American Coastal Insurance Corp. (UIHC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

HCI Group, Inc.

Universal Insurance Holdings, Inc.

ProAssurance Corp.

Greenlight Capital Re Ltd.

United Fire Group, Inc.

American Coastal Insurance Corp.

AMERISAFE, Inc.

Hagerty, Inc.

Lemonade, Inc.

Global Indemnity Group LLC

Safety Insurance Group, Inc.

Why is American Coastal Insurance Corp. ?

Strong Long Term Fundamental Strength with a 27.66% CAGR growth in Operating Profits

Healthy long term growth as Operating profit has grown by an annual rate of 27.66%

The company has declared negative results in Mar'2026 after 3 consecutive positive quarters

OPERATING CASH FLOW(Y) Lowest at USD 38.84 MM
DEBT-EQUITY RATIO (HY) Highest at -26.06 %
NET SALES(Q) Lowest at USD 71.22 MM

With ROE of 33.63%, it has a attractive valuation with a 1.71 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 3.27%, its profits have risen by 40.1% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 37.69%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.85% over the previous quarter.

Underperformed the market in the last 1 year

The stock has generated a return of 3.27% in the last 1 year, much lower than market (S&P 500) returns of 25.22%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to American Coastal Insurance Corp. should be less than 10%
Overall Portfolio exposure to Insurance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is American Coastal Insurance Corp. for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

American Coastal Insurance Corp.

4.09%

-0.07

31.64%

S&P 500

22.24%

1.91

13.23%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-16.90%

EBIT Growth (5y)

27.66%

EBIT to Interest (avg)

0.31

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

25.04%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

37.69%

ROCE (avg)

4.70%

ROE (avg)

12.98%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.71

EV to EBIT

352.22

EV to EBITDA

0.06

EV to Capital Employed

2.80

EV to Sales

1.05

PEG Ratio

0.13

Dividend Yield

0.00%

ROCE (Latest)

ROE (Latest)

33.63%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Sideways

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Mildly Bearish

Dow Theory

No Trend

Mildly Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

NET PROFIT(HY)

At USD 45.82 MM has Grown at 79.12%

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

-11What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 38.84 MM

DEBT-EQUITY RATIO (HY)

Highest at -26.06 %

NET SALES(Q)

Lowest at USD 71.22 MM

PRE-TAX PROFIT(Q)

Lowest at USD 25.75 MM

NET PROFIT(Q)

Lowest at USD 19.25 MM

EPS(Q)

Lowest at USD 0.39

Here's what is working for American Coastal Insurance Corp.

Raw Material Cost

Fallen by 0% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for American Coastal Insurance Corp.

Net Sales

At USD 71.22 MM has Fallen at -15.07%

over average net sales of the previous four periods of USD 83.86 MM

MOJO Watch

Near term sales trend is very negative

Net Sales (USD MM)

Operating Cash Flow

Lowest at USD 38.84 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 71.22 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Pre-Tax Profit

Lowest at USD 25.75 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 25.75 MM has Fallen at -27.83%

over average net sales of the previous four periods of USD 35.68 MM

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 19.25 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

Net Profit

At USD 19.25 MM has Fallen at -27.88%

over average net sales of the previous four periods of USD 26.7 MM

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.39

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Debt-Equity Ratio

Highest at -26.06 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio