American Coastal Insurance (FRA:0UI) Cyclically Adjusted Book per Share: €8.79 (As of Mar. 2026)


FRA:0UI American Coastal Insurance Corp FRA:0UI
66 GF Score
Price €9.35
GF Value €9.68
Valuation Fairly Valued
! 2 Warning Signs
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What is American Coastal Insurance Cyclically Adjusted Book per Share?

American Coastal Insurance FRA:0UI -1.58% 66 Cyclically Adjusted Book per Share is €8.79 as of Mar. 2026. GuruFocus rates FRA:0UI with a GF Score™ of 66/100 and a GF Value™ of €9.68 (Fairly Valued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

American Coastal Insurance's adjusted book value per share for the three months ended in Mar. 2026 was €5.935. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €8.79 for the trailing ten years ended in Mar. 2026.

During the past 12 months, American Coastal Insurance's average Cyclically Adjusted Book Growth Rate was -4.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -3.40% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was -0.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of American Coastal Insurance was 10.40% per year. The lowest was -3.40% per year. And the median was 4.35% per year.

As of today (2026-06-29), American Coastal Insurance's current stock price is €9.35. American Coastal Insurance's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €8.79. American Coastal Insurance's Cyclically Adjusted PB Ratio of today is 1.06.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of American Coastal Insurance was 2.71. The lowest was 0.03. And the median was 1.03.


American Coastal Insurance  (FRA:0UI) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

American Coastal Insurance's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=9.35/8.79
=1.06

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of American Coastal Insurance was 2.71. The lowest was 0.03. And the median was 1.03.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


American Coastal Insurance Cyclically Adjusted Book per Share Related Terms


American Coastal Insurance Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for American Coastal Insurance's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

American Coastal Insurance Cyclically Adjusted Book per Share Chart

American Coastal Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.74 6.86 10.15 10.10 8.45

American Coastal Insurance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.66 8.52 8.68 8.45 8.79

FRA:0UI vs AII, HIPO, GBLI: Cyclically Adjusted Book per Share Comparison

For the Insurance - Property & Casualty subindustry, American Coastal Insurance's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


American Coastal Insurance Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, American Coastal Insurance's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where American Coastal Insurance's Cyclically Adjusted PB Ratio falls into.


FRA:0UI
66GF Score
American Coastal Insurance Corp FRA:0UI
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

American Coastal Insurance Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, American Coastal Insurance's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=5.935/330.2130*330.2130
=5.935

Current CPI (Mar. 2026) = 330.2130.

American Coastal Insurance Quarterly Data

Book Value per Share CPI Adj_Book
201606 10.657 241.018 14.601
201609 10.682 241.428 14.610
201612 10.569 241.432 14.456
201703 10.634 243.801 14.403
201706 11.025 244.955 14.862
201709 9.839 246.819 13.163
201712 10.616 246.524 14.220
201803 10.152 249.554 13.433
201806 10.889 251.989 14.269
201809 10.563 252.439 13.817
201812 10.638 251.233 13.982
201903 11.083 254.202 14.397
201906 11.094 256.143 14.302
201909 10.834 256.759 13.933
201912 10.524 256.974 13.523
202003 10.231 258.115 13.089
202006 10.892 257.797 13.952
202009 8.946 260.280 11.350
202012 7.552 260.474 9.574
202103 6.989 264.877 8.713
202106 6.515 271.696 7.918
202109 6.303 274.310 7.588
202112 6.375 278.802 7.551
202203 5.415 287.504 6.219
202206 3.647 296.311 4.064
202209 1.877 296.808 2.088
202212 -3.971 296.797 -4.418
202303 1.802 301.836 1.971
202306 2.390 305.109 2.587
202309 2.604 307.789 2.794
202312 3.308 306.746 3.561
202403 3.926 312.332 4.151
202406 4.306 314.175 4.526
202409 4.852 315.301 5.081
202412 4.669 315.605 4.885
202503 4.995 319.799 5.158
202506 5.199 322.561 5.322
202509 5.717 324.800 5.812
202512 5.561 324.054 5.667
202603 5.935 330.213 5.935

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €8.79 mean?
American Coastal Insurance (FRA:0UI) has a Cyclically Adjusted Book per Share of €8.79 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on American Coastal Insurance and its competitors.
Is American Coastal Insurance's Cyclically Adjusted Book per Share too high?
American Coastal Insurance's current Cyclically Adjusted Book per Share is €8.79. Overall, American Coastal Insurance has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Coastal Insurance's Cyclically Adjusted Book per Share compare to AII and HIPO?
American Coastal Insurance's Cyclically Adjusted Book per Share of €8.79 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on American Coastal Insurance and its competitors. American Coastal Insurance's current Cyclically Adjusted Book per Share is €8.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Coastal Insurance stock overvalued right now?
Based on GuruFocus' analysis, American Coastal Insurance (FRA:0UI) is currently considered Fairly Valued. The stock's GF Value™ is €9.68, compared to a current price of €9.35 — trading 3.4% below its estimated fair value. The current Cyclically Adjusted Book per Share is €8.79. American Coastal Insurance's overall GF Score™ is 66/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For American Coastal Insurance (FRA:0UI), the current Cyclically Adjusted Book per Share is €8.79 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is American Coastal Insurance (FRA:0UI) Overvalued in 2026?

Based on GuruFocus' analysis, American Coastal Insurance stock appears to be undervalued. The current stock price of €9.35 is trading 3.4% below its estimated GF Value™ of €9.68. GuruFocus considers American Coastal Insurance to be Fairly Valued.

Key valuation signals for FRA:0UI:

  • Cyclically Adjusted Book per Share: €8.79
  • GF Value™: €9.68 vs. price of €9.35 (3.4% below fair value)
  • GF Score™: 66/100 with 2 warning signs

No single metric tells the full story. See the FRA:0UI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


American Coastal Insurance Business Description

Other Exchanges ACIC:USA
Address 570 Carillon Parkway, Suite 100, Saint Petersburg, FL, USA, 33716
American Coastal Insurance Corp is a holding company that underwrites commercial residential property and casualty insurance policies in the United States through its wholly-owned insurance subsidiary.
66GF Score

Get the complete analysis for FRA:0UI

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€9.35
Price
€9.68
GF Value