American Coastal Insurance (ACIC)
Market Price (5/26/2026): $10.78 | Market Cap: $523.3 MilSector: Financials | Industry: Property & Casualty Insurance
American Coastal Insurance (ACIC)
Market Price (5/26/2026): $10.78Market Cap: $523.3 MilSector: FinancialsIndustry: Property & Casualty Insurance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 27%, Dividend Yield is 7.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 23%, FCF Yield is 7.4% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -15% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 12% Low stock price volatilityVol 12M is 32% Megatrend and thematic driversMegatrends include Climate Change Adaptation & Financial Resilience. Themes include Coastal Property Insurance, Catastrophe Risk Underwriting, and Climate Risk Data Analytics (for Insurance). | Weak multi-year price returns2Y Excs Rtn is -56% | Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.3% Key risksACIC key risks include [1] its acute vulnerability to catastrophic losses due to a high geographic concentration in Florida, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 27%, Dividend Yield is 7.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 23%, FCF Yield is 7.4% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -15% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 12% |
| Low stock price volatilityVol 12M is 32% |
| Megatrend and thematic driversMegatrends include Climate Change Adaptation & Financial Resilience. Themes include Coastal Property Insurance, Catastrophe Risk Underwriting, and Climate Risk Data Analytics (for Insurance). |
| Weak multi-year price returns2Y Excs Rtn is -56% |
| Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.3% |
| Key risksACIC key risks include [1] its acute vulnerability to catastrophic losses due to a high geographic concentration in Florida, Show more. |
Qualitative Assessment
AI Analysis | Feedback
1. Mixed Q1 2026 Financial Results: American Coastal Insurance reported a net income of $19.3 million for Q1 2026, demonstrating disciplined underwriting with a combined ratio of 66%. However, this positive was offset by missing analyst expectations, with earnings per share (EPS) of $0.39 against a consensus of $0.44, and total revenue of $71.22 million below the anticipated $75.78 million. Additionally, gross premiums written decreased significantly by 24.5% year-over-year to $149.4 million. This combination of operational efficiency and top-line weakness contributed to a balanced market reaction.
2. Favorable Reinsurance Renewals Counterbalanced by Higher Retentions: The company successfully renewed its 2026/27 core catastrophe reinsurance program, increasing aggregate occurrence-based limit by 14.4% to approximately $1.918 billion while simultaneously reducing reinsurance costs by 11.1% to $179.5 million. However, this improved coverage and cost efficiency came with increased first event retention to up to $49 million and second event retention to up to $25 million, implying the company is retaining more initial loss exposure.
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Stock Movement Drivers
Fundamental Drivers
The -2.4% change in ACIC stock from 1/31/2026 to 5/26/2026 was primarily driven by a -20.8% change in the company's P/E Multiple.| (LTM values as of) | 1312026 | 5262026 | Change |
|---|---|---|---|
| Stock Price ($) | 11.05 | 10.78 | -2.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 328 | 334 | 1.9% |
| Net Income Margin (%) | 26.0% | 31.4% | 20.6% |
| P/E Multiple | 6.3 | 5.0 | -20.8% |
| Shares Outstanding (Mil) | 49 | 49 | 0.2% |
| Cumulative Contribution | -2.4% |
Market Drivers
1/31/2026 to 5/26/2026| Return | Correlation | |
|---|---|---|
