American Coastal Insurance (ACIC) Stock Price

American Coastal Insurance Price

NASDAQ·CLOSED
9.95USD-0.49 (-4.81 %)
Market closed

Revenue has compounded at 7.7% per year over the past 19 years to 335.44 M USD. Earnings per share have grown at 37.4% per year over the last 18 years. American Coastal Insurance's net margin stands at 31.8%, up from -25.3% several years earlier. American Coastal Insurance currently offers a dividend yield of about 5.03%. The payout ratio is around 23% of earnings. The dividend has grown at 24.2% per year over the past 13 years. Analysts set a median price target of 14.28 USD, implying 43.5% above the current price. Of 8 analysts, 6 rate the stock a buy — an overall Buy consensus.

American Coastal Insurance stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of American Coastal Insurance over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how American Coastal Insurance stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing American Coastal Insurance's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

American Coastal Insurance Stock Price History
DateAmerican Coastal Insurance Price
8/10/20269.95 USD
8/7/202610.44 USD
8/6/202610.28 USD
8/5/202610.96 USD
8/4/202610.89 USD
8/3/202610.93 USD
7/31/202610.62 USD
7/30/202610.62 USD
7/29/202610.86 USD
7/27/202610.38 USD
7/23/20269.99 USD
7/22/20269.94 USD
7/21/202610.19 USD
7/20/202610.31 USD
7/17/202610.25 USD
7/16/202610.37 USD
7/15/202610.13 USD
7/14/202610.83 USD
7/13/202611.20 USD
7/10/202611.17 USD
7/9/202611.18 USD
7/8/202611.48 USD
7/7/202611.52 USD
7/6/202611.50 USD
7/2/202611.54 USD
7/1/202611.38 USD
6/30/202611.10 USD
6/29/202611.10 USD
6/26/202611.15 USD
6/25/202610.76 USD
6/24/202610.95 USD
6/23/202610.95 USD
6/22/202610.82 USD
6/18/202610.49 USD
6/17/202610.44 USD
6/16/202610.52 USD
6/15/202610.42 USD
6/12/202610.52 USD
6/11/202610.52 USD
6/10/202610.35 USD
6/9/202610.26 USD
6/8/202610.21 USD
6/5/202610.24 USD
6/4/202610.13 USD
6/3/20269.89 USD
6/2/202610.52 USD
6/1/202610.45 USD
5/29/202610.54 USD
5/28/202610.51 USD
5/27/202610.75 USD
5/26/202610.71 USD
5/22/202610.72 USD
5/21/202610.76 USD
5/20/202611.02 USD
5/19/202611.06 USD
5/18/202611.06 USD
5/15/202610.85 USD
5/14/202610.63 USD
5/13/202610.74 USD
5/12/202610.59 USD
5/11/202610.17 USD
5/8/202610.53 USD
5/7/202610.85 USD
5/6/202610.44 USD
5/5/202611.87 USD
5/4/202611.65 USD
5/1/202611.82 USD
4/30/202611.90 USD
4/29/202611.85 USD
4/28/202612.25 USD
4/27/202612.12 USD
4/24/202612.02 USD
4/23/202611.94 USD
4/22/202611.68 USD
4/21/202611.86 USD
4/20/202611.93 USD
4/17/202611.91 USD
4/16/202611.80 USD
4/15/202611.73 USD
4/14/202611.62 USD
4/13/202611.48 USD
4/10/202611.47 USD
4/9/202611.73 USD
4/8/202611.48 USD
4/7/202611.26 USD
4/6/202611.11 USD
4/2/202610.97 USD
4/1/202610.99 USD
3/31/202611.25 USD
3/30/202611.31 USD
3/27/202611.13 USD
3/26/202611.49 USD
3/25/202611.47 USD
3/24/202611.34 USD
3/23/202611.36 USD
3/20/202611.06 USD
