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Stock Ratings / Financials / ACIC
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American Coastal Insurance Corporation (ACIC) — RQD Stock Rating Cockpit

$10.90 -0.18% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $10.92

American Coastal Insurance Corporation (ACIC) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $515.3M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ACIC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ACIC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, American Coastal Insurance Corporation (NASDAQ: ACIC) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $10.90 (-0.18% 1D, market cap $515.3M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, ACIC ranks #114 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ACIC compare to GLRE and AII in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), ACIC carries a Roarable B- (70/100 RQD), trailing P/E of 4.8x, gross margin of —, and ROIC of 85.0%. By comparison, GLRE (Greenlight Capital Re Ltd. (Class A)) holds a D+ grade (54/100 RQD, P/E 6.4x, ROIC 10.6%, cap $492.6M) and AII (American Integrity Insurance Group Inc.) posts a B+ grade (78/100 RQD, P/E 5.6x, ROIC 29.6%, cap $578.1M). Among the 5-stock peer group, ACIC leads on earnings multiple (4.8x) while ACIC leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ACIC?
▼

Per ACIC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001401521), American Coastal Insurance Corporation generated $335.4M in revenue (+13.1% YoY), $106.8M in net income, and $70.9M in free cash flow against $1.07B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $10.92 (+0.21%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 21.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510070
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- · Rk B-
Cash (13)Whales (11)SEC (13)Macro (15)CEO (18)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$14 Bull$11 Base$9 Bear
📬 FREE ACIC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ACIC)Realized 20D OHLCV Swing Band: ±6.2%
Deterministic 5-Pillar Attribution (70/100 Composite)
🔍 WHY ACIC SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (21% of score)

FRED Regime × Technicals: 47% of 52W Range • RSI-14 at 61.3 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
62
Grade C+$10.53+5.1% Next Q
Q2 (-2Q)
65
Grade C+$11.07-1.8% Next Q
Q3 (-1Q)
67
Grade B-$10.87+0.3% Next Q
Current
70
Grade B-$10.90+6.6% Hist 90D α
Trajectory: C+ (62) → B- (70)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ACIC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, ACIC faces multiple-compression risk if 4.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.92) or 200D SMA ($10.67) invalidates the momentum regime and cuts Target Base ($11.49) toward Bear Floor ($8.94).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ACIC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “ACIC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 70%NO 30%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
61.330 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE47% OF RANGE
L: $9$10.90H: $13
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on ACIC

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

85.0% ROIC with 42.0% gross margin and 13.72% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (73)

29/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like ACIC
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ACIC Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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ACIC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -8.17%📐 HORIZONTAL RANGE
2026-11-04O $10.92H $10.92L $10.90C $10.90VOL 324.9K
RES: $11.45SUP: $8.93SMA50: $9.92SMA200: $10.67
$12.13$11.29$10.44$9.59$8.75RES $11.45SUP $8.93$10.902026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ACIC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ACIC Butterfly Map → + Track ACIC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-14.7%/yr Implied 5Y Growth

vs. +13.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ACIC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ACIC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ACIC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ACIC)

Financials Rank #114 of 1097 ⚔️ GLRE vs ACIC Full Matrix →

1. Head-to-Head Financials Peer Comparison (ACIC vs. GLRE, AII, TIPT, AMSF)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, American Coastal Insurance Corporation (ACIC) ranks #114 by composite RQD confidence (70/100, grade B-) and #694 by equity capitalization ($515.3M). Within this direct 5-issuer industry benchmark cohort, ACIC leads on earnings valuation at 4.8x trailing P/E, while ACIC leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. AII currently holds the highest overall quantitative score in the immediate peer group at 78/100 (B+) compared with ACIC at 70/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
ACIC ACTIVE
American Coastal Insurance Corporation
B- 70/100 4.8x — 85.0% -0.18% $515.3M Benchmark Subject
GLRE
Greenlight Capital Re Ltd. (Class A)
D+ 54/100 6.4x — 10.6% +2.93% $492.6M /glre-vs-acic →
AII
American Integrity Insurance Group Inc.
B+ 78/100 5.6x — 29.6% +0.82% $578.1M /aii-vs-acic →
TIPT
Tiptree Inc.
D- 41/100 18.0x — -6.8% +3.23% $640.7M /tipt-vs-acic →
AMSF
AMERISAFE Inc.
D- 43/100 9.1x — 18.7% -1.03% $383.5M /amsf-vs-acic →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001401521 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), American Coastal Insurance Corporation (ACIC) reported GAAP revenue of $335.4M (+13.1% vs. FY2024 revenue of $296.7M , and +26.9% cumulative change since FY2023) , GAAP net income of $106.8M, operating cash flow of $71.0M, and free cash flow of $70.9M (-70.9% YoY). On the balance sheet, ACIC closed FY2025 with $1.07B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $335.4M $106.8M $71.0M $70.9M $1.07B —
FY2024 (FY) 2024-12-31 $296.7M $75.7M $243.5M $243.5M $1.22B —
FY2023 (FY) 2023-12-31 $264.4M $309.9M -$136.0M -$136.0M — —

3. ACIC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ACIC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, American Coastal Insurance Corporation (NASDAQ: ACIC) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $10.90 (-0.18% 1D, market cap $515.3M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, ACIC ranks #114 in composite RQD confidence.

