ACIC
Bullish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Supports a bullish reading. Current ratio 1.22 · operating margin 43%
- Narrative Supports a bullish reading. Stored narrative reading is in the bullish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 10000 titres (~91500 USD)
- Insiders
- MARTZ BRAD
- Total bought
-
$91,500
Avg buy (VWAP, 90d window) $9.15 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) $9.40 vs last close —
- Last activity
- 2026-09-22
- Last synced
-
2026-09-25 10:23:36
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-22 | MARTZ BRAD | Buy | 10,000 | $9.15 | $91,500 | Form 4 |
| 2026-08-17 | Griffith Christopher | Sell | 22,000 | $9.40 | $206,800 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bullish signalScored 2026-09-25
ACIC presents a compelling event-driven setup: insider cluster buying by a key executive, anchored by a landmark AmRisc contract restructuring providing 4-year revenue visibility, and reinforced by BlackRock's new…
The first sentence of the analysis written for ACIC on 2026-09-25 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 86.3% | 52.7% | 53.7% | 19.8% | 20.3% | |
| Ebit Margin | 45.8% | 38.3% | 40.6% | 5.1% | -0.5% | |
| Ebitda Margin | 51.9% | 41.3% | 44.6% | 15.6% | 4.7% | |
| Operating Profit Margin | 42.6% | 37.6% | 36.4% | 0.8% | -4.6% | |
| Pretax Profit Margin | 42.6% | 34.3% | 36.4% | 0.8% | -4.6% | |
| Continuous Operations Profit Margin | 31.8% | 25.7% | 32.3% | -11.1% | -1.6% | |
| Net Profit Margin | 31.8% | 25.5% | 117.5% | -212.8% | -25.3% | |
| Bottom Line Profit Margin | 31.8% | 25.5% | 117.5% | -212.8% | -25.3% | |
| Current Ratio | 1.216 | 0.000 | 2.034 | 17.297 | 6.008 | |
| Quick Ratio | 1.216 | 0.000 | 11.595 | 20.229 | 7.130 | |
| Solvency Ratio | 0.169 | 0.086 | 0.360 | -0.148 | -0.020 | |
| Cash Ratio | 0.334 | 0.000 | 1.838 | 1.711 | 0.653 | |
| Price To Earnings Ratio | 5.741 | 8.519 | 1.366 | -0.098 | -3.215 | |
| Price To Earnings Growth Ratio | 0.146 | -0.110 | -0.008 | -0.000 | 0.080 | |
| Forward Price To Earnings Growth Ratio | 0.146 | -0.110 | -0.008 | -0.000 | 0.080 | |
| Price To Earnings Diluted Ratio | 5.874 | 8.797 | 1.391 | -0.098 | -3.215 | |
| Price To Earnings Diluted Growth Ratio | 0.145 | -0.113 | -0.008 | -0.000 | 0.080 | |
| Price To Book Ratio | 1.928 | 2.732 | 2.508 | -0.253 | 0.597 | |
| Price To Sales Ratio | 1.825 | 2.170 | 1.605 | 0.207 | 0.815 | |
| Price To Free Cash Flow Ratio | 8.639 | 2.644 | -3.108 | -0.259 | -0.620 | |
| Price To Operating Cash Flow Ratio | 8.620 | 2.644 | -3.113 | -0.264 | -0.631 | |
| Debt To Assets Ratio | 0.142 | 0.125 | 0.141 | 0.053 | 0.059 | |
| Debt To Equity Ratio | 0.480 | 0.646 | 0.886 | -0.833 | 0.507 | |
| Debt To Capital Ratio | 0.324 | 0.393 | 0.470 | -4.978 | 0.337 | |
| Long Term Debt To Capital Ratio | 0.320 | 0.387 | 0.468 | -4.661 | 0.334 | |
| Financial Leverage Ratio | 3.378 | 5.160 | 6.283 | -15.758 | 8.638 | |
| Working Capital Turnover Ratio | 5.222 | 7.591 | 0.232 | 0.116 | 0.281 | |
| Operating Cash Flow Ratio | 0.119 | 0.000 | -1.799 | -1.288 | -0.909 | |
| Operating Cash Flow Sales Ratio | 0.212 | 0.821 | -0.516 | -0.784 | -1.292 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.998 | 1.000 | 1.001 | 1.018 | 1.018 | |