| ACIC | -2.4% | |
| Market (SPY) | 8.8% | -5.9% |
| Sector (XLF) | -2.5% | 19.3% |
Fundamental Drivers
The -3.2% change in ACIC stock from 10/31/2025 to 5/26/2026 was primarily driven by a -25.1% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 5262026 | Change |
|---|---|---|---|
| Stock Price ($) | 11.14 | 10.78 | -3.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 320 | 334 | 4.5% |
| Net Income Margin (%) | 25.3% | 31.4% | 24.0% |
| P/E Multiple | 6.7 | 5.0 | -25.1% |
| Shares Outstanding (Mil) | 48 | 49 | -0.2% |
| Cumulative Contribution | -3.2% |
Market Drivers
10/31/2025 to 5/26/2026| Return | Correlation | |
|---|---|---|
| ACIC | -3.2% | |
| Market (SPY) | 10.7% | -1.6% |
| Sector (XLF) | -0.1% | 22.9% |
Fundamental Drivers
The 0.3% change in ACIC stock from 4/30/2025 to 5/26/2026 was primarily driven by a 22.8% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5262026 | Change |
|---|---|---|---|
| Stock Price ($) | 10.75 | 10.78 | 0.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 296 | 334 | 12.7% |
| Net Income Margin (%) | 25.5% | 31.4% | 22.8% |
| P/E Multiple | 6.8 | 5.0 | -26.8% |
| Shares Outstanding (Mil) | 48 | 49 | -0.9% |
| Cumulative Contribution | 0.3% |
Market Drivers
4/30/2025 to 5/26/2026| Return | Correlation | |
|---|---|---|
| ACIC | 0.3% | |
| Market (SPY) | 36.9% | 9.0% |
| Sector (XLF) | 8.0% | 26.2% |
Fundamental Drivers
The 188.2% change in ACIC stock from 4/30/2023 to 5/26/2026 was primarily driven by a 114.6% change in the company's P/S Multiple.| (LTM values as of) | 4302023 | 5262026 | Change |
|---|---|---|---|
| Stock Price ($) | 3.74 | 10.78 | 188.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 221 | 334 | 51.3% |
| P/S Multiple | 0.7 | 1.6 | 114.6% |
| Shares Outstanding (Mil) | 43 | 49 | -11.2% |
| Cumulative Contribution | 188.2% |
Market Drivers
4/30/2023 to 5/26/2026| Return | Correlation | |
|---|---|---|
| ACIC | 188.2% | |
| Market (SPY) | 87.5% | 13.2% |
| Sector (XLF) | 64.1% | 19.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| ACIC Return | -20% | -75% | 792% | 42% | -3% | -9% | 123% |
| Peers Return | 7% | -35% | 100% | 57% | 57% | -12% | 203% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 9% | 99% |
Monthly Win Rates [3] | |||||||
| ACIC Win Rate | 58% | 8% | 75% | 58% | 50% | 40% | |
| Peers Win Rate | 53% | 48% | 65% | 60% | 65% | 36% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| ACIC Max Drawdown | -64% | -93% | -60% | -33% | -24% | -17% | |
| Peers Max Drawdown | -38% | -55% | -29% | -29% | -26% | -22% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: HRTG, UVE, HCI, PLMR, KNSL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/26/2026 (YTD)
How Low Can It Go
| Event | ACIC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -90.8% | -24.5% |
| % Gain to Breakeven | 983.6% | 32.4% |
| Time to Breakeven | 185 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -25.4% | -33.7% |
| % Gain to Breakeven | 34.1% | 50.9% |
| Time to Breakeven | 1336 days | 140 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -37.2% | -3.7% |
| % Gain to Breakeven | 59.3% | 3.9% |
| Time to Breakeven | 118 days | 6 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -13.0% | -12.2% |
| % Gain to Breakeven | 15.0% | 13.9% |
| Time to Breakeven | 15 days | 62 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -22.3% | -6.8% |
| % Gain to Breakeven | 28.7% | 7.3% |
| Time to Breakeven | 35 days | 15 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -37.7% | -15.4% |
| % Gain to Breakeven | 60.6% | 18.2% |
| Time to Breakeven | 116 days | 125 days |
In The Past
American Coastal Insurance's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% gain to breakeven.
