ACIC
Financial ServicesAmerican Coastal Insurance Corporation · Insurance - Property & Casualty · $520M
What is American Coastal Insurance Corporation?
American Coastal Insurance Corporation is a Florida-based property and casualty insurer focused on residential and commercial property coverage. The company serves homeowners, renters, condo owners, and residential associations primarily across the United States.
American Coastal sources, writes, and services property and casualty insurance policies through a network of independent agencies. Its residential lines cover structure, contents, and liability for single-family homes, renters, and condo unit owners. On the commercial side, the company provides multi-peril property coverage for condominium associations and apartment buildings. Additional specialty products include equipment breakdown, identity theft, cybersecurity, and flood policies, broadening its reach beyond standard homeowners coverage.
Founded in 1999 and headquartered in Saint Petersburg, Florida, the company rebranded from United Insurance Holdings Corp. to American Coastal Insurance Corporation in August 2023.
- Standard homeowners, renters, and condo unit owner policies
- Commercial multi-peril property insurance for condo associations and apartments
- Equipment breakdown and flood coverage
- Identity theft and cybersecurity protection policies
- Independent agency distribution network
Is ACIC a Good Stock to Buy?
UQS Score rates ACIC as Good overall, reflecting a balanced profile with notable strengths and one clear area of concern.
The Quality pillar stands out as the strongest aspect of ACIC's profile, suggesting the business generates earnings with above-average efficiency relative to sector peers. The Growth pillar also registers as Good, indicating the company is expanding at a meaningful pace within the competitive property and casualty insurance market. Valuation is rated Attractive, meaning the stock does not appear richly priced relative to its fundamentals.
The Moat pillar is rated Weak — a notable flag for long-term investors, as it suggests limited structural competitive advantages that could protect market share over time.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does ACIC pay dividends?
Yes — American Coastal Insurance Corporation pays a dividend.
American Coastal Insurance pays a regular dividend, which is relatively uncommon among small-cap insurers still in active growth mode. This signals management's confidence in the company's cash generation capacity. Income-oriented investors may find the dividend cadence appealing, though dividend sustainability should always be weighed against the company's underwriting performance and capital requirements.
When does ACIC report earnings?
American Coastal Insurance reports earnings on a quarterly cadence, typical for US-listed equities.
The company's Quality pillar rating suggests earnings quality has been above average in recent periods, while the Good Growth rating points to continued top-line expansion. Underwriting results in the Florida property market can be volatile given hurricane exposure, which investors should factor into expectations.
For the most recent quarter's results, see American Coastal Insurance's investor relations page.
ACIC Price History
+142.5% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in American Coastal Insurance Corporation?
Based on American Coastal Insurance Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
ACIC Long-term Outlook
Based on ACIC's UQS pillar profile, the fundamental outlook reflects a company with genuine growth momentum and attractive valuation, tempered by a weak competitive moat and neutral risk positioning. The Growth pillar suggests the business is expanding, but the Moat rating indicates that competitive pressures could erode gains over time. The Neutral Risk rating implies the company is neither unusually exposed nor particularly insulated from sector-level headwinds such as catastrophe losses and reinsurance cost inflation.
Growth drivers
- Expansion of commercial multi-peril and specialty insurance lines
- Growing demand for property coverage in hurricane-prone coastal markets
- Broadening product suite including cyber and flood policies
Key risks
- Elevated catastrophe exposure in Florida's property insurance market
- Weak moat leaves the company vulnerable to pricing pressure from larger carriers
- Rising reinsurance costs could compress underwriting margins
ACIC vs Peers
American Coastal Insurance operates in a competitive small-cap insurance space alongside several distinct peers.
Donegal is a more geographically diversified regional insurer with a longer operating history and a broader mix of personal and commercial lines outside Florida.
Root takes a technology-first approach to auto insurance using telematics data, contrasting sharply with ACIC's traditional property-focused and agency-distributed model.
Bowhead focuses on specialty and excess-and-surplus lines insurance, serving more complex commercial risks rather than residential property coverage.
Frequently Asked Questions
What does American Coastal Insurance do?