| Debt Service Coverage Ratio | 12.779 | 8.101 | 9.812 | 0.711 | 1.512 | |
| Interest Coverage Ratio | 13.198 | 9.302 | 8.835 | 0.177 | -1.120 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | -82.239 | -135.874 | |
| Operating Cash Flow Coverage Ratio | 0.466 | 1.598 | -0.910 | -1.154 | -1.864 | |
| Capital Expenditure Coverage Ratio | 458.226 | 11,068.591 | -693.893 | -56.814 | -56.041 | |
| Dividend Paid And Capex Coverage Ratio | 2.912 | 10.094 | -693.893 | -30.716 | -18.910 | |
| Dividend Payout Ratio | 0.227 | 0.318 | 0.000 | -0.006 | -0.179 | |
| Enterprise Value Multiple | 3.250 | 5.379 | 3.690 | -0.992 | 12.471 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 86.3% | ▲33.6% | ▲39.7% |
| Ebit Margin | 45.8% | ▲7.5% | ▲19.9% |
| Ebitda Margin | 51.9% | ▲10.6% | ▲20.3% |
| Operating Profit Margin | 42.5% | ▲4.9% | ▲20.0% |
| Pretax Profit Margin | 42.5% | ▲8.3% | ▲20.7% |
| Continuous Operations Profit Margin | 31.8% | ▲6.1% | ▲16.4% |
| Net Profit Margin | 31.9% | ▲6.3% | ▲44.5% |
| Bottom Line Profit Margin | 31.9% | ▲6.3% | ▲44.5% |
| Current Ratio | 1.216 | ▲1.216 | ▼-4.095 |
| Quick Ratio | 1.216 | ▲1.216 | ▼-6.818 |
| Solvency Ratio | 0.169 | ▲0.083 | ▲0.079 |
| Cash Ratio | 0.334 | ▲0.334 | ▼-0.573 |
| Price To Earnings Ratio | 5.741 | ▼-2.778 | ▲3.278 |
| Price To Earnings Growth Ratio | 0.146 | ▲0.256 | ▲0.125 |
| Forward Price To Earnings Growth Ratio | 0.146 | ▲0.256 | ▲0.125 |
| Price To Earnings Diluted Ratio | 5.874 | ▼-2.923 | ▲3.324 |
| Price To Earnings Diluted Growth Ratio | 0.145 | ▲0.258 | ▲0.124 |
| Price To Book Ratio | 1.928 | ▼-0.804 | ▲0.426 |
| Price To Sales Ratio | 1.825 | ▼-0.345 | ▲0.501 |
| Price To Free Cash Flow Ratio | 8.639 | ▲5.995 | ▲7.180 |
| Price To Operating Cash Flow Ratio | 8.620 | ▲5.976 | ▲7.169 |
| Debt To Assets Ratio | 0.142 | ▲0.017 | ▲0.038 |
| Debt To Equity Ratio | 0.480 | ▼-0.166 | ▲0.143 |
| Debt To Capital Ratio | 0.324 | ▼-0.068 | ▲1.015 |
| Long Term Debt To Capital Ratio | 0.320 | ▼-0.068 | ▲0.950 |
| Financial Leverage Ratio | 3.378 | ▼-1.782 | ▲1.838 |
| Working Capital Turnover Ratio | 5.222 | ▼-2.369 | ▲2.534 |
| Operating Cash Flow Ratio | 0.119 | ▲0.119 | ▲0.895 |
| Operating Cash Flow Sales Ratio | 0.212 | ▼-0.609 | ▲0.523 |
| Free Cash Flow Operating Cash Flow Ratio | 0.998 | ▼-0.002 | ▼-0.009 |
| Debt Service Coverage Ratio | 12.780 | ▲4.678 | ▲6.196 |
| Interest Coverage Ratio | 13.198 | ▲3.895 | ▲7.119 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▲43.623 |
| Operating Cash Flow Coverage Ratio | 0.466 | ▼-1.133 | ▲0.838 |
| Capital Expenditure Coverage Ratio | 458.226 | ▼-10610.365 | ▼-1685.788 |
| Dividend Paid And Capex Coverage Ratio | 2.912 | ▼-7.182 | ▲149.014 |
| Dividend Payout Ratio | 0.227 | ▼-0.091 | ▲0.155 |
| Enterprise Value Multiple | 3.250 | ▼-2.129 | ▼-1.510 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $612.3M | $643.8M | $423.3M | $45.6M | $186.4M | |
| Enterprise value | $566.0M | $659.1M | $433.9M | -$34.2M | $132.9M | |
| EV / Sales | 1.69x | 2.22x | 1.65x | -0.15x | 0.58x | |
| EV / Op. cash flow | 7.97x | 2.71x | -3.19x | 0.20x | -0.45x | |
| EV / Free cash flow | 7.99x | 2.71x | -3.19x | 0.19x | -0.44x | |