3/19/202611.06 USD
3/18/202611.06 USD
3/17/202611.42 USD
3/16/202611.36 USD
3/13/202611.31 USD
3/12/202611.30 USD
3/11/202611.14 USD
3/10/202611.58 USD
3/9/202611.50 USD
3/6/202611.63 USD
3/5/202611.63 USD
3/4/202611.68 USD
3/3/202611.60 USD
3/2/202611.54 USD
2/27/202611.39 USD
2/26/202611.36 USD
2/25/202611.27 USD
2/24/202611.05 USD
2/23/202610.69 USD
2/20/202610.89 USD
2/19/202611.13 USD
2/18/202611.01 USD
2/17/202611.29 USD
2/13/202611.09 USD
2/12/202611.07 USD
2/11/202611.06 USD
2/10/202611.14 USD
2/9/202610.98 USD
2/6/202611.31 USD
2/5/202611.25 USD
2/4/202611.18 USD
2/3/202611.07 USD
2/2/202611.22 USD
1/30/202611.05 USD
1/29/202610.97 USD
1/28/202610.81 USD
1/27/202610.85 USD
1/26/202611.03 USD
1/23/202611.06 USD
1/22/202611.16 USD
1/21/202611.24 USD
1/20/202611.03 USD
1/16/202611.07 USD
1/15/202611.25 USD
1/14/202611.29 USD
1/13/202611.12 USD
1/12/202611.27 USD
1/9/202611.31 USD
1/8/202611.70 USD
1/7/202611.33 USD
1/6/202611.15 USD
1/5/202611.42 USD
1/2/202611.38 USD
12/31/202512.63 USD
12/30/202512.56 USD
12/29/202512.48 USD
12/26/202512.54 USD
12/24/202512.68 USD
12/23/202512.71 USD
12/22/202512.88 USD
12/19/202512.74 USD
12/18/202513.03 USD
12/17/202512.78 USD
12/16/202512.81 USD
12/15/202512.82 USD
12/12/202512.67 USD
12/11/202512.65 USD
12/10/202512.24 USD
12/9/202512.19 USD
12/8/202511.92 USD
12/5/202512.01 USD
12/4/202512.20 USD
12/3/202512.28 USD
12/2/202512.10 USD
12/1/202512.16 USD
11/28/202511.95 USD
11/26/202512.00 USD
11/25/202511.95 USD
11/24/202511.85 USD
11/21/202511.70 USD
11/20/202511.23 USD
11/19/202511.35 USD
11/18/202511.64 USD
11/17/202511.66 USD
11/14/202511.68 USD
11/13/202511.95 USD
11/12/202512.04 USD
11/11/202512.04 USD
11/10/202511.97 USD
11/7/202512.14 USD
11/6/202512.19 USD
11/5/202512.40 USD
11/4/202512.06 USD
11/3/202511.74 USD
10/31/202511.84 USD
10/30/202511.73 USD
10/29/202511.91 USD
10/28/202511.63 USD
10/27/202511.80 USD
10/24/202511.89 USD
10/23/202511.87 USD
10/22/202511.93 USD
10/21/202511.86 USD
10/20/202511.83 USD
10/17/202511.80 USD
10/16/202511.65 USD
10/15/202512.13 USD
10/14/202512.30 USD
10/13/202511.99 USD
10/10/202511.87 USD
10/9/202512.05 USD
10/8/202512.30 USD
10/7/202512.11 USD
10/6/202511.85 USD
10/3/202511.67 USD
10/2/202511.41 USD
10/1/202511.15 USD
9/30/202511.39 USD
9/29/202511.26 USD
9/28/202511.26 USD
9/25/202511.58 USD
9/24/202511.32 USD
9/23/202511.16 USD
9/22/202511.46 USD
9/19/202511.22 USD
9/18/202511.14 USD
9/17/202511.13 USD
9/16/202510.90 USD
9/15/202510.89 USD
9/12/202511.04 USD
9/11/202511.06 USD
9/10/202510.78 USD
9/9/202511.06 USD
9/8/202511.27 USD
9/5/202511.38 USD
9/4/202511.66 USD
9/3/202511.16 USD
9/2/202511.33 USD
8/29/202511.06 USD
8/28/202510.87 USD
8/27/202510.70 USD
8/26/202510.49 USD
8/25/202510.50 USD
8/22/202510.87 USD
8/21/202510.90 USD
8/20/202511.03 USD
8/19/202510.91 USD
8/18/202510.66 USD
8/15/202510.92 USD
8/14/202511.07 USD
8/13/202510.88 USD
8/12/202510.69 USD
Access this data via the Eulerpool API