American Coastal Insurance sources, writes, and services property and casualty insurance policies in the United States. Its products cover residential homeowners, renters, condo unit owners, and commercial residential associations. The company also offers specialty lines including flood, equipment breakdown, and cybersecurity coverage, distributed through independent agencies.
Does ACIC pay dividends?
Yes, American Coastal Insurance pays a regular dividend. This is notable for a small-cap insurer and reflects management's view of the company's cash generation. Investors should review the company's investor relations page for the current dividend rate and payment schedule.
When does ACIC report earnings?
American Coastal Insurance reports earnings on a quarterly cadence, consistent with standard US-listed company practice. For specific upcoming earnings dates, visit the company's investor relations page directly, as our data source does not cover forward-looking calendar events.
Is ACIC a good stock to buy?
UQS Score rates ACIC as Good overall. The Quality and Growth pillars are among the stronger aspects of its profile, and Valuation is rated Attractive. However, the Weak Moat rating is a consideration for investors focused on long-term competitive durability. The full pillar breakdown is available to Pro members.
Is ACIC overvalued?
Based on the UQS Valuation pillar, ACIC is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. That said, valuation should always be considered alongside quality and risk factors rather than in isolation.
How does ACIC compare to its competitors?
ACIC is a focused residential and commercial property insurer concentrated in coastal markets, which distinguishes it from peers like Donegal Group's diversified regional model, Root's technology-driven auto insurance approach, and Bowhead's specialty commercial lines focus. Each competitor operates with a meaningfully different business model and risk profile.
What is ACIC's market cap bracket?
American Coastal Insurance is classified as a small-cap company. Small-cap insurers can offer growth potential but may carry higher volatility and less financial flexibility than large-cap peers during periods of elevated catastrophe losses or tightening reinsurance markets.
Who founded American Coastal Insurance?
American Coastal Insurance Corporation was founded in 1999 and was formerly known as United Insurance Holdings Corp. before rebranding in August 2023. For detailed founding history and leadership background, the company's investor relations and about pages are the most reliable sources.
Is ACIC a long-term quality investment?
As a long-term quality indicator, ACIC's profile is mixed. The Strong Quality pillar and Good Growth rating are positive signals for durability, but the Weak Moat rating raises questions about the company's ability to defend its market position over a multi-year horizon. Pro members can view the complete analysis.
What is the main competitive advantage of American Coastal Insurance?
ACIC's UQS Moat pillar is rated Weak, indicating limited structural competitive advantages at this time. Its relative strength lies in operational quality and its established independent agency distribution network in the Florida property insurance market, rather than a wide economic moat.
What sector does ACIC belong to?
American Coastal Insurance belongs to the Financial Services sector, specifically the property and casualty insurance industry. This sector is sensitive to catastrophe events, reinsurance pricing cycles, and regulatory changes, particularly in high-risk coastal states like Florida.
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Pro Analysis
ACIC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 68.7 | 98.0 | 34.0 | 60.2 | 57.5 | 100.0 | +0.1 |
| May 20, 2026 | 68.6 | 97.5 | 34.0 | 60.2 | 57.5 | 100.0 | -0.1 |
| May 16, 2026 | 68.7 | 98.0 | 34.0 | 60.2 | 57.5 | 100.0 | 0.0 |
| May 14, 2026 | 68.7 | 98.2 | 34.0 | 60.2 | 57.5 | 100.0 | -0.4 |
| May 12, 2026 | 69.1 | 99.6 | 34.0 | 60.2 | 57.5 | 100.0 | -0.1 |
| May 8, 2026 | 69.2 | 100.0 | 34.0 | 60.2 | 57.5 | 100.0 | +0.3 |
| Apr 2, 2026 | 68.9 | 100.0 | 34.0 | 60.2 | 56.1 | 100.0 | — |
ACIC — Pillar Breakdown
Quality
— 98.1/100 (25%)American Coastal Insurance Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 60.2/100 (20%)American Coastal Insurance Corporation demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 57.5/100 (15%)American Coastal Insurance Corporation maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)American Coastal Insurance Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Moat
— 34/100 (25%)American Coastal Insurance Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ACIC.
Score Composition
Financial Data
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How is the ACIC UQS Score Calculated?
The UQS (Unified Quality Score) for American Coastal Insurance Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses American Coastal Insurance Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether American Coastal Insurance Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.