What is the 13F Pro Quality Score for ACIC?

13F Pro ranks AMERICAN COASTAL INSURANCE Corp (ACIC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ACIC's current score at https://13fpro.ai/research/ACIC (free sign-up required for the full ranking).

Where does 13F Pro source ACIC data?

All AMERICAN COASTAL INSURANCE Corp fundamentals and ownership data come directly from SEC EDGAR. AMERICAN COASTAL INSURANCE Corp files with the SEC under CIK 1401521. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ACIC in?

AMERICAN COASTAL INSURANCE Corp (ACIC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is ACIC research updated on 13F Pro?

ACIC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

AMERICAN COASTAL INSURANCE Corp(ACIC)Stock Analysis

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13F Pro Quality Score

64.0/100

Rank #661 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

40.0/100

Profitability

92.4/100

Balance Sheet

85.3/100

Earnings Quality

6.5/100

Free Cash Flow

88.5/100

Institutional Flow

79.8/100

Revenue Scale

30.8/100

Dilution Risk

50.7/100

ACIC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for AMERICAN COASTAL INSURANCE Corp (ACIC), a Financials sector company. 13F Pro's AI-powered ranking engine scores ACIC at 64.0/100 on a 32-signal composite quality model, placing it at rank #661 of 2,879 stocks — the top 25% of the AI-ranked universe. ACIC scores in the top quartile across profitability (92.4), free cash flow (88.5), balance sheet strength (85.3). Areas of concern include earnings quality (6.5) and revenue scale (30.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), AMERICAN COASTAL INSURANCE Corp reports quarterly revenue of $71.2M, net income of $19.3M, an operating margin of 35.9%. Top institutional holders of ACIC by reported 13-F value include BlackRock,, Empyrean Capital Partners,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. ACIC trades on the Nasdaq exchange and files with the SEC under CIK 1401521. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ACIC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for AMERICAN COASTAL INSURANCE Corp directly from SEC EDGAR. AMERICAN COASTAL INSURANCE Corp's 13F Pro composite quality score has ranged between 49 and 64 since 2024, currently 64.0 — an improving long-term trajectory across 15 quarterly and live scoring snapshots.

Revenue

Q1 2026

$71.2M

Net Income

Q1 2026

$19.3M

Free Cash Flow

Q1 2026

$-5.9M

Operating Margin

Q1 2026

35.9%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+12.2% YoY

$296.7MFY 2024

FY21 $228.7MFY22 $221.7MFY23 $264.4MFY24 $296.7M

Net Income

-75.6% YoY

$75.7MFY 2024

FY21 $-57.9MFY22 $-469.9MFY23 $309.9MFY24 $75.7M

Operating Income

+6.1% YoY

$99.6MFY 2024

FY21 $-10.5MFY22 $-8.7MFY23 $93.9MFY24 $99.6M

EPS (Diluted)

-77.9% YoY

$1.54FY 2024

FY21 $-1.35FY22 $-10.91FY23 $6.98FY24 $1.54

Total Assets

+14.5% YoY

$1.22BFY 2024

FY21 $2.70BFY22 $2.84BFY23 $1.06BFY24 $1.22B

Total Debt

+0.0% YoY

$150.0MFY 2024

FY21 $158.6MFY22 $150.0MFY23 $150.0MFY24 $150.0M

Op. Cash Flow

+279.0% YoY

$243.5MFY 2024

FY21 $-295.4MFY22 $-173.1MFY23 $-136.0MFY24 $243.5M

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Revenue	$296.7M +12.2%	$264.4M +19.3%	$221.7M -3.1%	$228.7M -73.0%	$846.7M +2.6%	$825.1M
Net Income	$75.7M -75.6%	$309.9M +166.0%	$-469.9M -711.2%	$-57.9M +40.0%	$-96.5M -222.9%	$-29.9M
Operating Income	$99.6M +6.1%	$93.9M +1183.6%	$-8.7M +17.9%	$-10.5M +92.0%	$-132.2M -303.9%	$-32.7M
EPS (Diluted)	$1.54 -77.9%	$6.98 +164.0%	$-10.91 -708.1%	$-1.35 +40.0%	$-2.25 -221.4%	$-0.70
Total Assets	$1.22B +14.5%	$1.06B -62.6%	$2.84B +5.1%	$2.70B -5.3%	$2.85B +15.5%	$2.47B
Total Debt	$150.0M +0.0%	$150.0M +0.0%	$150.0M -5.4%	$158.6M -1.1%	$160.4M -0.8%	$161.6M
Operating Cash Flow	$243.5M +279.0%	$-136.0M +21.4%	$-173.1M +41.4%	$-295.4M -2721.0%	$-10.5M -107.0%	$149.0M

AI Insight: ACIC Financial Trends

Revenue flat to declining while operating income margins hold steady, but operational cash flow has turned persistently negative.

• Operating margin stable at 36–37% in Q2–Q3 2025, down slightly to 26% in Q1 2026 but above Q4 2024's 11%.

• Net income recovered from Q4 2024's $5M trough to $32M in Q3 2025, then softened to $19M in Q1 2026.

• Equity grown 48% from $223M (Q2 2024) to $332M (Q1 2026); total debt held at $150M when disclosed.

⚠ Operating cash flow negative in four of last five quarters; Q1 2026 shows –$6M despite $26M operating income.

⚠ Revenue decline from $90M (Q3 2025) to $71M (Q1 2026)—lowest in trailing eight quarters.

AI Insight: ACIC Ratio Trends

ACIC's profitability and returns have contracted sharply in Q1 2026, with ROE falling to 23.2% and ROIC to 30.8%, marking the weakest quarter in over a year.

• Operating margin declined to 35.9% in Q1 2026 from 43.1% in Q4 2025, suggesting seasonal or operational headwinds.

• ROE compressed 10.3pp quarter-over-quarter to 23.2%, lowest since Q4 2024's crisis quarter at 8.4%.

• ROIC dropped 1.1pp to 30.8% in Q1 2026, continuing decline from Q3 2025's peak of 51.0%.

⚠ Q4 2024 showed severe deterioration (OpMargin 11.2%, ROE 8.4%) but recovered by Q1 2025; repeat pattern risk warrants investigation.

⚠ Leverage improved to 0.47 D/E in Q4 2025, but balance sheet sustainability depends on margin recovery.

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Available Research

13F Pro tracks comprehensive data for AMERICAN COASTAL INSURANCE Corp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ACIC

BlackRock, Inc.
$20.6M1,828,264 sh
Empyrean Capital Partners, LP
$12.7M1,126,987 sh
VANGUARD CAPITAL MANAGEMENT LLC
$11.2M996,641 sh
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.
$9.1M808,705 sh
DIMENSIONAL FUND ADVISORS LP
$8.4M750,108 sh
AMERICAN CENTURY COMPANIES INC
$8.1M719,437 sh
GEODE CAPITAL MANAGEMENT, LLC
$6.9M615,861 sh
SEI INVESTMENTS CO
$6.8M601,481 sh
TWO SIGMA INVESTMENTS, LP
$6.4M564,754 sh
RENAISSANCE TECHNOLOGIES LLC
$6.1M539,257 sh

Fund	Value	Shares
BlackRock, Inc.	$20.6M	1,828,264
Empyrean Capital Partners, LP	$12.7M	1,126,987
VANGUARD CAPITAL MANAGEMENT LLC	$11.2M	996,641
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.	$9.1M	808,705
DIMENSIONAL FUND ADVISORS LP	$8.4M	750,108
AMERICAN CENTURY COMPANIES INC	$8.1M	719,437
GEODE CAPITAL MANAGEMENT, LLC	$6.9M	615,861
SEI INVESTMENTS CO	$6.8M	601,481
TWO SIGMA INVESTMENTS, LP	$6.4M	564,754
RENAISSANCE TECHNOLOGIES LLC	$6.1M	539,257

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Is ACIC a good stock to buy?

13F Pro's AI-powered analysis of AMERICAN COASTAL INSURANCE Corp (ACIC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ACIC are available on the ACIC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own ACIC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ACIC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of AMERICAN COASTAL INSURANCE Corp's investment landscape.