American Coastal Insurance (FRA:0UI) E10: €-0.42 (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 E10?

American Coastal Insurance FRA:0UI -1.58% 66 E10 is €-0.42 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 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 Mar. 2026 was €0.337. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €-0.42 for the trailing ten years ended in Mar. 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 (2026-06-28), American Coastal Insurance's current stock price is €9.35. American Coastal Insurance's E10 for the quarter that ended in Mar. 2026 was €-0.42. 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  (FRA:0UI) 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 0.24 -0.56 -0.37 -0.50 -0.42

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
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 -0.45 -0.39 -0.39 -0.42 -0.42

FRA:0UI vs GBLI, DGICA, HRTG: 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.


FRA:0UI
66GF Score
American Coastal Insurance Corp FRA:0UI
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 Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.337/330.2130*330.2130
=0.337

Current CPI (Mar. 2026) = 330.2130.

American Coastal Insurance Quarterly Data

per share eps CPI Adj_EPS
201606 0.401 241.018 0.549
201609 0.143 241.428 0.196
201612 -0.465 241.432 -0.636
201703 0.168 243.801 0.228
201706 0.151 244.955 0.204
201709 -0.554 246.819 -0.741
201712 0.532 246.524 0.713
201803 0.162 249.554 0.214
201806 0.291 251.989 0.381
201809 -0.231 252.439 -0.302
201812 -0.229 251.233 -0.301
201903 0.195 254.202 0.253
201906 -0.062 256.143 -0.080
201909 -0.599 256.759 -0.770
201912 -0.171 256.974 -0.220
202003 -0.271 258.115 -0.347
202006 0.497 257.797 0.637
202009 -1.469 260.280 -1.864
202012 -0.649 260.474 -0.823
202103 -0.344 264.877 -0.429
202106 -0.457 271.696 -0.555
202109 -0.281 274.310 -0.338
202112 -0.044 278.802 -0.052
202203 -0.699 287.504 -0.803
202206 -1.514 296.311 -1.687
202209 -1.667 296.808 -1.855
202212 -6.457 296.797 -7.184
202303 5.735 301.836 6.274
202306 0.378 305.109 0.409
202309 0.225 307.789 0.241
202312 0.284 306.746 0.306
202403 0.442 312.332 0.467
202406 0.362 314.175 0.380
202409 0.514 315.301 0.538
202412 0.096 315.605 0.100
202503 0.398 319.799 0.411
202506 0.460 322.561 0.471
202509 0.554 324.800 0.563
202512 0.453 324.054 0.462
202603 0.337 330.213 0.337

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 €-0.42 mean?
American Coastal Insurance (FRA:0UI) has a E10 of €-0.42 as of Mar. 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 €-0.42. 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 E10 compare to GBLI and DGICA?
American Coastal Insurance's E10 of €-0.42 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 €-0.42. 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 E10 is €-0.42. 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 E10 calculated?
E10 is calculated from a company's financial statements. For American Coastal Insurance (FRA:0UI), the current E10 is €-0.42 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:

  • E10: €-0.42
  • 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

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

€9.35
Price
€9.68
GF Value