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/company/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.

What drives ACIC's revenue?

Per AMERICAN COASTAL INSURANCE Corp's latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Net premiums earned ($69.7M, -11.1% YoY); Net investment income ($5.4M, -6.7% YoY); Net realized and unrealized investment gains ($7.5M, N/A). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/ACIC.

What are ACIC's largest expenses?

AMERICAN COASTAL INSURANCE Corp's latest 10-Q reports these as the largest expense items: Losses and loss adjustment expenses ($18.8M, +21.2% YoY); Policy acquisition costs ($22.7M, -6.4% YoY); General and administrative expenses ($10.3M, +32.0% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

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

61.8/100

Rank #754 of 2,961 stocksTOP 50%

View Financials peers →

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

Revenue Growth

66.4/100

Profitability

92.6/100

Balance Sheet

79.8/100

Earnings Quality

11.1/100

Free Cash Flow

17.0/100

Institutional Flow

8.8/100

Revenue Scale

31.0/100

Dilution Risk

50.3/100

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Why ACIC Scores 62/100

exact factor attribution · 2026-09-11

ACIC's composite is driven by profitability and revenue growth, held back by free cash flow and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.5 pts

93th pct

Revenue growth

+4.4 pts

66th pct

Capital efficiency

+4.0 pts

80th pct

Earnings growth

+1.4 pts

71th pct

Shareholder dilution

+0.0 pts

50th pct

Institutional flow

-2.8 pts

9th pct

Scale

-3.8 pts

31th pct

Earnings quality

-3.9 pts

11th pct

Free cash flow

-5.0 pts

17th pct

Latest change (2026-08-11): 64 → 65 · ↑ Revenue growth 40→64; ↑ Earnings growth 6→59; despite ↓ Free cash flow 88→49

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ACIC Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 61.8/100 on a 32-signal composite quality model, placing it at rank #754 of 2,961 stocks — the top half of the AI-ranked universe. ACIC scores in the top quartile across profitability (92.6), balance sheet strength (79.8). Areas of concern include institutional flow (8.8) and earnings quality (11.1), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), AMERICAN COASTAL INSURANCE Corp reports quarterly revenue of $82.6M, net income of $21.9M, an operating margin of 34.4%. Top institutional holders of ACIC by reported 13-F value include BlackRock, Tieton Capital Management, 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 71 since 2024, currently 61.8 — an improving long-term trajectory across 55 quarterly and live scoring snapshots.

What's Driving ACIC's Business? Latest 10-Q Breakdown

✓ 32/32 datapoints verified

AI-extracted from AMERICAN COASTAL INSURANCE Corp's 10-Q filed 2026-08-06 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

ACIC net income declined 17.2% to $21.9M in Q2 2026 as net premiums earned fell 11.1% and loss ratio widened amid soft Florida market pricing.

Biggest Revenue Drivers

Net premiums earned$69.7M-11.1% YoY

24% decrease in net pricing as market continued to soften; policies in-force increased only 1.2% year-to-date.

Net investment income$5.4M-6.7% YoY

Fixed maturity income declined from $2.7M to $2.4M.

Biggest Revenue Drivers

Total revenue: $82.6M-4.5% YoY

Net premiums earned$69.7M-11.1% YoY

24% decrease in net pricing as market continued to soften; policies in-force increased only 1.2% year-to-date.

Net investment income$5.4M-6.7% YoY

Fixed maturity income declined from $2.7M to $2.4M.

Net realized and unrealized investment gains$7.5MN/A

Net realized gains of $3.3M and unrealized gains on equity securities of $4.2M recorded.

Largest Expense Items

Losses and loss adjustment expenses$18.8M+21.2% YoY

Net loss ratio increased to 27.0% from 19.8%; includes $3.1M current year catastrophe losses and $0.8M unfavorable prior year development.

Policy acquisition costs$22.7M-6.4% YoY

External management fees decreased $5.1M due to lower gross premiums; offset partly by reduced ceding commission income of $2.3M from 20% to 15% quota share rate reduction.

General and administrative expenses$10.3M+32.0% YoY

Salary-related expenses increased $3.2M; prior year included non-recurring $2.9M employee retention tax credit refund.

Interest expense$2.3M-13.8% YoY

Senior notes interest rate decreased from 7.25% to 6.25% effective December 2025 due to debt rating upgrade from BB+ to BBB-.

Margins: Combined ratio widened to 74.3% from 60.6% YoY; underlying combined ratio (excluding catastrophes and reserve development) at 68.7% versus 62.2% reflects underwriting pressure. Gross margin compression driven by pricing headwinds in competitive Florida market.