| EV / EBITDA | 3.25x | 5.38x | 3.69x | -0.99x | 12.47x | |
| Net debt / EBITDA | -0.27x | 0.12x | 0.09x | -2.32x | -5.02x | |
| Current ratio | 1.22x | 0.00x | 2.03x | 17.30x | 6.01x | |
| Income quality | 0.67x | 3.22x | -0.44x | 0.37x | 4.93x | |
| Graham number | $18 | $13 | $25 | — | — | |
| Graham net-net | -$6 | -$10 | -$19 | -$46 | -$20 | |
| Tax burden | 74.9% | 74.5% | 322.6% | -27950.9% | 556.0% | |
| Interest burden | 93.0% | 89.4% | 89.8% | 15.1% | 935.1% | |
| Working capital | $128.5M | $0 | $78.2M | $2.19B | $1.63B | |
| Invested capital | $230.0M | $71.1M | $150.4M | $2.28B | $1.75B | |
| Return on assets | 10.0% | 6.2% | 29.2% | -16.5% | -2.1% | |
| Operating ROA | 12.5% | 9.8% | 4.9% | 0.1% | -0.4% | |
| Return on tangible assets | 11.0% | 6.6% | 31.2% | -17.0% | -2.2% | |
| Return on equity | 33.6% | 32.1% | 183.6% | 260.8% | -18.5% | |
| Return on invested capital | 22.4% | 0.0% | 20.2% | -0.9% | -0.2% | |
| Return on capital employed | 29.9% | 9.2% | 9.8% | 0.1% | -0.4% | |
| Earnings yield | 17.4% | 11.8% | 73.2% | -1029.6% | -31.1% | |
| Free cash flow yield | 11.6% | 37.8% | -32.2% | -386.0% | -161.3% | |
| Capex / Op. cash flow | 0.2% | 0.0% | -0.1% | -1.8% | -1.8% | |
| Capex / Depreciation | 2.4% | 0.2% | 1.8% | 13.1% | 44.8% | |
| Capex / Sales | 0.0% | 0.0% | 0.1% | 1.4% | 2.3% | |
| SG&A / Sales | 0.0% | 12.5% | 12.1% | 14.5% | 13.7% | |
| R&D / Sales | 0.0% | 120.6% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.3% | 0.9% | 0.5% | 0.6% | 0.5% | |
| Intangibles / Total assets | 9.4% | 5.4% | 6.4% | 2.5% | 3.4% | |
| Days sales outstanding | 226d | 381d | 535d | 1382d | 1718d | |
| Days payables outstanding | 1424d | 440d | 226d | 216d | 651d | |
| Operating cycle | 226d | 381d | -1625d | 570d | 988d | |
| Cash conversion cycle | -1198d | -59d | -1851d | 354d | 337d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-4.9%EV / Sales ▼-24.1%EV / EBITDA ▼-39.6%EV / Op. cash flow ▲+5.262Earnings yield ▲+0.057Graham number ▲+4.776
Profitability
Return on equity ▲+0.015Return on assets ▲+0.037Return on invested capital n/aReturn on capital employed ▲+0.207Operating ROA ▲+0.027Income quality ▼-2.551Tax burden ▲+0.004
Efficiency
Days sales outstanding ▼-155.275Days payables outstanding ▲+983.684Operating cycle ▼-155.275Cash conversion cycle ▼-1138.959Capex / Sales +0.000R&D / Sales ▼-1.206
Balance-sheet strength
Current ratio n/aNet debt / EBITDA ▼-0.391Working capital n/aInvested capital ▲+158834000.000Intangibles / Total assets ▲+0.040
Change over 5 years
Valuation
Market cap ▲+228.5%EV / Sales ▲+190.4%EV / EBITDA ▼-73.9%EV / Op. cash flow ▲+8.419Earnings yield ▲+0.485
Profitability
Return on equity ▲+0.522Return on assets ▲+0.121Return on invested capital ▲+0.225Return on capital employed ▲+0.303Operating ROA ▲+0.128Income quality ▼-4.269Tax burden ▼-4.812
Efficiency
Days sales outstanding ▼-1491.719Days payables outstanding ▲+773.366Operating cycle ▼-761.633Cash conversion cycle ▼-1534.999Capex / Sales ▼-0.023R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-4.792Net debt / EBITDA ▲+4.759Working capital ▼-1498560000.000Invested capital ▼-1520056000.000Intangibles / Total assets ▲+0.060
Employee count
No employee-count data synced.
