AC

American Coastal Insurance Corporation

ACICยทNASDAQ

$9.89

-5.2%
Financial ServicesInsurance - Property & Casualty

American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, 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 August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.

At a Glance

Live Snapshot
Market Cap$479.31M
EPS2.2000
P/E Ratio4.50
Earnings Date08/05/2026
AC

American Coastal Insurance Corporation Fair Value Envelope

ACIC ยท NASDAQ

Our analysis suggests that ACIC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $9.89, this represents a potential HIDDEN relative to our calculated worth for American Coastal Insurance Corporation.

Intrinsic Value
Current Price: $9.89

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$61.7M
+ Cash & Equivalents$198.8M
Firm Value$260.5M
- Debt$152.5M
Equity Value$108.0M
/ Shares Outstanding48,765,302B
DCF Value$2
OVERVALUED BY 78%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$35.5M
$17.8M
$8.9M
$4.4M
$2.2M
$1.1M
$554.9K
$277.4K
$138.7K
$69.4K
Maintenance CapEx
-$15.5K
-$7.8K
-$3.9K
-$1.9K
-$969
-$484
-$242
-$121
-$61
-$30
Owner Earnings
$35.5M
$17.7M
$8.9M
$4.4M
$2.2M
$1.1M
$554.6K
$277.3K
$138.7K
$69.3K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$32.9M
$15.2M
$7.0M
$3.3M
$1.5M
$699.0K
$323.6K
$149.8K
$69.4K
$32.1K
Terminal Value represents 0.9% of Enterprise Value