American Coastal Insurance Corporation

ACIC

Insurance - Property & Casualty · Financial Services

Price

$10.25

-0.12 (-1.16%)

Market Cap

$496.8M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+15.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 42.9M (2021) → 49.8M (2025)

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 a

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-1.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-2.4% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

↓ Declining (-100% vs prior year)

0.0% of revenue

Below sector average (7%)

R&D spend declining — could signal cost-cutting or efficiency

Insider Activity

49.5%ownership

Insiders own a meaningful stake in the company

Cash Runway

5+ years

Quarterly Free Cash Flow

↑ Burn rate improving

$239M cash & investments at current burn rate

Revenue declining

American Coastal Insurance Corporation's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

85.6%

Premium pricing power — 85.6% gross margin

Operating Margin

36.2%

Excellent — 36.2% operating margin

ROCE

5.4%

Weak — 5.4% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+10.7%

Steady sales growth (10.7% YoY)

EPS YoY

+44.7%

Earnings growing fast (44.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

37%

Weak — only 37% of profit becomes cash

FCF Margin

11.6%

Modest free cash flow (11.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.45

Conservative — low debt load (0.45)

Interest Cover

13.63x

Comfortably covers interest (13.6x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

4.7x

Attractive valuation — P/E 4.7

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-6.0

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

7.32%

Healthy income — 7.32% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

+470.8%

Dividend growing fast (470.8% YoY)

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