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American Coastal Insurance (FRA:0UI) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
American Coastal Insurance Equity-to-Asset Related Terms
American Coastal Insurance Equity-to-Asset 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.
FRA:0UI vs GBLI, AII, NODK: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, American Coastal Insurance's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, American Coastal Insurance's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where American Coastal Insurance's Equity-to-Asset falls into.
American Coastal Insurance Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
American Coastal Insurance's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.33 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on American Coastal Insurance and its competitors. This is 65% above median its historical median of 0.20. According to the industry distribution chart, American Coastal Insurance ranks #181 out of 504 companies in the Insurance industry, placing it in the top 35.9%.
Is American Coastal Insurance's Equity-to-Asset too high?
American Coastal Insurance's current Equity-to-Asset of 0.33 is 65% above median its 10-year median of 0.20. The Insurance industry median Equity-to-Asset is 0.26. American Coastal Insurance's value of 0.33 is 26.9% above this industry median. Based on the distribution chart, American Coastal Insurance ranks #181 out of 504 companies in the Insurance industry, which is above the industry midpoint. Overall, American Coastal Insurance has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does American Coastal Insurance's Equity-to-Asset compare to GBLI and AII?
According to the Insurance industry distribution chart, American Coastal Insurance ranks #181 out of 504 companies for Equity-to-Asset. This puts American Coastal Insurance in the upper half of its industry. The industry median Equity-to-Asset is 0.26. American Coastal Insurance's value of 0.33 is 26.9% above this benchmark. While the company's 10-year median is 0.20 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Coastal Insurance's current Equity-to-Asset of 0.33 is 26.9% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on American Coastal Insurance and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Coastal Insurance's current Equity-to-Asset is 0.33, which is 65% above median its own 10-year median of 0.20. 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 Equity-to-Asset of 0.33. The stock's GF Value™ is €9.38, compared to a current price of €9.35 — trading 0.3% below its estimated fair value. The current Equity-to-Asset is 0.33, which is 65% above median its 10-year median of 0.20 and 26.9% above the Insurance industry median of 0.26. American Coastal Insurance's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For American Coastal Insurance (FRA:0UI), the current Equity-to-Asset is 0.33 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 0.3% below its estimated GF Value™ of €9.38.
Key valuation signals for FRA:0UI:
Equity-to-Asset: 0.33 (65% above median its 10-year median of 0.20)
GF Value™: €9.38 vs. price of €9.35 (0.3% below fair value)
Industry Position: 26.9% above the Insurance median (#181 of 504)
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.
63GF Score
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