American Coastal InsuranceACIC -2.28%52 Net Margin % is 27.07% as of Mar. 2026, which is 4338% above its 10-year median of 0.61. GuruFocus rates ACIC with a GF Score™ of 52/100 and a GF Value™ of $11.54 (Fairly Valued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, American Coastal Insurance ranks better than 90.42% on this metric.
The historical rank and industry rank for American Coastal Insurance's Net Margin % or its related term are showing as below:
ACIC'
s Net Margin % Range Over the Past 10 Years
Min: -212.81 Med: 0.61 Max: 117.53
Current: 31.33
ACIC's Net Margin % is ranked better than 90.42% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs ACIC: 31.33
American Coastal Insurance (NAS:ACIC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
American Coastal Insurance Net Margin % Related Terms
American Coastal Insurance Net Margin % 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.
ACIC vs GBLI, DGICA, HRTG: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, American Coastal Insurance's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, American Coastal Insurance's Net Margin % distribution charts can be found below:
* The bar in red indicates where American Coastal Insurance's Net Margin % falls into.
* 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 Net Margin % of 27.07% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on American Coastal Insurance and its competitors. This is 4338% above median its historical median of 0.61. According to the industry distribution chart, American Coastal Insurance ranks #48 out of 501 companies in the Insurance industry, placing it in the top 9.6%.
Is American Coastal Insurance's Net Margin % too high?
American Coastal Insurance's current Net Margin % of 27.07% is 4338% above median its 10-year median of 0.61. The Insurance industry median Net Margin % is 9.29. American Coastal Insurance's value of 27.07% is 191.4% above this industry median. Based on the distribution chart, American Coastal Insurance ranks #48 out of 501 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 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Coastal Insurance's Net Margin % compare to GBLI and DGICA?
According to the Insurance industry distribution chart, American Coastal Insurance ranks #48 out of 501 companies for Net Margin %. This places American Coastal Insurance in the top 10% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.29. American Coastal Insurance's value of 27.07% is 191.4% above this benchmark. While the company's 10-year median is 0.61 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Coastal Insurance's current Net Margin % of 27.07% is 191.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on American Coastal Insurance and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Coastal Insurance's current Net Margin % is 27.07%, which is 4338% above median its own 10-year median of 0.61. 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 $10.70 — trading 7.3% below its estimated fair value. The current Net Margin % is 27.07%, which is 4338% above median its 10-year median of 0.61 and 191.4% above the Insurance industry median of 9.29. American Coastal Insurance's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For American Coastal Insurance (ACIC), the current Net Margin % is 27.07% 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 $10.70 is trading 7.3% below its estimated GF Value™ of $11.54.
GuruFocus considers American Coastal Insurance to be Fairly Valued.
Key valuation signals for ACIC:
Net Margin %: 27.07% (4338% above median its 10-year median of 0.61)
GF Value™: $11.54 vs. price of $10.70 (7.3% below fair value)
Industry Position: 191.4% above the Insurance median (#48 of 501)
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.
52GF Score
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