American Coastal InsuranceACIC 52 EBITDA Margin % is 40.72% as of Mar. 2026, which is 638% above its 10-year median of 5.52. GuruFocus rates ACIC with a GF Score™ of 52/100 and a GF Value™ of $11.54 (Fairly Valued). The stock has 2 warning signs investors should review. Among 369 Insurance companies, American Coastal Insurance ranks better than 90.51% on this metric.
American Coastal Insurance (NAS:ACIC) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
American Coastal Insurance EBITDA Margin % Related Terms
American Coastal Insurance EBITDA Margin % Historical Data
* 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.
ACIC vs GBLI, DGICA, HRTG: EBITDA Margin % Comparison
For the Insurance - Property & Casualty subindustry, American Coastal Insurance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, American Coastal Insurance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where American Coastal Insurance's EBITDA Margin % falls into.
* 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 (ACIC) has a EBITDA Margin % of 40.72% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on American Coastal Insurance and its competitors. This is 638% above median its historical median of 5.52. According to the industry distribution chart, American Coastal Insurance ranks #35 out of 369 companies in the Insurance industry, placing it in the top 9.5%.
Is American Coastal Insurance's EBITDA Margin % too high?
American Coastal Insurance's current EBITDA Margin % of 40.72% is 638% above median its 10-year median of 5.52. The Insurance industry median EBITDA Margin % is 14.81. American Coastal Insurance's value of 40.72% is 174.9% above this industry median. Based on the distribution chart, American Coastal Insurance ranks #35 out of 369 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, American Coastal Insurance has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Coastal Insurance's EBITDA Margin % compare to GBLI and DGICA?
According to the Insurance industry distribution chart, American Coastal Insurance ranks #35 out of 369 companies for EBITDA Margin %. This places American Coastal Insurance in the top 10% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 14.81. American Coastal Insurance's value of 40.72% is 174.9% above this benchmark. While the company's 10-year median is 5.52 vs. the industry median of 14.81, American Coastal Insurance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.81, based on 369 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Coastal Insurance's current EBITDA Margin % of 40.72% is 174.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on American Coastal Insurance and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Coastal Insurance's current EBITDA Margin % is 40.72%, which is 638% above median its own 10-year median of 5.52. 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 Fairly Valued. The stock's GF Value™ is $11.54, compared to a current price of $10.95 — trading 5.1% below its estimated fair value. The current EBITDA Margin % is 40.72%, which is 638% above median its 10-year median of 5.52 and 174.9% above the Insurance industry median of 14.81. American Coastal Insurance's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For American Coastal Insurance (ACIC), the current EBITDA Margin % is 40.72% 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 (ACIC) Overvalued in 2026?
Based on GuruFocus' analysis, American Coastal Insurance stock appears to be undervalued.
The current stock price of $10.95 is trading 5.1% below its estimated GF Value™ of $11.54.
GuruFocus considers American Coastal Insurance to be Fairly Valued.
Key valuation signals for ACIC:
EBITDA Margin %: 40.72% (638% above median its 10-year median of 5.52)
GF Value™: $11.54 vs. price of $10.95 (5.1% below fair value)
Industry Position: 174.9% above the Insurance median (#35 of 369)
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 Corp is a holding company that underwrites commercial residential property and casualty insurance policies in the United States through its wholly-owned insurance subsidiary.
52GF Score
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