American Coastal Insurance Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2021
228.69 M USD
-1.11 M USD
-57.92 M USD
Jan 1, 2022
220.79 M USD
11.29 M USD
-469.86 M USD
Jan 1, 2023
263.68 M USD
106.77 M USD
309.91 M USD
Jan 1, 2024
296.66 M USD
111.59 M USD
75.72 M USD
Jan 1, 2025
335.44 M USD
153.99 M USD
106.84 M USD
Jan 1, 2026 (e)
516.93 M USD
133.59 M USD
46.82 M USD
Jan 1, 2027 (e)
503.27 M USD
130.07 M USD
49.50 M USD
Jan 1, 2028 (e)
528.44 M USD
136.57 M USD
41.45 M USD

American Coastal Insurance Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 12, 2026, 4:04 AM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
EBITM USD
EBIT MARGIN%
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
20132014201520162017201820192020202120222023202420252026e2027e2028e
208.00280.00357.00487.00654.00723.00825.00846.00228.00220.00263.00296.00335.00516.00503.00528.00
58.7834.6227.5036.4134.2910.5514.112.55-73.05-3.5119.5512.5513.1854.03-2.524.97
27.8834.2924.3714.5817.2815.4910.550.2420.1819.5553.6152.7086.2786.2786.2786.27
58.0096.0087.0071.00113.00112.0087.002.0046.0043.00141.00156.00289.00445.15433.93455.50
34.0064.0041.007.004.005.00-22.00-122.00-1.0011.00106.00111.00153.00133.00130.00136.00
16.3522.8611.481.440.610.69-2.67-14.42-0.445.0040.3037.5045.6725.7825.8425.76
20.0041.0027.005.0010.00-29.00-96.00-57.00-469.00309.0075.00106.0046.0049.0041.00
122.22105.00-34.15-81.48100.00231.03-40.63722.81-165.88-75.7341.33-56.606.52-16.33
0.120.160.200.230.240.240.240.240.240.240.240.240.25
33.3325.0015.004.354.17
16.2120.9121.5321.6542.7542.6942.8042.9042.9743.1045.7149.4449.9349.9349.9349.93
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales American Coastal Insurance generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue American Coastal Insurance retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare American Coastal Insurance's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares American Coastal Insurance has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against American Coastal Insurance's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

American Coastal Insurance stock margins

The American Coastal Insurance margin analysis displays the gross margin, EBIT margin, as well as the profit margin of American Coastal Insurance. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for American Coastal Insurance.
  • 3 Years

  • 5 Years

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  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2021
20.31 %
-0.49 %
-25.33 %
Jan 1, 2022
19.78 %
5.12 %
-212.81 %
Jan 1, 2023
53.69 %
40.49 %
117.53 %
Jan 1, 2024
52.70 %
37.62 %
25.52 %
Jan 1, 2025
86.27 %
45.91 %
31.85 %
Jan 1, 2026 (e)
86.27 %
25.84 %
9.06 %
Jan 1, 2027 (e)
86.27 %
25.84 %
9.84 %
Jan 1, 2028 (e)
86.27 %
25.84 %
7.84 %

American Coastal Insurance Stock Revenue, EBIT, Earnings per Share

The American Coastal Insurance earnings per share therefore indicates how much revenue American Coastal Insurance has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2021
5.32 USD
-0.03 USD
-1.35 USD
Jan 1, 2022
5.12 USD
0.26 USD
-10.90 USD
Jan 1, 2023
5.77 USD
2.34 USD
6.78 USD
Jan 1, 2024
6.00 USD
2.26 USD
1.53 USD
Jan 1, 2025
6.72 USD
3.08 USD
2.14 USD
Jan 1, 2026 (e)
10.60 USD
2.68 USD
0.96 USD
Jan 1, 2027 (e)
10.32 USD
2.60 USD
1.02 USD
Jan 1, 2028 (e)
10.84 USD
2.74 USD
0.85 USD

