ACIC (American Coastal Insurance) E10: $-0.52 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ACIC American Coastal Insurance Corp ACIC
64 GF Score
Price $10.45
GF Value $12.05
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is American Coastal Insurance E10?

American Coastal Insurance ACIC +1.59% 64 E10 is $-0.52 as of Jun. 2026. GuruFocus rates ACIC with a GF Score™ of 64/100 and a GF Value™ of $12.05 (Modestly Undervalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

American Coastal Insurance's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.440. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $-0.52 for the trailing ten years ended in Jun. 2026.

During the past 3 years, the average E10 Growth Rate was 18.40% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of American Coastal Insurance was 18.40% per year. The lowest was -29.80% per year. And the median was -24.50% per year.

As of today (2026-08-09), American Coastal Insurance's current stock price is $10.45. American Coastal Insurance's E10 for the quarter that ended in Jun. 2026 was $-0.52. American Coastal Insurance's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of American Coastal Insurance was 24.01. The lowest was 7.52. And the median was 14.70.


American Coastal Insurance  (NAS:ACIC) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of American Coastal Insurance was 24.01. The lowest was 7.52. And the median was 14.70.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


American Coastal Insurance E10 Related Terms


American Coastal Insurance E10 Historical Data

* Premium members only.

The historical data trend for American Coastal Insurance's E10 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 E10 Chart

American Coastal Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.27 -0.92 -0.40 -0.53 -0.50

American Coastal Insurance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 -0.48 -0.47 -0.50 -0.49 -0.52

ACIC vs GBLI, AII, NODK: E10 Comparison

For the Insurance - Property & Casualty subindustry, American Coastal Insurance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where American Coastal Insurance's Shiller PE Ratio falls into.


ACIC
64GF Score
American Coastal Insurance Corp ACIC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

American Coastal Insurance E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.44/333.9520*333.9520
=0.440

Current CPI (Jun. 2026) = 333.9520.

American Coastal Insurance Quarterly Data

per share eps CPI Adj_EPS
201609 0.160 241.428 0.221
201612 -0.490 241.432 -0.678
201703 0.180 243.801 0.247
201706 0.170 244.955 0.232
201709 -0.660 246.819 -0.893
201712 0.630 246.524 0.853
201803 0.200 249.554 0.268
201806 0.340 251.989 0.451
201809 -0.270 252.439 -0.357
201812 -0.260 251.233 -0.346
201903 0.220 254.202 0.289
201906 -0.070 256.143 -0.091
201909 -0.660 256.759 -0.858
201912 -0.190 256.974 -0.247
202003 -0.300 258.115 -0.388
202006 0.560 257.797 0.725
202009 -1.730 260.280 -2.220
202012 -0.790 260.474 -1.013
202103 -0.410 264.877 -0.517
202106 -0.550 271.696 -0.676
202109 -0.330 274.310 -0.402
202112 -0.050 278.802 -0.060
202203 -0.770 287.504 -0.894
202206 -1.600 296.311 -1.803
202209 -1.650 296.808 -1.856
202212 -6.840 296.797 -7.696
202303 6.140 301.836 6.793
202306 0.410 305.109 0.449
202309 0.240 307.789 0.260
202312 0.310 306.746 0.337
202403 0.480 312.332 0.513
202406 0.390 314.175 0.415
202409 0.570 315.301 0.604
202412 0.100 315.605 0.106
202503 0.430 319.799 0.449
202506 0.530 322.561 0.549
202509 0.650 324.800 0.668
202512 0.530 324.054 0.546
202603 0.390 330.213 0.394
202606 0.440 333.952 0.440

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $-0.52 mean?
American Coastal Insurance (ACIC) has a E10 of $-0.52 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on American Coastal Insurance and its competitors.
Is American Coastal Insurance's E10 too high?
American Coastal Insurance's current E10 is $-0.52. Overall, American Coastal Insurance has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does American Coastal Insurance's E10 compare to GBLI and AII?
American Coastal Insurance's E10 of $-0.52 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 E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on American Coastal Insurance and its competitors. American Coastal Insurance's current E10 is $-0.52. 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 (ACIC) is currently considered Modestly Undervalued. The stock's GF Value™ is $12.05, compared to a current price of $10.45 — trading 13.3% below its estimated fair value. The current E10 is $-0.52. American Coastal Insurance's overall GF Score™ is 64/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For American Coastal Insurance (ACIC), the current E10 is $-0.52 as of Jun. 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 (ACIC) Overvalued in 2026?

Based on GuruFocus' analysis, American Coastal Insurance stock appears to be undervalued. The current stock price of $10.45 is trading 13.3% below its estimated GF Value™ of $12.05. GuruFocus considers American Coastal Insurance to be Modestly Undervalued.

Key valuation signals for ACIC:

  • E10: $-0.52
  • GF Value™: $12.05 vs. price of $10.45 (13.3% below fair value)
  • GF Score™: 64/100 with 2 warning signs

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


American Coastal Insurance Business Description

Other Exchanges 0UI:Germany
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.
64GF Score

Get the complete analysis for ACIC

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.45
Price
$12.05
GF Value