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Asset Allocation
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| Event | ACIC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -90.8% | -24.5% |
| % Gain to Breakeven | 983.6% | 32.4% |
| Time to Breakeven | 185 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -25.4% | -33.7% |
| % Gain to Breakeven | 34.1% | 50.9% |
| Time to Breakeven | 1336 days | 140 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -37.2% | -3.7% |
| % Gain to Breakeven | 59.3% | 3.9% |
| Time to Breakeven | 118 days | 6 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -22.3% | -6.8% |
| % Gain to Breakeven | 28.7% | 7.3% |
| Time to Breakeven | 35 days | 15 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -37.7% | -15.4% |
| % Gain to Breakeven | 60.6% | 18.2% |
| Time to Breakeven | 116 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -64.1% | -53.4% |
| % Gain to Breakeven | 178.5% | 114.4% |
| Time to Breakeven | 1666 days | 1085 days |
In The Past
American Coastal Insurance's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About American Coastal Insurance (ACIC)
AI Analysis | Feedback
American Coastal Insurance is like State Farm or Allstate, but focused specifically on property and casualty insurance for homes and residential condominium complexes.
American Coastal Insurance is akin to a specialized version of Travelers or Chubb, offering property and casualty coverage primarily for residences and residential multi-unit buildings.
AI Analysis | Feedback
- Residential Homeowners Insurance: Provides structure, content, and liability coverage for standard single-family homeowners.
- Renters Insurance: Offers coverage for contents and liability for individuals renting residential properties.
- Condominium Unit Owners Insurance: Supplies structure, content, and liability coverage specifically for condominium unit owners.
- Commercial Multi-Peril Property Insurance: Provides coverage for residential condominium associations and apartments against loss or damage to buildings, inventory, and equipment from perils like fire, wind, hail, water, theft, and vandalism.
- Equipment Breakdown Insurance: Covers financial losses resulting from the mechanical or electrical breakdown of essential equipment.
- Identity Theft Insurance: Offers protection and assistance for expenses and damages incurred due to identity theft.
- Cyber Security Insurance: Provides coverage for losses and liabilities arising from cyberattacks, data breaches, and other cyber incidents.
- Flood Insurance: Protects against financial losses caused by flood damage to insured properties.
AI Analysis | Feedback
American Coastal Insurance (ACIC) primarily sells its insurance policies to individuals and organizations that own or manage residential properties. Its major customer categories include:
- Single-Family Homeowners: Individuals seeking coverage for their standard single-family homes.
- Renters and Condominium Unit Owners: Individuals looking for structure, content, and liability coverage for rented properties or individual condominium units.
- Residential Condominium Associations and Apartment Owners: Commercial entities or associations that own or manage multi-unit residential properties, requiring multi-peril property insurance for their buildings, inventory, and equipment.
AI Analysis | Feedback
Major Suppliers of American Coastal Insurance (ACIC)
- Swiss Reinsurance Company Ltd. (Parent Company: Swiss Re Ltd., Symbol: SREN on SIX Swiss Exchange)
- Munich Reinsurance America, Inc. (Parent Company: Munich Re, Symbol: MUV2 on XETRA)
- Everest Reinsurance Company (Parent Company: Everest Group, Ltd., Symbol: EG on NYSE)
- Renaissance Reinsurance Ltd. (Parent Company: RenaissanceRe Holdings Ltd., Symbol: RNR on NYSE)
- PartnerRe Ltd. (Private Company)
- Arch Reinsurance Company (Parent Company: Arch Capital Group Ltd., Symbol: ACGL on NASDAQ)
- Transatlantic Reinsurance Company (Parent Company: Berkshire Hathaway Inc., Symbol: BRK.A, BRK.B on NYSE)
AI Analysis | Feedback
B. Bradford Martz, President and Chief Executive Officer
B. Bradford Martz was appointed Chief Executive Officer of American Coastal Insurance Corporation in February 2025, having served as President since July 2020. Previously, he was the Chief Financial Officer from October 2012 to January 2024. Prior to joining American Coastal, Mr. Martz held various financial leadership roles at Bankers Financial Corporation, where he became CFO in 2007. He also served as the Chief Financial Officer of Bonded Builders Service Corporation for approximately six years before 2001. Mr. Martz is a Certified Public Accountant and holds the Global Certified Management Accountant designation.
