American Coastal InsuranceFRA:0UI -1.58%66 EV-to-FCF is 14.60 as of Jun. 28, 2026, which is 466% above its 10-year median of 2.58. 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. Among 395 Insurance companies, American Coastal Insurance ranks worse than 68.61% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, American Coastal Insurance's Enterprise Value is €506.9 Mil.
American Coastal Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €34.7 Mil. Therefore, American Coastal Insurance's EV-to-FCF for today is 14.60.
The historical rank and industry rank for American Coastal Insurance's EV-to-FCF or its related term are showing as below:
FRA:0UI'
s EV-to-FCF Range Over the Past 10 Years
Min: -13.17 Med: 2.58 Max: 45.53
Current: 14.88
During the past 13 years, the highest EV-to-FCF of American Coastal Insurance was 45.53. The lowest was -13.17. And the median was 2.58.
FRA:0UI's EV-to-FCF is ranked worse than 68.61% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs FRA:0UI: 14.88
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (FRA:0UI) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 €9.35.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
American Coastal Insurance EV-to-FCF Related Terms
American Coastal Insurance EV-to-FCF 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, DGICA, HRTG: EV-to-FCF Comparison
For the Insurance - Property & Casualty subindustry, American Coastal Insurance's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, American Coastal Insurance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where American Coastal Insurance's EV-to-FCF falls into.
American Coastal Insurance's current Enterprise Value is €506.9 Mil.
American Coastal Insurance's Free Cash Flow 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 €34.7 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-FCF of 14.60 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on American Coastal Insurance and its competitors. This is 466% above median its historical median of 2.58. According to the industry distribution chart, American Coastal Insurance ranks #271 out of 395 companies in the Insurance industry, placing it in the top 68.6%.
Is American Coastal Insurance's EV-to-FCF too high?
American Coastal Insurance's current EV-to-FCF of 14.60 is 466% above median its 10-year median of 2.58. The Insurance industry median EV-to-FCF is 9.32. American Coastal Insurance's value of 14.60 is 56.7% above this industry median. Based on the distribution chart, American Coastal Insurance ranks #271 out of 395 companies in the Insurance industry, which is below the industry midpoint. 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 EV-to-FCF compare to GBLI and DGICA?
According to the Insurance industry distribution chart, American Coastal Insurance ranks #271 out of 395 companies for EV-to-FCF. This places American Coastal Insurance in the lower half of its industry. The industry median EV-to-FCF is 9.32. American Coastal Insurance's value of 14.60 is 56.7% above this benchmark. While the company's 10-year median is 2.58 vs. the industry median of 9.32, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Coastal Insurance's current EV-to-FCF of 14.60 is 56.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on American Coastal Insurance and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Coastal Insurance's current EV-to-FCF is 14.60, which is 466% above median its own 10-year median of 2.58. 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 EV-to-FCF is 14.60, which is 466% above median its 10-year median of 2.58 and 56.7% above the Insurance industry median of 9.32. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For American Coastal Insurance (FRA:0UI), the current EV-to-FCF is 14.60 as of Jun. 28, 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:
EV-to-FCF: 14.60 (466% above median its 10-year median of 2.58)
GF Value™: €9.68 vs. price of €9.35 (3.4% below fair value)
Industry Position: 56.7% above the Insurance median (#271 of 395)
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.
66GF Score
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