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American Coastal InsuranceACIC +1.59%64 Interest Coverage is 13.12 as of Jun. 2026, which is 39% above its 10-year median of 9.47. GuruFocus rates ACIC with a GF Score™ of 64/100 and a GF Value™ of $12.05 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 354 Insurance companies, American Coastal Insurance ranks worse than 53.11% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. American Coastal Insurance's
EBIT
for the
three
months ended in Jun. 2026 was $30.7 Mil. American Coastal Insurance's Interest Expense for the
three
months ended in Jun. 2026 was $-2.3 Mil.
American Coastal Insurance's interest coverage for the quarter that ended in Jun. 2026 was 13.12.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for American Coastal Insurance's Interest Coverage or its related term are showing as below:
ACIC'
s Interest Coverage Range Over the Past 10 Years
Min: 0.57 Med: 9.47 Max: 14.23
Current: 14.23
ACIC's Interest Coverage is ranked worse than 53.11% of 354
companies
in the Insurance industry
Industry Median: 15.76
vs ACIC: 14.23
American Coastal Insurance (NAS:ACIC) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
American Coastal Insurance Interest Coverage Related Terms
American Coastal Insurance Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
American Coastal Insurance Interest Coverage Chart
ACIC vs GBLI, AII, NODK: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, American Coastal Insurance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, American Coastal Insurance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where American Coastal Insurance's Interest Coverage falls into.
American Coastal Insurance Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 13.12 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on American Coastal Insurance and its competitors. This is 39% above median its historical median of 9.47. Over the past decade, American Coastal Insurance's Interest Coverage has ranged from 0.57 to 14.23. According to the industry distribution chart, American Coastal Insurance ranks #188 out of 354 companies in the Insurance industry, placing it in the top 53.1%.
Is American Coastal Insurance's Interest Coverage too high?
American Coastal Insurance's current Interest Coverage of 13.12 is 39% above median its 10-year median of 9.47. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 14.23. The Insurance industry median Interest Coverage is 15.76. American Coastal Insurance's value of 13.12 is 16.8% below this industry median. Based on the distribution chart, American Coastal Insurance ranks #188 out of 354 companies in the Insurance industry, which is below the industry midpoint. Overall, American Coastal Insurance has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does American Coastal Insurance's Interest Coverage compare to GBLI and AII?
According to the Insurance industry distribution chart, American Coastal Insurance ranks #188 out of 354 companies for Interest Coverage. This places American Coastal Insurance in the lower half of its industry. The industry median Interest Coverage is 15.76. American Coastal Insurance's value of 13.12 is 16.8% below this benchmark. Historically, American Coastal Insurance's own Interest Coverage has ranged from 0.57 to 14.23 over the past decade. While the company's 10-year median is 9.47 vs. the industry median of 15.76, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 15.76, based on 354 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Coastal Insurance's current Interest Coverage of 13.12 is 16.8% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on American Coastal Insurance and its competitors. For the Insurance industry, the median Interest Coverage is 15.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Coastal Insurance's current Interest Coverage is 13.12, which is 39% above median its own 10-year median of 9.47. 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 Modestly Undervalued. The stock's GF Value™ is $12.05, compared to a current price of $10.45 — trading 13.3% below its estimated fair value. The current Interest Coverage is 13.12, which is 39% above median its 10-year median of 9.47 and 16.8% below the Insurance industry median of 15.76. American Coastal Insurance's overall GF Score™ is 64/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For American Coastal Insurance (ACIC), the current Interest Coverage is 13.12 as of Jun. 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 $10.45 is trading 13.3% below its estimated GF Value™ of $12.05.
GuruFocus considers American Coastal Insurance to be Modestly Undervalued.
Key valuation signals for ACIC:
Interest Coverage: 13.12 (39% above median its 10-year median of 9.47)
GF Value™: $12.05 vs. price of $10.45 (13.3% below fair value)
Industry Position: 16.8% below the Insurance median (#188 of 354)
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.
64GF Score
Get the complete analysis for ACIC
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