American Coastal Insurance business model & stock analysis

United Insurance Holdings Corp (UIHC) is a US-based insurance company specializing in the insurance of single-family homes. It was founded in 1999 and is headquartered in Florida. UIHC offers its services in the states of Florida, South Carolina, North Carolina, Rhode Island, and Texas, focusing on property insurance such as homeowners and personal property. UIHC's business model is based on offering tailored insurance coverage for single-family homes that meets the needs and requirements of their customers. The company utilizes a differentiated risk assessment approach to ensure an appropriate balance of price and value. UIHC focuses on protecting the assets of their customers by providing financial assistance in the event of damage to their homes and personal property. The company believes that the best way to operate a successful and sustainable business is by targeting a specific audience. Therefore, UIHC exclusively offers insurance for single-family homes and has successfully implemented this business model. UIHC is divided into two business segments: United Property & Casualty Insurance Company (UPCIC) and UIHC Reinsurance Company Ltd. UPCIC is responsible for customer relations and offers property insurance for single-family homes. UIHC Reinsurance, on the other hand, handles reinsurance operations to protect the financial strength and risk management of the company. UIHC's product range includes various types of property insurance, including homeowners insurance, personal property insurance, flood insurance, wind and hail insurance, and insurance for commercial customers. One particularly important insurance in UIHC's portfolio is homeowners insurance, which provides coverage for physical damage caused by fire, storms, lightning, explosions, or other events to the insured property. Additionally, the company also offers specialized insurance for vacation homeowners and landlords of residential properties. These property insurances are not only valid for single-family homes but also for condominiums and other types of accommodations. UIHC's history is characterized by continuous growth. In 2008, the company was listed on the NASDAQ stock exchange and has since undertaken a series of acquisitions and partnerships to expand its business and deepen its offerings. In 2019, UIHC made a significant acquisition by taking over National General Holdings Corp, a company specializing in auto insurance. This acquisition allowed UIHC to broaden its range of offerings and now offer car insurance to its customers. Overall, UIHC has proven to be a successful property insurance company in recent years. Through its focus on insuring single-family homes and expanding its offerings with specialized property insurances, the company has achieved stable growth and high customer satisfaction. UIHC relies on differentiated risk assessment and an appropriate balance of price and value to ensure that its customers receive reliable insurance coverage.

American Coastal Insurance SWOT Analysis

Strengths

United Insurance Holdings Corp. has a strong financial position with steady revenue growth and healthy cash flow. This enables them to invest in technological advancements and expand their product offerings to meet customer needs.

The company has a diverse portfolio of insurance products, including property, casualty, and flood insurance. This diversification helps them mitigate risks and capitalize on various market opportunities.

United Insurance Holdings Corp. has established a strong reputation and brand presence in the insurance industry. Their quality customer service, prompt claims processing, and competitive pricing have helped them retain a loyal customer base.

Weaknesses

The company's dependence on external reinsurance providers could expose them to potential reinsurance market fluctuations and increased costs. This reliance on third-party providers may limit their control over underwriting decisions.

United Insurance Holdings Corp. operates primarily in the United States, making them vulnerable to regional economic downturns or natural disasters that could impact their policyholders and financial performance.

The company's limited market share, compared to larger competitors, could hinder their ability to negotiate favorable reinsurance agreements or procure favorable pricing from suppliers.

Opportunities

The increasing demand for insurance coverage, particularly in catastrophe-prone regions, presents growth opportunities for United Insurance Holdings Corp. They can capitalize on this trend by expanding their geographic presence and product offerings.

Advancements in technology, such as data analytics and machine learning, provide an opportunity for the company to enhance risk assessment models, improve underwriting processes, and streamline claims handling.

Strategic partnerships and collaborations with other insurance companies or industry stakeholders can help United Insurance Holdings Corp. leverage their expertise and resources to drive innovation and expand their customer reach.

Threats

Intense competition in the insurance market poses a threat to United Insurance Holdings Corp. They face competition from other established carriers as well as new entrants utilizing technology-driven business models.

Changes in regulatory requirements and compliance standards can increase operational costs and administrative burdens for the company. They must stay abreast of evolving regulations to ensure compliance and avoid penalties.

Economic downturns, natural disasters, or unexpected events can negatively impact the financial performance of United Insurance Holdings Corp. They need to be prepared to handle increased claims volume and potential financial losses during such periods.

