Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
American Coastal Insurance's 3-Year RORE % for the quarter that ended in Mar. 2026 was 13.12%.
The industry rank for American Coastal Insurance's 3-Year RORE % or its related term are showing as below:
ACIC's 3-Year RORE % is ranked better than 51.58% of 475
companies
in the Insurance industry
Industry Median: 11.7
vs ACIC: 13.12
American Coastal Insurance (NAS:ACIC) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
American Coastal Insurance 3-Year RORE % Related Terms
American Coastal Insurance 3-Year RORE % 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.
For the Insurance - Property & Casualty subindustry, American Coastal Insurance's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, American Coastal Insurance's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where American Coastal Insurance's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
American Coastal Insurance (ACIC) has a 3-Year RORE % of 13.12 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on American Coastal Insurance and its competitors. According to the industry distribution chart, American Coastal Insurance ranks #230 out of 475 companies in the Insurance industry, placing it in the top 48.4%.
Is American Coastal Insurance's 3-Year RORE % too high?
American Coastal Insurance's current 3-Year RORE % is 13.12. The Insurance industry median 3-Year RORE % is 11.70. American Coastal Insurance's value of 13.12 is 12.1% above this industry median. Based on the distribution chart, American Coastal Insurance ranks #230 out of 475 companies in the Insurance industry, which is above the industry midpoint. 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 3-Year RORE % compare to AII and HIPO?
According to the Insurance industry distribution chart, American Coastal Insurance ranks #230 out of 475 companies for 3-Year RORE %. This puts American Coastal Insurance in the upper half of its industry. The industry median 3-Year RORE % is 11.70. American Coastal Insurance's value of 13.12 is 12.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.70, based on 475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Coastal Insurance's current 3-Year RORE % of 13.12 is 12.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on American Coastal Insurance and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Coastal Insurance's current 3-Year RORE % is 13.12. 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 $11.50, compared to a current price of $11.59 — trading 0.7% above its estimated fair value. The current 3-Year RORE % is 13.12 and 12.1% above the Insurance industry median of 11.70. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For American Coastal Insurance (ACIC), the current 3-Year RORE % is 13.12 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 overvalued.
The current stock price of $11.59 is trading 0.7% above its estimated GF Value™ of $11.50.
GuruFocus considers American Coastal Insurance to be Fairly Valued.
Key valuation signals for ACIC:
3-Year RORE %: 13.12
GF Value™: $11.50 vs. price of $11.59 (0.7% above fair value)
Industry Position: 12.1% above the Insurance median (#230 of 475)
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.
51GF Score
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