American Coastal Insurance Corp. (ACIC)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
$9.540.00%
Close 2026-09-04 · 1-day change
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
QuarterlyIQ Insights · ACIC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on meeting full-year 2026 total revenue guidance range of $335 million to $365 million.
Stated as a priority in 2 of last 2 quarters. The company guided 2026 full-year total revenue to $335M-$365M. Actual total revenue was $71.2M in 2026-Q1 and $82.6M in 2026-Q2, totaling $153.8M for half the year, indicating progress but below half the midpoint. The trajectory shows mixed progress toward the full-year revenue guidance.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“2026 FY Guidance Total Revenue $335M - $365M”
“2026 FY Guidance Total Revenue $335M - $365M”
Target full-year 2026 earnings per share of $2.15 as guided.
Stated as a priority in 2 of last 2 quarters. The company targets 2026 EPS of $2.15, having achieved $0.39 and $0.44 diluted EPS in 2026-Q1 and Q2 respectively, totaling $0.83 for half the year. The trajectory shows mixed progress toward the full-year EPS guidance.
“Core EPS (diluted) $0.33 for 2026-Q2”
“Core income per diluted share $0.39 for 2026-Q1”
Focus on delivering earnings before income tax in the range of $85 million to $100 million for 2026.
Stated as a priority in 2 of last 2 quarters. The company guided EBIT for 2026 at $85M-$100M. Operating income was $25.5M in 2026-Q1 and $28.5M in 2026-Q2, totaling $54M for half the year. The trajectory shows mixed progress toward the full-year EBIT guidance.
“2026 FY Guidance Earnings Before Income Tax $85M - $100M”
“2026 FY Guidance Earnings Before Income Tax $85M - $100M”
Continue disciplined underwriting to prioritize profitability over growth amid market softening.
Stated as a priority in 2 of last 2 quarters. The company emphasized underwriting discipline focusing on profitability amid market softening. Underlying combined ratio was 68.3% in 2026-Q1 and 68.7% in 2026-Q2, with core return on equity declining from 24.6% to 20.0%. The trajectory shows persistent focus but some pressure on profitability metrics.
“Discipline at every stage of the market cycle focusing on underwriting profitability”
“Focus remains on building value through specialization, talent, and prudent risk selection”
Over the trailing year it converted 2.47x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
4 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.