American Coastal Insurance Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

American Coastal Insurance historical P/E ratio, EBIT multiple, and P/S ratio

American Coastal Insurance annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

American Coastal Insurance shares outstanding

The number of shares of American Coastal Insurance was 49.93 M in 2025. This indicates how many shares American Coastal Insurance is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
42.97 M Stocks
Jan 1, 2022
43.10 M Stocks
Jan 1, 2023
45.71 M Stocks
Jan 1, 2024
49.44 M Stocks
Jan 1, 2025
49.93 M Stocks
Jan 1, 2026 (e)
49.93 M Stocks
Jan 1, 2027 (e)
49.93 M Stocks
Jan 1, 2028 (e)
49.93 M Stocks

American Coastal Insurance Dividend History

14 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.75USDYTD
Jan 2, 20260.75USD 50.0%1/1
20250.50USD 0.0%
Jan 2, 20250.50USD 733.3%1/1
20240.50USD 733.3%
20220.06USD 75.0%
20210.24USD 0.0%
20200.24USD 0.0%
20190.24USD 0.0%
20180.24USD 0.0%
20170.24USD 4.3%
20160.23USD 15.0%

American Coastal Insurance dividend history and estimates

In 2025, American Coastal Insurance paid a dividend amounting to 0.50 USD. Dividend means that American Coastal Insurance distributes a portion of its profits to its owners.
  • Max

Dividend
Dividend (Estimate)
Special dividend
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2020
0.24 USD
0.00 USD
0.00 USD
Jan 1, 2021
0.24 USD
0.00 USD
0.00 USD
Jan 1, 2022 (e)
0.06 USD
0.18 USD
0.00 USD
Jan 1, 2024 (e)
0.50 USD
0.00 USD
0.00 USD
Jan 1, 2025 (e)
0.50 USD
0.00 USD
0.00 USD
Jan 1, 2026 (e)
0.00 USD
0.24 USD
0.00 USD
Jan 1, 2027 (e)
0.00 USD
0.24 USD
0.00 USD
Jan 1, 2028 (e)
0.00 USD
0.25 USD
0.00 USD

American Coastal Insurance dividend payout ratio

In 2025, American Coastal Insurance had a payout ratio of 23.37%. The payout ratio indicates the percentage of the company's profits that American Coastal Insurance distributes as dividends.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2021
-17.81 %
Jan 1, 2022
-0.55 %
Jan 1, 2023
1,219.23 %
Jan 1, 2024
1,591.92 %
Jan 1, 2025
23.37 %
Jan 1, 2026 (e)
25.21 %
Jan 1, 2027 (e)
24.05 %
Jan 1, 2028 (e)
28.97 %

Current American Coastal Insurance forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
75.00 % (6)
Hold
25.00 % (2)
Sell
0.00 % (0)
12M Price Target
14.28
Last Price
9.95
Currency
USD
12M Return Potential
43.52 %
LTM Return
0 %

American Coastal Insurance Analyst Rating Actions

DateFirmActionRatingReliability
11/12/2024
Raymond James
Raymond James
MaintainedOutperform74
5/9/2022
Wells Fargo
Wells Fargo
MaintainedUnderweight56
8/9/2021
Raymond James
Raymond James
DowngradeOutperformMarket Perform74
7/8/2021
Wells Fargo
Wells Fargo
MaintainedUnderweight56
4/18/2021
Raymond James
Raymond James
MaintainedOutperform74
2/28/2021
Raymond James
Raymond James
MaintainedOutperform74
11/8/2020
Raymond James
Raymond James
MaintainedOutperform74
9/22/2020
Wells Fargo
Wells Fargo
MaintainedUnderweight56
9/20/2020
Raymond James
Raymond James
MaintainedOutperform74
4/2/2020
Raymond James
Raymond James
MaintainedOutperform74

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

American Coastal Insurance Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
8/12/20260.43USD-71.07 MUSD-2026 Q2
5/7/20260.45USD-72.55 MUSD-2026 Q1
2/25/20260.43USD-79.49 MUSD-2025 Q4
11/11/20240.15USD-80.54 MUSD-2024 Q3
5/13/20240.26USD-63.54 MUSD-2024 Q1

EESG©

Eulerpool ESG Scorecard© for the American Coastal Insurance stock

30/100
8
Environment
31
Social
50
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

American Coastal Insurance shareholder structure

% Name
24.35219%
Peed FLP1, Ltd, L.L.P.
Peed FLP1, Ltd, L.L.P.
6.03173%
Peed (Leah Anneberg)
Peed (Leah Anneberg)
4.06384%
Peed (Robert Daniel)
Peed (Robert Daniel)
3.38317%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
2.78601%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
2.44368%
Tieton Capital Management, LLC
Tieton Capital Management, LLC
...

