American Coastal Insurance Corporation ACIC | NASDAQ
$9.97
$0.19 | 1.94%
TREND SIGNAL:
|2026-10-09
|2026-10-09
Company Overview:
Market Cap:
$462.30M
Trailing PE:
5x
FWD PE *:
10.4x
Payout Ratio (TTM):
36.5%
52-Week Range:
$9.01 - $13.06
* Forward PE is based on street estimates.
10 Year ACIC Performance Metrics:
Total Return (with DRIP):
-16.1% (-1.74% CAGR)
Total Return (no DRIP):
-16.7% (-1.82% CAGR)
Share Price:
-33.5% (-4.00% CAGR)
Yield on Cost (with DRIP):
25.25%
Total Invested:
$10,000
Total Value (with DRIP):
$8,390
Total Return $ (with DRIP):
-$1,610
Dividend Increase:
733% (27.15% CAGR)
Dividend Yield (FWD):
30.09% ($3.00)
ACIC 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
ACIC Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
ACIC Price CAGR:1Y: -16.85%2Y: -3.15%5Y: 18.71%10Y: -4.00%
ACIC Dividend Charts
ACIC Dividend CAGR:1Y: 1,150.00%2Y: 253.55%5Y: 65.72%10Y: 33.13%
ACIC Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
ACIC Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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ACIC Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
ACIC Revenue CAGR:1Y: -4.48%2Y: 9.61%5Y: -11.90%10Y: -3.75%
ACIC EPS CAGR:1Y: -16.98%2Y: 4.88%5Y: 0.00%10Y: -0.22%
ACIC Net Income CAGR:1Y: -17.19%2Y: 7.20%5Y: 0.00%10Y: 8.33%
ACIC EBITDA CAGR:1Y: -24.94%2Y: 2.17%5Y: 57.47%10Y: 7.72%
ACIC Free Cash Flow CAGR:1Y: -54.47%2Y: -32.11%5Y: 9.64%10Y: 18.45%
ACIC Free Cash Flow / Share CAGR:1Y: -54.14%2Y: -32.30%5Y: 7.08%10Y: 9.24%
ACIC Operating Income CAGR:1Y: -24.36%2Y: 1.62%5Y: 0.00%10Y: 9.66%
ACIC Gross Profit CAGR:1Y: -14.11%2Y: -23.98%5Y: 0.00%10Y: 0.00%
ACIC Shares Outstanding CAGR:1Y: -0.67%2Y: -0.10%5Y: 2.80%10Y: 8.59%
ACIC Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
ACIC Stock-Based Comp CAGR:1Y: 16.45%2Y: 48.19%5Y: 64.55%10Y: 13.76%
ACIC Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: -31.98%10Y: -12.94%
ACIC Revenue CAGR:1Y: -4.48%2Y: 9.61%5Y: -11.90%10Y: -3.75%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
ACIC Actual Revenue CAGR:1Y: -4.48%2Y: 9.61%5Y: -11.90%10Y: -3.75%
ACIC Actual EPS CAGR:1Y: -16.98%2Y: 4.88%5Y: 0.00%10Y: -0.22%
ACIC Actual Net Income CAGR:1Y: -17.19%2Y: 7.20%5Y: 0.00%10Y: 8.33%
ACIC Actual EBITDA CAGR:1Y: -24.94%2Y: 2.17%5Y: 57.47%10Y: 7.72%
Ratios, Profit Margins & Return on Capital:
ACIC Net Profit Margin CAGR:1Y: -13.32%2Y: -2.20%5Y: 0.00%10Y: 12.55%
ACIC Gross Profit Margin CAGR:1Y: -10.08%2Y: -30.65%5Y: -13.62%10Y: -7.06%
ACIC Price to Earnings CAGR:1Y: 19.35%2Y: -5.87%5Y: 0.00%10Y: -3.83%
ACIC Price To Sales Ratio CAGR:1Y: 3.77%2Y: -7.46%5Y: 18.77%10Y: 8.35%
ACIC Return on Capital Employed CAGR:1Y: -32.50%2Y: 11.83%5Y: 0.00%10Y: 15.17%
ACIC Return on Invested Capital CAGR:1Y: -30.30%2Y: 12.16%5Y: 0.00%10Y: 5.36%
ACIC Dividends Info:
Annual Dividend:
$3
Forward Yield:
30.09%
Ex-Dividend Date:
2026-01-02
Lifetime Dividends / Share:
$2.51
ACIC Dividend History: Dates, Payments & Yield list
Below is a schedule of all ACIC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 01/02/2026 | 01/05/2026 | $0.750 | 26.36% | 26.27% | $11.42 |
| 01/02/2025 | 01/06/2025 | $0.500 | 15.71% | 16.58% | $12.06 |
| 03/08/2022 | 03/16/2022 | $0.060 | 6.98% | 6.84% | $3.51 |
| 11/19/2021 | 11/29/2021 | $0.060 | 5.21% | 5.62% | $4.27 |
| 08/09/2021 | 08/17/2021 | $0.060 | 2.42% | 2.4% | $9.98 |
| 05/14/2021 | 05/24/2021 | $0.060 | 2.43% | 2.42% | $9.91 |
| 03/01/2021 | 03/09/2021 | $0.060 | 1.87% | 2.2% | $10.93 |
| 11/20/2020 | 11/30/2020 | $0.060 | 5.16% | 5.42% | $4.43 |
| 08/10/2020 | 08/18/2020 | $0.060 | 2.56% | 2.92% | $8.22 |
| 05/18/2020 | 05/26/2020 | $0.060 | 2.92% | 3.22% | $7.45 |
| 03/03/2020 | 03/11/2020 | $0.060 | 2.45% | 2.74% | $8.75 |
| 11/18/2019 | 11/26/2019 | $0.060 | 1.86% | 1.9% | $12.65 |
| 08/13/2019 | 08/21/2019 | $0.060 | 2.1% | 1.87% | $12.82 |
| 05/13/2019 | 05/21/2019 | $0.060 | 1.67% | 1.76% | $13.60 |
| 03/05/2019 | 03/13/2019 | $0.060 | 1.5% | 1.47% | $16.37 |
| 11/19/2018 | 11/27/2018 | $0.060 | 1.25% | 1.3% | $18.49 |
| 08/10/2018 | 08/20/2018 | $0.060 | 1.15% | 1.14% | $21.04 |
| 05/21/2018 | 05/29/2018 | $0.060 | 1.14% | 1.16% | $20.75 |
| 03/06/2018 | 03/14/2018 | $0.060 | 1.25% | 1.2% | $19.97 |
| 11/21/2017 | 11/29/2017 | $0.060 | 1.5% | 1.44% | $16.61 |
| 08/17/2017 | 08/28/2017 | $0.060 | 1.49% | 1.51% | $15.91 |
| 05/19/2017 | 05/30/2017 | $0.060 | 1.5% | 1.5% | $15.98 |
| 03/06/2017 | 03/15/2017 | $0.060 | 1.44% | 1.39% | $17.25 |
Projected Future Returns & Dividends for ACIC
Based on past 10-year performance, here are ACIC growth metrics:
Share price CAGR of -4%
Dividend CAGR of +33.2%
Using ACIC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| ACIC (DRIP) | ACIC - No DRIP | |
|---|---|---|
| Current Price | $9.97 | $9.97 |
| Start Shares | 1,003.01 | 1,003.01 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 1,000,000.00 | 1,003.01 |
| Dividends Payment | $2.77 | $2.77 |
| Annual Dividends | $11,073,515 | $11,107 |
| Yield on cost | 110,735.15% | 111.07% |
| Share Price | $6.63 | $6.63 |
| Total Dividends | $17,736,868 | $74,249 |
| Final Value | $6,631,147 | $80,900 |
Estimated Future Value + Dividends - ACIC
NOTE: Above numbers are our estimate based on ACIC's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
American Coastal Insurance Corporation (ACIC) had its IPO on 2007-11-07, and is traded on NASDAQ stock exchange.
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
ACIC website: https://www.amcoastal.com
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DCF Model — ACIC
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vs current price $9.97
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Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