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-09-14 American Coastal Insurance Corporation Announces Restructured Exclusive Managing Agency Agreement with AmRisc, LLC Agreement Removes Fixed Expiration Date and Requires 48 Months'' Advance Notice to Terminate, Providing a Minimum Four-Year Term at All Times Agreement Removes Fixed Expiration Date and Requires 48 Months'' Advance Notice to Terminate, Providing a Minimum Four-Year Term at All Times
- 2026-09-03 BlackRock Inc. Acquires Shares of 2,280,065 American Coastal Insurance Corporation $ACIC BlackRock Inc. bought a new position in shares of American Coastal Insurance Corporation (NASDAQ: ACIC) in the second quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The fund bought 2,280,065 shares of the company''s stock, valued at approximately $25,309,000. BlackRock Inc. owned 4.71% of American
- 2026-08-29 American Coastal Maps E&S Expansion as Florida Insurance Pricing Softens American Coastal Insurance NASDAQ: ACIC outlined its strategy for navigating a softer Florida commercial residential insurance market, emphasizing underwriting discipline, reinsurance protection and planned expansion into the excess-and-surplus, or E&S, market during a Midwest IDEAS Investor Conference presentation.
- 2026-08-06 American Coastal Insurance Corporation (ACIC) Q2 2026 Earnings Call Transcript American Coastal Insurance Corporation (ACIC) Q2 2026 Earnings Call Transcript
- 2026-08-05 American Coastal (ACIC) Reports Q2 Earnings: What Key Metrics Have to Say While the top- and bottom-line numbers for American Coastal (ACIC) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
- 2026-08-05 American Coastal Insurance (ACIC) Lags Q2 Earnings and Revenue Estimates American Coastal Insurance (ACIC) came out with quarterly earnings of $0.33 per share, missing the Zacks Consensus Estimate of $0.42 per share. This compares to earnings of $0.54 per share a year ago.
- 2026-08-05 American Coastal Insurance Q2 Earnings Call Highlights American Coastal Insurance NASDAQ: ACIC reported second-quarter net income of $21.9 million as the Florida commercial residential property insurer navigated lower pricing and catastrophe losses while maintaining what management described as disciplined underwriting.
- 2026-08-05 American Coastal Insurance Corporation Reports Financial Results for Its Second Quarter Ended June 30, 2026 Company to Host Quarterly Conference Call at 5:00 P.M. ET on August 5, 2026 The information in this press release should be read in conjunction with an earnings presentation that is available on the Company''s website at investors.amcoastal.com/events-and-presentations .
- 2026-07-29 Earnings Preview: American Coastal Insurance (ACIC) Q2 Earnings Expected to Decline American Coastal (ACIC) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-07-03 ESNT or ACIC: Which Is the Better Value Stock Right Now? Investors interested in stocks from the Insurance - Property and Casualty sector have probably already heard of Essent Group (ESNT) and American Coastal Insurance (ACIC). But which of these two companies is the best option for those looking for undervalued stocks?