Svetlana Castle, Chief Financial Officer
Svetlana Castle was appointed Chief Financial Officer of American Coastal Insurance Corporation in January 2024. Before joining ACIC, Ms. Castle spent 16 years at Bankers Financial Corporation, a Florida-based holding company, where her roles included Chief Financial Officer for various property and casualty insurance companies and Chief Accounting Officer for the Holding Company. Her experience encompasses oversight of accounting, treasury, investments, financial planning and analysis, audit functions, reinsurance, due diligence (both buy and sell side), regulatory compliance, and presentations to rating agencies. Ms. Castle is a Certified Public Accountant.
Chris Griffith, Chief Information Officer & Chief Operating Officer
Chris Griffith has served as American Coastal Insurance Corporation's Chief Information Officer since October 2018 and as Chief Operating Officer since July 2021. Before joining the company, Mr. Griffith was the Vice President and Chief Information Officer of Safety National Casualty Corp, a specialty insurance and reinsurance provider and a member of the Tokio Marine Group. He has over 12 years of experience in the insurance industry and more than 20 years in technology-related fields, with a strong background in data and digital innovation.
James Andrew (Andy) Gray, Chief Compliance and Risk Officer
James Andrew (Andy) Gray is the Chief Compliance and Risk Officer for American Coastal Insurance Corporation. He has held various roles at ACIC in finance, internal audit, and enterprise risk management since 2017, and previously served as CFO of American Coastal Insurance Company from 2015 to 2017. From 1993 through 2015, Mr. Gray was with Thomas Howell Ferguson PA (THF), becoming a Shareholder in 1997, where he specialized in audit, tax, compliance, and strategic planning within the insurance industry. Earlier in his career, from 1987 to 1993, he worked for Ernst & Whinney, Arthur Young, and Ernst & Young as a member of the southeast regional insurance tax practice.
R. Daniel Peed, Executive Chairman of the Board
R. Daniel Peed transitioned from his role as CEO to Executive Chairman of the Board of American Coastal Insurance Corporation effective February 11, 2025. Mr. Peed founded American Coastal in 2007 and continues to provide strategic guidance to support the company's long-term growth and value creation.
AI Analysis | Feedback
The key risks to American Coastal Insurance (ACIC) are primarily driven by its concentration in the Florida insurance market.Key Risks to American Coastal Insurance (ACIC)
- Exposure to Catastrophic Events and Severe Weather: American Coastal Insurance operates predominantly in Florida, making it highly susceptible to significant losses from catastrophic events and severe weather conditions, particularly hurricanes and tropical storms. The frequency and severity of these events can lead to substantial claims and adversely affect the company's financial results.
- Reinsurance Market Dynamics: The cost, availability, and effectiveness of reinsurance are crucial for ACIC to mitigate its exposure to large-scale catastrophic losses. Fluctuations in the reinsurance market, including increased costs or reduced availability, can materially impact the company's risk profile, underwriting capacity, and financial stability.
- Regulatory and Legal Environment in Florida: The complex and evolving insurance regulatory and legal landscape in Florida poses a significant risk. Changes in state insurance regulations, legal precedents, or legislative actions can affect ACIC's operational costs, pricing strategies, claims handling, and overall profitability.
AI Analysis | Feedback
The rise of Insurtech companies leveraging artificial intelligence, data analytics, and direct-to-consumer distribution models to offer property and casualty insurance. These technology-driven platforms streamline the policy acquisition and claims process, potentially offering more competitive pricing and a superior customer experience compared to traditional insurers operating through independent agencies, thus threatening ACIC's established business model and market share.
AI Analysis | Feedback
The addressable markets for American Coastal Insurance Corporation's (ACIC) main products and services in the United States are as follows:
- Residential Property Insurance: The United States homeowners insurance market size is projected to be USD 184.59 billion in 2026.
- Commercial Property Insurance: The commercial property insurance market in the United States is estimated to reach $422.74 billion in 2026.
- Equipment Breakdown Insurance: The equipment breakdown insurance market in North America was valued at USD 1.4 billion in 2024.
- Identity Theft Insurance: The U.S. identity theft protection services market size was $5.6 billion in 2024.
