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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 47% of 52W Range • RSI-14 at 62.2 (BULLISH MOMENTUM)
SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
American Coastal Insurance Corporation (ACIC) advanced +0.55% to $10.93, trading at 47% of its 52-week range ($9.01 – $13.06). High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.
American Coastal Insurance stock barely moved after its Q3 2026 release, edging up around 0.3% and leaving the recent 30‑day gain near 21%. The muted reaction sits awkwardly beside another highly profitable quarter, with
Pricing pressure and catastrophe losses drove net income down 40% year over year.
Moby summary of American Coastal Insurance Corporation's Q3 2026 earnings call
American Coastal Insurance Corporation (ACIC) Q3 2026 Earnings Call October 29, 2026 5:00 PM EDTCompany ParticipantsB.
American Coastal Insurance (NASDAQ:ACIC) reported third-quarter net income of $19.4 million and said it maintained strong underwriting profitability despite softer commercial property insurance pricing. President and CEO
(AP) — American Coastal Insurance Corporation (ACIC) on Thursday reported third-quarter net income of $19.The Saint Petersburg, Florida-based company said it had profit of 40 cents per share.
Company to Host Quarterly Conference Call at 5:00 P.M. ET on October 29, 2026 The information in this press release should be read in conjunction with an earnings presentation that is available on the Company's website a
American Coastal (NASDAQ:ACIC) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga
American Coastal (NASDAQ:ACIC) reported quarterly earnings of $0.42 per share which missed the analyst consensus estimate of $0.47 by 10.64 percent. This is a 31.15 percent decrease over earnings of $0.61 per share from
ACIC, APOG, EOG, CRCL and ASAIY have been added to the Zacks Rank #1 (Strong Buy) List on October 19, 2026.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +13.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ACIC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ACIC. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why ACIC Stock advanced +0.55% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.
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