# American Coastal Insurance share price today (American Coastal Insurance Corporation, ACIC)

> American Coastal Insurance Corporation's P/BV is near the low end of its own history, higher than only 13% of past readings, and its quarterly results are still getting worse. ACIC · Financials · Insurance - Property & Casualty · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/acic

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## Key numbers

- Business trend: Slowing from a peak, from fewer quarters than usual
- Price: $10.54 (−11.0% in a year)
- P/BV: 1.4× (lower than 87% of the last 1 year)
- Revenue (Jun 2026): $82.6 M (−4.5% on a year ago)
- Profit (Jun 2026): $21.9 M (−17.2% on a year ago)
- Net margin: 26.5% (−4.1 points on a year ago)
- ROE: 26%, FY25
- ROA: 6.67%, latest

The main question: yearly earnings per share moved +39.9% while the share price moved −11.0%. ## What is the American Coastal Insurance share price today? American Coastal Insurance Corporation's share price was $10.54 at the close on 3 November 2026. That is 1.2% below its average price over the last 200 trading days. In the last 52 weeks it traded between $9 and $13, and at that close it sat 38% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 4 weeks in a row. Over the last 1 year the share price moved −2% while the S&P 500 moved +21%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does American Coastal Insurance pay? American Coastal Insurance Corporation pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is American Coastal Insurance on? American Coastal Insurance is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is American Coastal Insurance profitable? American Coastal Insurance Corporation earned $21.9 M of net profit in the Jun 2026 quarter, −17.2% on the same quarter a year earlier. Full-year FY25 profit was $107 M. That is 26.5% of the quarter's revenue. The same quarter a year earlier earned $26.4 M. For the full year, FY25 profit was $107 M (+41.1% on the year before). Why profit moved: revenue changed −4.5% on a year earlier and the margin moved −4.1 percentage points. Sales did the work while the margin got thinner. On average over the last four quarters, profit changed +106.4% and revenue +3.3%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does American Coastal Insurance make, and is it growing? American Coastal Insurance Corporation reported $82.6 M of income in the Jun 2026 quarter, −4.5% on the same quarter a year earlier. Over 4 years it has grown 10.1% a year on average. The last full year, FY25, came in at $335 M. The last four reported quarters add to $331 M. The quarterly figures for FY22 do not add up to the full-year total on file, so those quarters are left out of the charts and sums. FY25 revenue was $335 M, +13.1% on the year before. Recent pace: the last four quarters grew +3.3% on average, against 10.1% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +3.3%, against +17.6% a year over the last 8 quarters (rolling over); profit over the last 12 months grew +23.9%, against +21.8% a year (stabilising). ## How much does American Coastal Insurance keep from what it earns? American Coastal Insurance Corporation's net margin was 26.5% in the Jun 2026 quarter, 4.1 percentage points lower than the same quarter a year ago. Across 5 years it has been between −212.0% and 117.2%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of American Coastal Insurance's loans have gone bad? American Coastal Insurance Corporation does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is American Coastal Insurance's loan book growing? American Coastal Insurance Corporation's revenue was $335 M in FY25, +13.1% on the year before, so the loan book is growing. The latest quarter was −4.5% on a year earlier. The net margin on that income is 26.5%, −4.1 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is American Coastal Insurance's P/BV ratio, and how does it compare with its own history? American Coastal Insurance Corporation's P/BV is 1.4×, near the low end of its own history: it has been lower only 13% of the time. Its usual P/BV (the middle reading) is 1.7×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved −11.0%. Price and book value moved together, so the multiple stayed in its range. In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple. ## Is the American Coastal Insurance business getting better or worse? American Coastal Insurance Corporation's business is slowing from a peak. Revenue and profit growth have slowed sharply (revenue growth from +54.7% at its peak to −4.5% now), while ROE is still 29.4%. This is based on 10 quarters of 3 measures, with some gaps. Why it matters: slowing from a peak is where good stories often end quietly. One or more growth lines have an extreme jump caused by comparing with a near-zero or loss-making quarter. Those jumps are capped before reading and drawn at the edge of the chart, so one odd quarter does not decide the result. This reading has some gaps: at least one line is short, or the return line is not the quarterly series, so treat it with a little more caution. ## How much does American Coastal Insurance earn on its equity and assets? American Coastal Insurance Corporation earned a return on equity of 34% in FY25. Its lowest yearly reading on file was −18% in FY21. On its assets, every $100 earned about $6.67, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does American Coastal Insurance have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the American Coastal Insurance shareholding pattern? 8.6% of American Coastal Insurance Corporation's tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 6.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is American Coastal Insurance from balance-sheet trouble? For American Coastal Insurance Corporation, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does American Coastal Insurance rank in its industry? There is no score against its industry: American Coastal Insurance Corporation is not among the largest members shown in this industry comparison for Insurance - Property & Casualty. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is American Coastal Insurance compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to American Coastal Insurance in size? American Coastal Insurance is the 41st largest of 44 Insurance - Property & Casualty companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: Root, Inc., Donegal Group Inc. and American Integrity Insurance Group, Inc. Just below it: Global Indemnity Group, LLC, NI Holdings, Inc. and Kingstone Companies, Inc. ### Insurance - Property & Casualty companies close in size

