Stock Ratings / Financials / ACIC / dividends

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American Coastal Insurance Corporation (ACIC) Dividend Safety Gauge & 10-Year DRIP Compounder

$10.93 +0.55% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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.

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

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%

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $23,674

Est. Year-10 Shareholder Yield: $426/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$11.9K

Yr 2

$13.0K

Yr 3

$14.1K

Yr 4

$15.4K

Yr 5

$16.8K

Yr 6

$18.3K

Yr 7

$19.9K

Yr 8

$21.7K

Yr 9

$23.7K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in ACIC & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on ACIC and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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

Does ACIC pay a dividend and is it safe?

American Coastal Insurance Corporation (ACIC) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

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