American Coastal Insurance Beneficial Ownership Filings (SEC 13D/G)

Free Float
50.5%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
10.40%
Stellantis N.V.
Stellantis N.V.
SEC ↗
6.90%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
5.00%
STATE STREET CORPORATION
STATE STREET CORPORATION
SEC ↗
4.94%
ARK Investment Management LLC
ARK Investment Management LLC
SEC ↗

American Coastal Insurance Executives and Management Board

15 members · avg. age 65 · 20 % women

BM

Mr. Bennett Martz (53)

President, Chief Executive Officer

1.74 M USD

Management

CG

Mr. Christopher Griffith (49)

Chief Operating Officer, Chief Information Officer

1.23 M USD
BA

Ms. Brook Adler (48)

General Counsel

942,607.00 USD
SC

Ms. Svetlana Castle (43)

Chief Financial Officer

901,107.00 USD
JG

Mr. James Gray (62)

Chief Compliance and Risk Officer

KD

Ms. Karin Daly

Investor Relations · since 2022

Board of Directors

RP

Mr. R. Daniel Peed (62)

Executive Chairman of the Board · since 2017

422,300.00 USD
GB

Mr. Gregory Branch (77)

Independent Chairman Emeritus

186,150.00 USD
SH

Mr. Sherrill Hudson (82)

Independent Director

156,150.00 USD
KW

Mr. Kent Whittemore (77)

Independent Director

148,650.00 USD
AP

Mr. Alec Poitevint (77)

Lead Independent Director

146,150.00 USD
KD

Dr. Kern Davis (70)

Independent Director

146,150.00 USD

Frequently asked questions about American Coastal Insurance

The business model of United Insurance Holdings Corp, also known as UIHC, revolves around providing property and casualty insurance products to individuals and businesses. UIHC specializes in underwriting homeowners insurance, condo insurance, renters insurance, and commercial residential and commercial insurance policies. The company focuses on offering tailored coverage solutions to match the needs of its customers while maintaining competitive pricing. With a commitment to customer service and risk management, UIHC aims to protect its policyholders' assets and provide financial security against unexpected events.

United Insurance Holdings Corp is primarily active in the insurance industry.

The main competitors of United Insurance Holdings Corp in the market include Arch Capital Group Ltd., HCI Group Inc., and Universal Insurance Holdings Inc.

United Insurance Holdings Corp., commonly known as UPC Insurance, is a property and casualty insurance company founded in 1999. Headquartered in St. Petersburg, Florida, UPC Insurance offers a range of insurance products primarily focused on personal residential including homeowners insurance, as well as commercial residential property insurance. With a strong emphasis on customer satisfaction and risk management, UPC Insurance has expanded its presence across several states in the United States, providing coverage to policyholders in regions prone to natural disasters. The company's commitment to innovation and personalized service has enabled it to build a solid reputation within the insurance industry.

United Insurance Holdings Corp, commonly known as UIHC, has achieved several significant milestones. Since its inception, the company has established a strong presence in the insurance industry, offering a wide range of property and casualty insurance products. UIHC has experienced consistent growth and expansion, both organically and through strategic acquisitions. The company has successfully increased its market share, strengthened its financial position, and established a solid track record of profitability. UIHC's commitment to customer satisfaction, innovative product offerings, and strong underwriting discipline has contributed to its success in the insurance market. Notably, UIHC has been recognized as one of the top insurance companies in terms of financial strength and stability.

United Insurance Holdings Corp is primarily present in the United States.

United Insurance Holdings Corp (UIHC) embodies a strong set of values and corporate philosophy. With a commitment to excellence, UIHC strives to provide exceptional insurance services and strong financial security to its customers. The company's core values include integrity, customer focus, innovation, and community involvement. UIHC aims to establish long-lasting relationships built on trust and reliability. By delivering personalized solutions and superior customer service, UIHC prioritizes customer satisfaction and peace of mind. As a forward-thinking organization, UIHC emphasizes innovation in its insurance products and services, ensuring it meets evolving customer needs. Through active community engagement, UIHC actively contributes to the betterment of the communities it serves.