1. [Root, Inc.](https://www.sectoralpha.in/us/stocks/root) $835 million
2. [Donegal Group Inc.](https://www.sectoralpha.in/us/stocks/dgica) $693 million
3. [American Integrity Insurance Group, Inc.](https://www.sectoralpha.in/us/stocks/aii) $577 million
4. American Coastal Insurance Corporation $492 million
5. [Global Indemnity Group, LLC](https://www.sectoralpha.in/us/stocks/gbli) $321 million
6. [NI Holdings, Inc.](https://www.sectoralpha.in/us/stocks/nodk) $309 million
7. [Kingstone Companies, Inc.](https://www.sectoralpha.in/us/stocks/kins) $289 million

[All 44 Insurance - Property & Casualty companies, largest first](https://www.sectoralpha.in/us/sectors/insurance-property-casualty#all-companies)

### Companies close in size in other industries

1. [Oculis Holding AG](https://www.sectoralpha.in/us/stocks/ocs) $510 million · Biotechnology
2. [CytomX Therapeutics, Inc.](https://www.sectoralpha.in/us/stocks/ctmx) $510 million · Biotechnology
3. American Coastal Insurance Corporation $510 million
4. [West Bancorporation, Inc.](https://www.sectoralpha.in/us/stocks/wtba) $510 million · Banks - Regional
5. [Brandywine Realty Trust](https://www.sectoralpha.in/us/stocks/bdn) $508 million · REIT - Office

## What else do people ask about American Coastal Insurance? ### What were American Coastal Insurance's latest quarterly results? American Coastal Insurance Corporation reported total income of $82.6 M and net profit of $21.9 M for the Jun 2026 quarter. Income fell 4.5% and profit fell 17.2% compared with a year earlier. Earnings per share were $0.44 (as of 3 November 2026). ### What is American Coastal Insurance's market cap? American Coastal Insurance Corporation's market capitalisation is $492 M at a stock price of $10.54. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is American Coastal Insurance performing? American Coastal Insurance Corporation's latest readings are below. In its latest quarter, income fell 4.5% and profit fell 17.2% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 4 weeks running. This describes what the data did, not a rating (as of 3 November 2026). ### Will American Coastal Insurance's stock price go up? This page does not forecast American Coastal Insurance Corporation's stock price. What it shows instead: the stock price is $10.54. Its P/BV of 1.4× is higher than 13% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 3 November 2026). ### Where is American Coastal Insurance in its business cycle? American Coastal Insurance Corporation's FY25 net margin was 31.8%, against a 5-year range of −212.0% to 117.2%: the middle of its own range, neither a peak nor a low. The latest quarter was 26.5%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the American Coastal Insurance story? The main question: yearly earnings per share moved +39.9% while the share price moved −11.0%. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is American Coastal Insurance a stock worth studying right now? What the numbers show: American Coastal Insurance Corporation's P/BV is near the low end of its own history, higher than only 13% of past readings, and its quarterly results are still getting worse. The main open question: whether the price catches up with earnings that have already grown. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.