Stock fact sheet · data as of
American Coastal Insurance Corporation (ACIC): fair value, margin of safety and Wheel Score
Ticker symbol ACIC · Financial Services · Insurance - Property & Casualty · United States · Blend Income
Is ACIC undervalued?
At 10.64 (close of 5 Nov 2026), ACIC trades 71% below the GLS average fair value of 37.28. That average comes from 7 models run on the latest filings, and 6 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns American Coastal Insurance Corporation the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 7 models disagree widely: Lynch gives 3.62 while GLS Growth gives 113.00. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for ACIC, so the nightly engine files it under Blend (value score 78, growth score 77, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for ACIC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 72.63 | +583% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 17.69 | +66% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 22.43 | +111% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 3.62 | -66% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 113.00 | +962% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 11.04 | +4% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 20.51 | +93% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -0.6553 | -106% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 13.00 | +22% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - ACIC passes 5 of the nine Piotroski tests, which falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 6.0 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are high - ROIC 22.7%, ROE 33.6%, ROA 10.0% - with debt at 0.48 times equity and negative free cash flow.
The dividend yield is high at 7.05% (payout ratio 42%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Other Revenue 100% (quarter Q2 FY2026).
Institutional ownership scores 4/10, insider activity 2/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 22 Sep 2026.
| Piotroski F-score | 5 / 9 | ROIC | 22.7% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | 33.6% |
| Debt / equity | 0.48 | ROA | 10.0% |
| Free-cash-flow yield | -6.0% | Payout ratio | 42% |
| Institutions | 4 / 10 | Insiders · Congress | 2 · 5 / 10 |
Wheel Score 45: Weak
ACIC scores 45 out of 100 on the Wheel Score, in the Weak band (under 50): it fails filter 4, financially healthy - Piotroski 5/9 (under 6); and filter 8, big enough - market cap $516M (under $1.0B), and the parts are thin too - value strong, premium strong, moat good, health fair, red flags weak, option trading weak, stability fair. The score is not a judgement on the company; it says the price, quality and premium do not line up for selling puts on it today.
Implied volatility is 47% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 1,191 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 318k shares a day on a market cap of $516M, with a beta of -0.48 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $516M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 71% below fair value | |
| Premium | Strong | implied volatility 47% | |
| Moat | Good | moat 6.0/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Weak | Red Flags score 65/100 | |
| Option trading | Weak | 210 contracts a day, 1,191 open interest | |
| Stability | Fair | beta -0.48, $516M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for ACIC in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Property & Casualty
The 12 companies below are the closest to American Coastal Insurance Corporation by market cap within the Insurance - Property & Casualty industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| AII American Integrity Insurance Group, Inc. | 29.13 | 131.80 | +78% | 36No options | $571M |
| OIG Orion180 Insurance Group, Inc. Class A | 10.08 | - | - | 12No options | $394M |
| DGICA Donegal Group Inc. | 19.10 | 54.06 | +65% | 45Weak | $709M |
| ROOT Root, Inc. | 57.15 | 175.19 | +67% | 35Weak | $782M |
| MHLA Maiden Holdings, Ltd. 6.625 NT 2046 | 9.13 | 13.73 | +34% | 23No options | $790M |
| DGICB Donegal Group Inc. | 24.19 | 60.52 | +60% | 32No options | $791M |
| GBLI Global Indemnity Group, LLC | 22.03 | 48.55 | +55% | 31No options | $323M |
| NODK NI Holdings, Inc. | 15.46 | 7.83 | -98% | 17No options | $315M |
| KINS Kingstone Companies, Inc. | 20.08 | 81.67 | +75% | 51Fair | $291M |
| HIPO Hippo Holdings Inc. | 35.88 | 60.26 | +40% | 44Weak | $955M |
| HRTG Heritage Insurance Holdings, Inc. | 35.73 | 200.07 | +82% | 83Good | $1.1B |
| BOW Bowhead Specialty Holdings Inc. | 34.10 | 98.36 | +65% | 33No options | $1.1B |
⚖ Compare ACIC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ACIC
Is ACIC undervalued right now?
By the GLS models, yes: at 10.64 the stock is 71% below the average fair value of 37.28 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of ACIC and what does it mean?
ACIC scores 45 out of 100 (Weak) - it fails Wheel Trade Filters 4, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for ACIC?
37.28 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does American Coastal Insurance Corporation report earnings next?
No upcoming earnings date is recorded for ACIC in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does ACIC have listed options, and how liquid are they?
Yes. The nightly snapshot found 32 listed contracts with 1,191 open interest across all expiries and implied volatility of 47% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.