Analysts currently set an average price target of 14.28 USD for the American Coastal Insurance stock (median: 14.28 USD), implying +43.5 % versus the latest price. The consensus is based on 8 analyst ratings.

8 analysts currently rate the American Coastal Insurance stock: 6 recommend buying, 2 holding and 0 selling. For 2026, analysts expect American Coastal Insurance to generate revenue of 516.93 M USD and earnings per share of 0.94 USD.

Converted at the current exchange rate, the American Coastal Insurance share trades at 8.62 EUR (9.95 USD).

The American Coastal Insurance share (ACIC) is listed on 2 stock exchanges, including: NASDAQ (UIHC), Frankfurt (0UI.F).

United Insurance Holdings Corp (UIHC) is a US-based insurance company headquartered in St. Petersburg, Florida. The company is listed on the NASDAQ stock exchange under the ticker symbol UIHC and offers a wide range of property and casualty insurance for residential buildings, businesses, and individuals. UIHC operates its business in three segments: Residential Property and Casualty Insurance, Commercial Property and Casualty Insurance, and Reinsurance. In the Residential Property and Casualty Insurance segment, the company offers a variety of products such as home insurance, property damage liability insurance, flood protection, vandalism protection, theft protection, and more. In the Commercial Property and Casualty Insurance segment, the company provides policies for businesses, focusing on small and medium-sized enterprises. This includes insurance for commercial properties, liability insurance, transportation insurance, disability insurance, and business contents and damage insurance. Additionally, the company also offers reinsurance, which allows them to operate in a much larger market. Through reinsurance, United Insurance Holdings Corp protects its own portfolio while helping other companies minimize risks that may arise from natural disasters or other unforeseen events. The company has designed unique solutions for its customers to meet the needs of each individual. For customers in flood-prone areas, there is a special policy tailored to the risk of flooding. Similarly, there are special policies for small businesses to ensure that every entrepreneur is able to protect their assets. As an added value, the company offers online access to all insurance policies through the "UPC Agent Portal" app. With this app, customers can file claims and track claims at any time - all with just a few clicks on their phone from anywhere. Another focus of UIHC in recent years has been expansion. Through acquisitions and partnerships with other companies, the company is constantly looking for opportunities to expand its reach. An example of this is the acquisition of Sunshine State Insurance Company in 2018, a Florida-based insurance company specializing in home insurance. In summary, the business model of United Insurance Holdings Corp is designed to provide the best possible coverage for its customers. With a wide range of policies and specializations for different risks, the company is able to provide tailored insurance solutions for each customer. With constant expansion and adaptation to the changing market, UIHC is on the right track to make a lasting impression in the insurance industry.

The expected revenue of American Coastal Insurance is 516.93 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of American Coastal Insurance is 46.82 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of American Coastal Insurance is currently 10.61. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the American Coastal Insurance stock.

The price-to-sales ratio (P/S) of American Coastal Insurance is currently 0.96. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the American Coastal Insurance stock.

The Eulerpool Quality Score for American Coastal Insurance is 5/10.

The ISIN of American Coastal Insurance is US9107101027. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of American Coastal Insurance is A1KAG3. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of American Coastal Insurance is ACIC. The ticker symbol is used to trade American Coastal Insurance shares on the stock exchange.

Over the past 12 months, American Coastal Insurance paid a dividend of 0.50 USD . This corresponds to a dividend yield of about 5.03 %. For the coming 12 months, American Coastal Insurance is expected to pay a dividend of 0.24 USD.

The current dividend yield of American Coastal Insurance is 5.03 %.

American Coastal Insurance pays a dividend, distributed in the months of , , , .

American Coastal Insurance paid dividends every year for the past 1 years.

For the upcoming 12 months, dividends amounting to 0.24 USD are expected. This corresponds to a dividend yield of 2.45 %.

American Coastal Insurance is assigned to the 'Finance' sector.

To receive the latest dividend of American Coastal Insurance from amounting to 0.75 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, American Coastal Insurance distributed 0.5 USD as dividends.

The dividends of American Coastal Insurance are distributed in USD.

All fundamentals and in-depth analysis of American Coastal Insurance

Our stock analysis for American Coastal Insurance stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of American Coastal Insurance. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.