- Cyber Security Insurance: The U.S. cyber insurance market had approximately $9.14 billion in direct written premiums in 2024.
- Flood Insurance: The U.S. flood insurance market (including both private and federal policies) was $4.1 billion in 2024.
AI Analysis | Feedback
American Coastal Insurance Corporation (ACIC) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives and favorable market conditions:
- Expansion into the Excess & Surplus (E&S) Market: American Coastal Insurance Corporation has revealed plans to enhance its business profile by introducing new revenue and earnings growth pathways in the Excess & Surplus (E&S) market. Management anticipates these new E&S market expansion plans are underway.
- Strategic Adjustments to Quota Share Cessions: The company has been strategically stepping down its gross catastrophe quota share. Notably, it reduced its gross catastrophe quota share from 20% to 15% effective June 1, 2025, following a previous reduction from 40% to 20% effective June 1, 2024. This move directly contributes to higher net premiums earned, a key component of revenue. The external quota share is expected to remain at 15% from June 1, 2025, to May 31, 2026, with potential for further reductions based on reinsurance costs and availability.
- Introduction of New Products and Diversification: American Coastal Insurance is focusing on diversifying its portfolio, including the introduction of a new apartment building insurance product. This new product launch, alongside general market expansion plans, is anticipated to bolster future growth prospects.
- Benefiting from Florida Legislative Reforms: Florida's legislative reforms have contributed to reduced reinsurance costs and lower incurred losses, thereby enhancing the company's competitive edge in the market. This improved operating environment is expected to support the company's ability to grow its premium volume more effectively.
AI Analysis | Feedback
Capital Allocation Decisions for American Coastal Insurance (ACIC)
Share Repurchases
- The Board of Directors has authorized a share repurchase program of up to $25 million.
- As of recent reports, no buybacks have been executed under this authorization.
Share Issuance
- The number of shares outstanding for American Coastal Insurance has generally increased over the last 3-5 years, indicating share issuance.
- Shares outstanding grew from approximately 42.97 million at the end of 2021 to 48.66 million by the end of 2025.
Capital Expenditures
- American Coastal Insurance invested $59,000 in capital expenditures during the fourth quarter of 2025, primarily for funding long-term assets and infrastructure.
Trade Ideas
Select ideas related to ACIC.
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| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 76.52 |
| Mkt Cap | 1.5 |
| Rev LTM | 954 |
| Op Inc LTM | - |
| FCF LTM | 353 |
| FCF 3Y Avg | 262 |
| CFO LTM | 359 |
| CFO 3Y Avg | 268 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.8% |
| Rev Chg 3Y Avg | 16.8% |
| Rev Chg Q | 4.9% |
| QoQ Delta Rev Chg LTM | 1.1% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.9% |
| CFO/Rev 3Y Avg | 36.6% |
| FCF/Rev LTM | 31.0% |
| FCF/Rev 3Y Avg | 36.0% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.5 |
| P/S | 1.8 |
| P/Op Inc | - |
| P/EBIT | 4.2 |
| P/E | 6.0 |
| P/CFO | 5.6 |
| Total Yield | 18.4% |
| Dividend Yield | 0.6% |
| FCF Yield 3Y Avg | 18.1% |
| D/E | 0.1 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -9.6% |
| 3M Rtn | -3.9% |
| 6M Rtn | -8.7% |
| 12M Rtn | -3.6% |
| 3Y Rtn | 162.1% |
| 1M Excs Rtn | -14.5% |
| 3M Excs Rtn | -13.1% |
| 6M Excs Rtn | -21.4% |
| 12M Excs Rtn | -30.7% |
