American Coastal Insurance (0UI) Stock Price & Analysis
0UI Stock Chart & Stats
- Day’s Range
- EUR 9.25 - EUR 9.25
- 52-Week Range
- EUR 7.75 - EUR 11.00
- Previous Close
- EUR 9.60
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 442.87M
- Enterprise Value
- EUR 590.20M
- Total Cash (Recent Filing)
- EUR 328.04M
- Total Debt (Recent Filing)
- EUR 152.54M
- Price to Earnings (P/E)
- 5.8
- Beta
- 0.41
- Next Earnings
- Feb 24, 2027 (Est.)
- EPS Estimate
- 0.11
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Strong Underwriting Profitability
A 64.7% combined ratio and core ROE above 24% show that ACIC is currently converting underwriting into strong profitability. This technical performance provides a durable earnings base and indicates disciplined risk selection, even as market pricing becomes less favorable.
Market Position And Retention
Leadership in Florida commercial residential insurance, combined with near-90% retention and policy growth, supports recurring premium production and customer durability. A stable renewal base can also reduce dependence on costly new-business acquisition while reinforcing ACIC’s position in its core market.
E&S Expansion And Capital Capacity
The licensed ACES Specialty platform creates a structural avenue to diversify beyond the existing book and expand E&S participation over time. Management’s statement that growth does not currently require additional capital suggests the strategy can be pursued while preserving financial flexibility.
Bears Say
Revenue And Pricing Pressure
Sharp declines in revenue, net premiums earned, and pricing indicate that ACIC’s current book is facing persistent rate pressure rather than a brief reporting fluctuation. Continued competition could constrain premium growth and make it harder to sustain recent earnings levels without successful diversification.
Inconsistent Cash Generation
The swing from strong operating and free cash flow to approximately $31 million of TTM outflows shows that accounting profitability has not translated consistently into cash generation. Unpredictable conversion can reduce flexibility for claims needs, reinvestment, and shareholder returns through the insurance cycle.
Historical Balance-Sheet Volatility
Although leverage and returns have improved recently, negative equity in 2022 demonstrates that ACIC’s capital position can change materially under adverse conditions. This history makes the balance sheet less resilient than the current snapshot suggests and increases the importance of sustained underwriting results.
American Coastal Insurance News
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American Coastal Insurance Stock Smart Score
Company Description
American Coastal Insurance
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.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Bennett Bradford Martz
- Employees
- 68
- Website
- www.amcoastal.com
- Address
- 570 Carillon Parkway, Saint Petersburg, FL, 33716, US
American Coastal Insurance (0UI) Earnings & Revenues
0UI Company Deck
0UI Earnings Call
Earnings Call SentimentPositive
The call was broadly positive. Strong retention, policy growth, premium growth despite rate pressure, a 64.7% combined ratio, core ROE above 24%, improved liquidity and book value, and progress on the E&S platform outweighed the negative factors. The primary challenges were soft and competitive market conditions, a $10.1 million decline in core income, a higher underlying combined ratio, lower revenue, declining rates and the absence of 2027 guidance.
View all DE:0UI earnings summaries0UI Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 5 | 3 |
| Technical Analysis | 5 | 5 | 0 |
| Moving Averages | 9 | 0 | 3 |
