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American Coastal Insurance Corporation

ACIC Finance Property-Casualty Insurers
$11.39
▲ +1.6% Today
as of Oct 22, 16:45 ET
Last 30 days +21.69% Sep 14 → Oct 22
$8.85 $9.53 $10.22 $10.90 $11.58 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$11.12
High
$11.48
Low
$11.12
Volume
$178,798
Avg Vol
$240,922
Mkt Cap
$450M
P/E (TTM)
7.50
Beta
—
52w High
$13.06
52w Low
$9.01
Div Yield
—
Shares Out
$47M

Recent Press Releases & News last 60 days · 7 items

▸ Show all 7 press releases & news Free account →

ACIC earnings at a glance

American Coastal Insurance Corporation (ACIC) is scheduled to report earnings on Wednesday, November 4, 2026 — in 12 days. Analysts expect earnings per share of $0.10, compared with $0.61 in the same quarter last year (-84%). The options market is pricing a move of about ±10.7% after the report, a range of roughly $10.17 to $12.61 from today's $11.39. Over its last 6 reports the stock rose the next day 1 time and fell 5, moving ±5.6% on average; after the most recent report on Aug 5, 2026 it moved -6.1%. That means options currently expect more movement than ACIC has typically delivered. ACIC beat the consensus EPS estimate in 4 of its last 6 reported quarters. Implied volatility is currently 97%. The share price of $11.39 sits in the middle of its 52-week range.

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Overview

52-week range
$9.01
$13
59% of range
Avg surprise (last 6)
+15.4%
Avg reaction (last 6)
-3.9%
17% positive
Latest IV / EM
97%
EM ±10.7% · $10 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.24$1.71$3.19$4.67$6.14 Actual $6.14Actual $0.41Actual $0.24Actual $0.48Actual $0.39Actual $0.57Actual $0.42Est $0.40Actual $0.54Est $0.38Actual $0.61Est $0.39Actual $0.51Est $0.42Actual $0.39Est $0.44Actual $0.33Est $0.42 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258KMar/2026Jun/2026
Revenue vs Net Income Revenue Net income
$0$24M$47M$71M$95M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Wed Aug 5, 2026Jun/2026 $0.33 $0.42 -21.4% -22.2% -6.1% earnings
Tue May 5, 2026Mar/2026 $0.39 $0.44 -11.4% -7.1% -12.0% earnings
Thu Feb 19, 20268K 2026-02-19 $0.51 $0.42 +21.4% — -2.2% earnings
Wed Nov 5, 2025Sep/2025 $0.61 $0.39 +56.4% — -1.7% earnings
Wed Aug 6, 2025Jun/2025 $0.54 $0.38 +42.1% — +5.2% earnings
Thu May 8, 2025Mar/2025 $0.42 $0.40 +5.0% — -6.4% earnings
Mon Sep 30, 2024Sep 2024 $0.57 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.39 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.48 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.24 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.41 — — — — financials
Fri Mar 31, 2023Mar 2023 $6.14 — — — — financials

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Wed Nov 4, 2026Sep/2026OTHER $0.10$0.61 -83.6%

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$83M$71M—$90M$86M$72M—$82M
Cost of revenue————————
Gross profit————————
Operating income$28M$26M—$42M$36M$25M—$36M
Net income$22M$19M—$32M$26M$21M—$28M
EPS (diluted)$0.44$0.39—$0.65$0.53$0.43—$0.57

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$219M$117M$199M$268M$315M$167M$137M$183M
Inventory————————
Total current assets————————
Total assets$1.24B$997M$1.07B$1.18B$1.35B$1.16B$1.22B$1.14B
Long-term debt————————
Total liabilities$903M$665M$755M$852M$1.05B$899M$980M$884M
Total equity$341M$332M$318M$327M$292M$261M$236M$260M

Implied volatility — last 90 days

32%109%186%263%340% Jun 12 — IV 187% · EM ±19.1%Jun 15 — IV 265% · EM ±19.1%Jun 16 — IV 240% · EM ±14.2%Jun 17 — IV 340% · EM ±14.2%Jun 19 — IV 88% · EM ±19.5%Jun 23 — IV 87% · EM ±17.8%Jun 30 — IV 42% · EM ±7.2%Jul 02 — IV 142% · EM ±23.0%Jul 03 — IV 147% · EM ±23.0%Jul 06 — IV 137% · EM ±18.9%Jul 09 — IV 42% · EM ±4.9%Jul 14 — IV 108% · EM ±7.8%Jul 15 — IV 109% · EM ±6.4%Jul 16 — IV 153% · EM ±6.4%Jul 20 — IV 68% · EM ±16.0%Jul 21 — IV 53% · EM ±12.3%Jul 22 — IV 51% · EM ±11.6%Jul 23 — IV 59% · EM ±13.3%Jul 24 — IV 87% · EM ±19.2%Jul 27 — IV 61% · EM ±12.7%Jul 28 — IV 33% · EM ±6.7%Jul 30 — IV 47% · EM ±9.2%Jul 31 — IV 59% · EM ±11.3%Aug 03 — IV 121% · EM ±21.5%Aug 04 — IV 68% · EM ±11.8%Aug 05 — IV 126% · EM ±21.0%Aug 06 — IV 62% · EM ±10.0%Aug 07 — IV 49% · EM ±7.7%Aug 10 — IV 55% · EM ±7.7%Aug 11 — IV 100% · EM ±13.2%Aug 12 — IV 85% · EM ±10.7%Aug 13 — IV 100% · EM ±11.8%Aug 14 — IV 87% · EM ±9.6%Aug 18 — IV 124% · EM ±8.9%Aug 19 — IV 278% · EM ±16.4%Aug 24 — IV 49% · EM ±10.2%Aug 25 — IV 38% · EM ±7.7%Aug 26 — IV 76% · EM ±15.2%Aug 27 — IV 68% · EM ±13.3%Aug 28 — IV 77% · EM ±14.7%Aug 31 — IV 69% · EM ±12.1%Sep 01 — IV 78% · EM ±13.4%Sep 02 — IV 73% · EM ±12.2%Sep 03 — IV 71% · EM ±11.5%Sep 04 — IV 87% · EM ±13.6%Sep 07 — IV 98% · EM ±13.6%Sep 09 — IV 86% · EM ±10.8%Sep 10 — IV 91% · EM ±10.8%Sep 11 — IV 97% · EM ±10.7%Sep 22 — IV 52% · EM ±10.6%Sep 23 — IV 52% · EM ±10.4%Sep 24 — IV 59% · EM ±11.6%Sep 25 — IV 72% · EM ±13.8%Sep 28 — IV 79% · EM ±14.0%Sep 29 — IV 79% · EM ±13.5%Sep 30 — IV 53% · EM ±8.8%Oct 01 — IV 64% · EM ±10.3%Oct 02 — IV 58% · EM ±9.1%Oct 05 — IV 66% · EM ±9.1%Oct 06 — IV 68% · EM ±9.0%Oct 07 — IV 122% · EM ±15.2%Oct 08 — IV 82% · EM ±9.7%Oct 09 — IV 97% · EM ±10.7%

Sector peers

ACIC earnings FAQ

When is ACIC's next earnings date?

American Coastal Insurance Corporation is expected to report on November 4, 2026.

What is ACIC's expected move for earnings?

Options currently price a move of about ±10.7%, or $1.22 per share either way from $11.39.

How does ACIC stock usually react to earnings?

Across the last 6 reports the average next-day move was ±5.6%, up 1 times and down 5 times.

What EPS are analysts expecting from American Coastal Insurance Corporation?

The consensus estimate is $0.10 per share, versus $0.61 a year ago.

What is ACIC's implied volatility?

ACIC's at-the-money implied volatility is about 97% based on the latest options snapshot.

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