| 3Y Excs Rtn | 71.5% |
Price Behavior
| Market Price | $10.78 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 02/23/2007 | |
| Distance from 52W High | -14.0% | |
| 50 Days | 200 Days | |
| DMA Price | $11.32 | $11.14 |
| DMA Trend | up | indeterminate |
| Distance from DMA | -4.8% | -3.2% |
| 3M | 1YR | |
| Volatility | 35.9% | 32.6% |
| Downside Capture | -14.29 | 19.85 |
| Upside Capture | -18.51 | 19.89 |
| Correlation (SPY) | -5.6% | 8.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.18 | 0.31 | 0.27 | 0.25 | 0.40 | 0.55 |
| Up Beta | -0.06 | -0.09 | 0.02 | 0.30 | 0.32 | 0.37 |
| Down Beta | -2.56 | -0.21 | 0.17 | 0.28 | 0.46 | 0.51 |
| Up Capture | 52% | 69% | 57% | 27% | 32% | 64% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 15 | 27 | 42 | 66 | 126 | 366 |
| Down Capture | 35% | 50% | 16% | 16% | 50% | 79% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 7 | 14 | 20 | 56 | 122 | 377 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ACIC | |
|---|---|---|---|---|
| ACIC | 4.5% | 32.5% | 0.17 | - |
| Sector ETF (XLF) | 4.8% | 14.5% | 0.11 | 26.1% |
| Equity (SPY) | 30.3% | 12.0% | 1.91 | 7.9% |
| Gold (GLD) | 36.8% | 26.8% | 1.14 | -11.8% |
| Commodities (DBC) | 41.2% | 18.7% | 1.71 | -2.9% |
| Real Estate (VNQ) | 16.3% | 13.1% | 0.89 | 13.7% |
| Bitcoin (BTCUSD) | -32.5% | 41.9% | -0.83 | 5.6% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ACIC | |
|---|---|---|---|---|
| ACIC | 15.9% | 90.7% | 0.57 | - |
| Sector ETF (XLF) | 8.6% | 18.6% | 0.35 | 13.3% |
| Equity (SPY) | 14.3% | 17.0% | 0.66 | 10.2% |
| Gold (GLD) | 18.8% | 18.0% | 0.85 | 2.3% |
| Commodities (DBC) | 10.1% | 19.4% | 0.41 | 3.7% |
| Real Estate (VNQ) | 3.9% | 18.8% | 0.11 | 11.8% |
| Bitcoin (BTCUSD) | 12.0% | 55.3% | 0.42 | 5.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ACIC | |
|---|---|---|---|---|
| ACIC | -3.1% | 71.9% | 0.27 | - |
| Sector ETF (XLF) | 12.8% | 22.1% | 0.53 | 23.8% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 19.3% |
| Gold (GLD) | 13.0% | 16.0% | 0.67 | 0.4% |
| Commodities (DBC) | 7.5% | 17.9% | 0.34 | 7.1% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 19.9% |
| Bitcoin (BTCUSD) | 66.8% | 66.9% | 1.06 | 5.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/09/2026 | 10-K |
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/10/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/14/2023 | 10-Q |
| 06/30/2023 | 08/21/2023 | 10-Q |
| 03/31/2023 | 05/19/2023 | 10-Q |
| 12/31/2022 | 04/17/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/08/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q1 2026 Earnings Reported 5/5/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Combined Ratio | 0.66 | ||||||
| 2026 Underlying Combined Ratio | 0.68 | 5.1% | Higher New | Guidance: 0.65 for 2025 | |||
Prior: Q4 2025 Earnings Reported 2/19/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2025 Underlying combined ratio target | 0.65 | 0 | Affirmed | Guidance: 0.65 for 2025 | |||
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Davis, Kern Michael | Held by First Child | Buy | 3232026 | 11.05 | 100 | 1,105 | 51,117 | Form | |
| 2 | Davis, Kern Michael | Held by Second Child | Buy | 3232026 | 11.05 | 100 | 1,105 | 51,117 | Form | |
| 3 | Davis, Kern Michael | Held by First Child | Buy | 3182026 | 11.71 | 700 | 8,197 | 48,315 | Form | |
| 4 | Davis, Kern Michael | Held by Second Child | Buy | 3182026 | 11.71 | 700 | 8,197 | 48,315 | Form | |
| 5 | Crawford, Troy J | Chief Underwriting Officer | Direct | Buy | 2242026 | 11.09 | 3,200 | 35,472 | 139,505 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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