Watch Items from the Filing

Gross written premiums declined 5.3% QoQ and 14.2% YTD to $365.7M as net pricing fell 24%; market softening and reduced quota share reinsurance (20% to 15%) compress margins.
Net loss ratio deteriorated to 27.0% in Q2 2026 from 19.8% YoY; underlying loss ratio of 21.5% remains elevated despite favorable prior-year reserve development.
Senior notes of $150M mature December 15, 2027; rating upgrade in December 2025 to BBB- (from BB+) and July 2026 upgrade to BBB by KROLL support refinancing prospects.
Catastrophe reinsurance retention increased effective August 1, 2026, with first event retention reduced from $49M to $23.5M; improved AmCoastal financial strength rating to A (from A-) by KROLL in July 2026.
Director and officer insurance claim from Florida DFS for $40M policy limit (Company retention $1.5M) significantly diminished by June 25, 2026 OIR determination that UPC former directors were not substantial cause of insolvency.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$82.6M

Net Income

Q2 2026

$21.9M

Free Cash Flow

Q2 2026

$58.3M

Operating Margin

Q2 2026

34.4%

ROIC

Q2 2026

33.4%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+13.1% YoY

$335.4MFY 2025

FY22 $221.7MFY23 $264.4MFY24 $296.7MFY25 $335.4M

Net Income

+41.1% YoY

$106.8MFY 2025

FY22 $-469.9MFY23 $309.9MFY24 $75.7MFY25 $106.8M

Operating Income

+40.8% YoY

$140.3MFY 2025

FY22 $-8.7MFY23 $93.9MFY24 $99.6MFY25 $140.3M

EPS (Diluted)

+39.6% YoY

$2.15FY 2025

FY22 $-10.91FY23 $6.98FY24 $1.54FY25 $2.15

Total Assets

-11.8% YoY

$1.07BFY 2025

FY22 $2.84BFY23 $1.06BFY24 $1.22BFY25 $1.07B

Total Debt

+0.0% YoY

$150.0MFY 2025

FY22 $150.0MFY23 $150.0MFY24 $150.0MFY25 $150.0M

Op. Cash Flow

-70.8% YoY

$71.0MFY 2025

FY22 $-173.1MFY23 $-136.0MFY24 $243.5MFY25 $71.0M

Free Cash Flow

-70.9% YoY

$70.9MFY 2025

FY22 $-176.2MFY23 $-136.2MFY24 $243.5MFY25 $70.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$335.4M +13.1%	$296.7M +12.2%	$264.4M +19.3%	$221.7M -3.1%	$228.7M -73.0%	$846.7M
Net Income	$106.8M +41.1%	$75.7M -75.6%	$309.9M +166.0%	$-469.9M -711.2%	$-57.9M +40.0%	$-96.5M
Operating Income	$140.3M +40.8%	$99.6M +6.1%	$93.9M +1183.6%	$-8.7M +17.9%	$-10.5M +92.0%	$-132.2M
EPS (Diluted)	$2.15 +39.6%	$1.54 -77.9%	$6.98 +164.0%	$-10.91 -708.1%	$-1.35 +40.0%	$-2.25
Total Assets	$1.07B -11.8%	$1.22B +14.5%	$1.06B -62.6%	$2.84B +5.1%	$2.70B -5.3%	$2.85B
Total Debt	$150.0M +0.0%	$150.0M +0.0%	$150.0M +0.0%	$150.0M -5.4%	$158.6M -1.1%	$160.4M
Operating Cash Flow	$71.0M -70.8%	$243.5M +279.0%	$-136.0M +21.4%	$-173.1M +41.4%	$-295.4M -2721.0%	$-10.5M
Free Cash Flow	$70.9M -70.9%	$243.5M +278.8%	$-136.2M +22.7%	$-176.2M +41.4%	$-300.7M -1310.3%	$-21.3M

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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.
$25.3M2,280,065 sh
Tieton Capital Management, LLC
$13.9M1,254,880 sh
VANGUARD CAPITAL MANAGEMENT LLC
$11.1M995,636 sh
DIMENSIONAL FUND ADVISORS LP
$9.9M893,772 sh
AMERICAN CENTURY COMPANIES INC
$9.4M848,367 sh
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.
$9.0M808,705 sh
GEODE CAPITAL MANAGEMENT, LLC
$7.5M677,070 sh
TWO SIGMA INVESTMENTS, LP
$6.6M591,554 sh
RENAISSANCE TECHNOLOGIES LLC
$6.0M542,359 sh
STATE STREET CORP
$5.7M509,767 sh

Fund	Value	Shares
BlackRock, Inc.	$25.3M	2,280,065
Tieton Capital Management, LLC	$13.9M	1,254,880
VANGUARD CAPITAL MANAGEMENT LLC	$11.1M	995,636
DIMENSIONAL FUND ADVISORS LP	$9.9M	893,772
AMERICAN CENTURY COMPANIES INC	$9.4M	848,367
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.	$9.0M	808,705
GEODE CAPITAL MANAGEMENT, LLC	$7.5M	677,070
TWO SIGMA INVESTMENTS, LP	$6.6M	591,554
RENAISSANCE TECHNOLOGIES LLC	$6.0M	542,359
STATE STREET CORP	$5.7M	509,767

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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. ACIC is classified as a small company.

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.