	75/100	5.6x	—	29.6%	+2.54%	$562.6M	/aii-vs-acic →
AMSF AMERISAFE Inc.	D	47/100	9.1x	—	18.7%	-8.73%	$428.0M	/amsf-vs-acic →
TIPT Tiptree Inc.	D	45/100	18.0x	—	-6.8%	+0.06%	$627.2M	/tipt-vs-acic →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001401521

In its most recent audited fiscal period (FY2025, filed 2025-12-31), American Coastal Insurance Corporation (ACIC) reported GAAP revenue of $335.4M (+13.1% vs. FY2024 revenue of $296.7M , and +26.9% cumulative change since FY2023) , GAAP net income of $106.8M, operating cash flow of $71.0M, and free cash flow of $70.9M (-70.9% YoY). On the balance sheet, ACIC closed FY2025 with $1.07B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$335.4M	$106.8M	$71.0M	$70.9M	$1.07B	—
FY2024 (FY)	2024-12-31	$296.7M	$75.7M	$243.5M	$243.5M	$1.22B	—
FY2023 (FY)	2023-12-31	$264.4M	$309.9M	-$136.0M	-$136.0M	—	—

3. ACIC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ACIC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, American Coastal Insurance Corporation (NASDAQ: ACIC) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $10.93 (+0.55% 1D, market cap $516.7M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 18/20. Across 1096 tracked Financials issuers, ACIC ranks #61 in composite RQD confidence.

How does ACIC compare to GLRE and AII in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), ACIC carries a Roarable B (74/100 RQD), trailing P/E of 4.8x, gross margin of —, and ROIC of 85.0%. By comparison, GLRE (Greenlight Capital Re Ltd. (Class A)) holds a C grade (64/100 RQD, P/E 6.4x, ROIC 10.6%, cap $477.5M) and AII (American Integrity Insurance Group Inc.) posts a B grade (75/100 RQD, P/E 5.6x, ROIC 29.6%, cap $562.6M). Among the 5-stock peer group, ACIC leads on earnings multiple (4.8x) while ACIC leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ACIC?

Per ACIC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001401521), American Coastal Insurance Corporation generated $335.4M in revenue (+13.1% YoY), $106.8M in net income, and $70.9M in free cash flow against $1.07B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ACIC trading relative to its 50-day, 200-day, and 52-week technical levels?

ACIC last traded at $10.93 (+0.55% on volume of 357,752 shares), positioning the stock +11.30% above its 50-day simple moving average ($9.82) and +2.34% above its 200-day simple moving average ($10.68). Across its 52-week range of $9.01 to $13.06, ACIC sits at the 47.4% percentile with a 14-day RSI of 62.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.7% ($10.20 to $11.66).

ACIC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell ACIC stock right now?

American Coastal Insurance Corporation (ACIC) currently earns a Roarable Rating of B (Buy — BUY) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.

What is ACIC's 12-month price target and RQD AI Jury consensus?

ACIC's 12-month base price target is $11.72 (range $8.96 to $13.83), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: ACIC RQD Cockpit ACIC 12M Forecast ACIC Earnings & Move ACIC Dividends & DRIP ACIC Insiders & 13F ACIC Whale Options ACIC Profit Sankey ACIC News & Why