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EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, American Coastal Insurance's enterprise value is €463.8 Mil.
American Coastal Insurance's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was €136.1 Mil. Therefore, American Coastal Insurance's EV-to-EBITDA for today is 3.41.
The historical rank and industry rank for American Coastal Insurance's EV-to-EBITDA or its related term are showing as below:
FRA:0UI'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -83.55 Med: 3.63 Max: 46.26
Current: 3.34
During the past 13 years, the highest EV-to-EBITDA of American Coastal Insurance was 46.26. The lowest was -83.55. And the median was 3.63.
FRA:0UI's EV-to-EBITDA is ranked better than 86.17% of 347
companies
in the Insurance industry
Industry Median: 8.32
vs FRA:0UI: 3.34
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
American Coastal Insurance (FRA:0UI) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
American Coastal Insurance's PE Ratio (TTM) for today is calculated as:
American Coastal Insurance's share price for today is €8.90.
American Coastal Insurance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.804.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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.
FRA:0UI vs AII, HIPO, GBLI: EV-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, American Coastal Insurance's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, American Coastal Insurance's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where American Coastal Insurance's EV-to-EBITDA falls into.
American Coastal Insurance's current Enterprise Value is €463.8 Mil.
American Coastal Insurance's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €136.1 Mil.
* 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 (FRA:0UI) has a EV-to-EBITDA of 3.41 as of Jul. 22, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on American Coastal Insurance. This is near median its historical median of 3.63. According to the industry distribution chart, American Coastal Insurance ranks #48 out of 347 companies in the Insurance industry, placing it in the top 13.8%.
Is American Coastal Insurance's EV-to-EBITDA too high?
American Coastal Insurance's current EV-to-EBITDA of 3.41 is near median its 10-year median of 3.63. The Insurance industry median EV-to-EBITDA is 8.32. American Coastal Insurance's value of 3.41 is 59% below this industry median. Based on the distribution chart, American Coastal Insurance ranks #48 out of 347 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 59/100, reflecting its overall financial health beyond just this single metric.
How does American Coastal Insurance's EV-to-EBITDA compare to AII and HIPO?
According to the Insurance industry distribution chart, American Coastal Insurance ranks #48 out of 347 companies for EV-to-EBITDA. This places American Coastal Insurance in the top 14% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 8.32. American Coastal Insurance's value of 3.41 is 59% below this benchmark. While the company's 10-year median is 3.63 vs. the industry median of 8.32, American Coastal Insurance has consistently been below 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.32, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Coastal Insurance's current EV-to-EBITDA of 3.41 is 59% below 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on American Coastal Insurance. For the Insurance industry, the median EV-to-EBITDA is 8.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Coastal Insurance's current EV-to-EBITDA is 3.41, which is near median its own 10-year median of 3.63. 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?
American Coastal Insurance (FRA:0UI) has a current EV-to-EBITDA of 3.41. The stock's GF Value™ is €9.90, compared to a current price of €8.90 — trading 10.1% below its estimated fair value. The current EV-to-EBITDA is 3.41, which is near median its 10-year median of 3.63 and 59% below the Insurance industry median of 8.32. American Coastal Insurance's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For American Coastal Insurance (FRA:0UI), the current EV-to-EBITDA is 3.41 as of Jul. 22, 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 €8.90 is trading 10.1% below its estimated GF Value™ of €9.90.
Key valuation signals for FRA:0UI:
EV-to-EBITDA: 3.41 (near median its 10-year median of 3.63)
GF Value™: €9.90 vs. price of €8.90 (10.1% below fair value)
Industry Position: 59% below the Insurance median (#48 of 347)
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 Corp is a holding company that underwrites commercial residential property and casualty insurance policies in the United States through its wholly-owned insurance subsidiary.
59GF Score
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