How does ACIC compare to GLRE and AII in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), ACIC carries a Roarable B- (70/100 RQD), trailing P/E of 4.8x, gross margin of —, and ROIC of 85.0%. By comparison, GLRE (Greenlight Capital Re Ltd. (Class A)) holds a D+ grade (54/100 RQD, P/E 6.4x, ROIC 10.6%, cap $492.6M) and AII (American Integrity Insurance Group Inc.) posts a B+ grade (78/100 RQD, P/E 5.6x, ROIC 29.6%, cap $578.1M). Among the 5-stock peer group, ACIC leads on earnings multiple (4.8x) while ACIC leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ACIC?

Per ACIC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001401521), American Coastal Insurance Corporation generated $335.4M in revenue (+13.1% YoY), $106.8M in net income, and $70.9M in free cash flow against $1.07B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ACIC trading relative to its 50-day, 200-day, and 52-week technical levels?

ACIC last traded at $10.90 (-0.18% on volume of 324,890 shares), positioning the stock +9.88% above its 50-day simple moving average ($9.92) and +2.16% above its 200-day simple moving average ($10.67). Across its 52-week range of $9.01 to $13.06, ACIC sits at the 46.7% percentile with a 14-day RSI of 61.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.2% ($10.22 to $11.58).

Direct Sub-Reports: ACIC RQD Cockpit ACIC 12M Forecast ACIC Earnings & Move ACIC Dividends & DRIP ACIC Insiders & 13F ACIC Whale Options ACIC Profit Sankey ACIC News & Why
ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ SEC XBRL & RQD VERIFIED

ACIC — American Coastal Insurance Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

American Coastal Insurance Corporation (ACIC) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $10.90 (-0.18% 1D, market capitalization $515.3M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 85.0%, gross margin of —, operating margin of 41.8%, and free cash flow yield of 13.72%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (18/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

American Coastal Insurance Corporation (ACIC) is a NASDAQ-listed company in the Financials sector, specifically the Property-Casualty Insurers industry. Its market capitalization is $0.5B. The company's activities include a specialty insurance business model and a Florida property market focus, and it received a Certificate of Authority for ACES Specialty Insurance Company. — describes its customer base or detailed revenue-generation model beyond these headline items.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), American Coastal Insurance Corporation (ACIC) reported $335.4M in annual revenue (up from $296.7M in FY2024, +13.1% YoY) and $106.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($264.4M revenue, $309.9M net income) through FY2025, ACIC scaled operating cash flow to $71.0M and free cash flow to $70.9M, backed by $1.07B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 70/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 13.72% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $9.01 – $13.06 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 4.8x trailing P/E against 41.8% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream or downstream dependencies, sector correlations, or second-order bottlenecks.

  • Key Question #1: Can ACIC sustain or expand its 41.8% operating margin and 85.0% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $335.4M and free cash flow of $70.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is ACIC's 4.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

ACIC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for American Coastal Insurance Corporation (ACIC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ACIC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ACIC Bull vs. Bear Conversation Board — What's Your Call at $10.90?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ACIC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ACIC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $13.43 (+23.0%)
📌 Pinned Debate

ACIC trades at a trailing P/E of 4.8 with 85% ROIC and a 13.72% FCF yield, while insider flow scores 18 of 20 in the RQD rating.

The street is overcomplicating American Coastal Insurance Corporation (ACIC). ACIC trades at a trailing P/E of 4.8 with 85% ROIC and a 13.72% FCF yield, while insider flow scores 18 of 20 in the RQD rating.. With an RQD score of 70/100 (B-) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $11.79.

EarningsSniper 🐂 BULL

@RiskArb_Desk Shorting a 11/20 institutional whale-flow stock at $10.92 is dangerous when funds are rotating into Financials.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $8.19 (-25.0%)
Spot @ $10.92

Debt is reported as N/A in every period, the FY 2023 net income exceeds operating income, and whale 13F flow scores only 11 of 20.

Sitting on the sidelines or leaning short ACIC above $10.92. Debt is reported as N/A in every period, the FY 2023 net income exceeds operating income, and whale 13F flow scores only 11 of 20.. Until Fundamental Cash Engine (13/20) and FCF yield (13.72%) inflect higher, upside is capped near $13.06.

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