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American Coastal Insurance
ACIC
NASDAQ $10.47
Is American Coastal Insurance financially strong?
Balance sheet and coverage: Solid for size. Q1 2026 book value per share rose to 6.86 and insurer ratings are Demotech A and KBRA A‑ IFSR with the holding‑company issuer and note ratings at BBB‑, reflecting improved capitalization and risk transfer.
The 2026 to 2027 program purchases approximately 1.918 billion of limit with 90 percent FHCF and lower provisional cost than 2025 to 2026. The group has 150 million senior unsecured notes due 2027 at 6.25 percent after a 2025 rating trigger reversal.
Aggregate financials show 2025 operating cash inflow of 71.0 million and TTM free cash flow of roughly 38.7 million through Q1 2026. Concentrated cat exposure and single‑state concentration temper the score.
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Overview of American Coastal Insurance
Does American Coastal Insurance have a strong competitive moat?
Does American Coastal Insurance have pricing power in its industry?
How predictable is American Coastal Insurance's business?
Is American Coastal Insurance financially strong?
How effective is American Coastal Insurance's capital allocation strategy?
Does American Coastal Insurance have high-quality management?
What is the fair value of American Coastal Insurance stock?