ACIC (American Coastal Insurance) LT-Debt-to-Total-Asset: 0.15 (As of Mar. 2026)

What is American Coastal Insurance LT-Debt-to-Total-Asset?

American Coastal Insurance ACIC +3.58% 51 LT-Debt-to-Total-Asset is 0.15 as of Mar. 2026. GuruFocus rates ACIC with a GF Score™ of 51/100 and a GF Value™ of $11.54 (Fairly Valued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. American Coastal Insurance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.15.

American Coastal Insurance's long-term debt to total assets ratio increased from Mar. 2025 (0.13) to Mar. 2026 (0.15). It may suggest that American Coastal Insurance is progressively becoming more dependent on debt to grow their business.

American Coastal Insurance (NAS:ACIC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

American Coastal Insurance LT-Debt-to-Total-Asset Related Terms

American Coastal Insurance LT-Debt-to-Total-Asset Historical Data

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The historical data trend for American Coastal Insurance's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

American Coastal Insurance Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.06

0.05

0.14

0.13

0.14

American Coastal Insurance Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.13	0.11	0.13	0.14	0.15

51GF Score

American Coastal Insurance Corp ACIC

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American Coastal Insurance LT-Debt-to-Total-Asset Calculation

American Coastal Insurance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	152.488	/	1072.732
	=	0.14

American Coastal Insurance's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	152.513	/	997.006
	=	0.15

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.15 mean?

American Coastal Insurance (ACIC) has a LT-Debt-to-Total-Asset of 0.15 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on American Coastal Insurance and its competitors.

Is American Coastal Insurance's LT-Debt-to-Total-Asset too high?

American Coastal Insurance's current LT-Debt-to-Total-Asset is 0.15. Overall, American Coastal Insurance has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does American Coastal Insurance's LT-Debt-to-Total-Asset compare to GBLI and DGICA?

American Coastal Insurance's LT-Debt-to-Total-Asset of 0.15 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on American Coastal Insurance and its competitors. American Coastal Insurance's current LT-Debt-to-Total-Asset is 0.15. 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 $11.15 — trading 3.4% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.15. American Coastal Insurance's overall GF Score™ is 51/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For American Coastal Insurance (ACIC), the current LT-Debt-to-Total-Asset is 0.15 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 $11.15 is trading 3.4% below its estimated GF Value™ of $11.54. GuruFocus considers American Coastal Insurance to be Fairly Valued.

Key valuation signals for ACIC:

LT-Debt-to-Total-Asset: 0.15
GF Value™: $11.54 vs. price of $11.15 (3.4% below fair value)
GF Score™: 51/100 with 2 warning signs

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 Business Description

Industry Financial Services Insurance

Comparable Companies GBLI DGICA HRTG HIPO AII NODK KINS ROOT BOW ASIC CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSE:8630

Other Exchanges 0UI:Germany

Address 570 Carillon Parkway, Suite 100, Saint Petersburg, FL, USA, 33716

Website https://www.amcoastal.com

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.

51GF Score

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$11.15

Price

$11.54

GF Value

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