Buy Like Buffett
Watchlist

AMERICAN COASTAL INSURANCE Corp

ACIC · Financials · Insurer · FY2025 filings ·

Scored by the financial-sector model

28FY2025 filing
Share / Embed this score
Embed this score

AMERICAN COASTAL INSURANCE Corp is a insurer, scored by a separate financial-sector model — not the operating Moat Score you’ll see on other companies. A bank or insurer is a balance-sheet business the margin-and-ROIC lens doesn’t fit, so it’s read through the components below instead. The two models are calibrated differently and are not comparable: a financial-sector score is never ranked against, sorted with, or averaged into an operating Moat Score. How the models work.

Insider activity

Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”

These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.

This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.

Records still being gathered — partial as of retrieval Aug 3, 2026.

Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.

No reported Form 4 rows were captured for ACIC; the incomplete walk cannot establish zero activity, zero counts, or a negative cluster result.

A filing source-event date will appear when a Form 4 row is captured.

Retrieved .

Visual explainers

Loading the filing-backed visual explainers…

What the financial-sector model scores (insurer)

10

Median ROE 0.1% on average equity, above the 10% hurdle in 29% of 7 years.

94

Q3 scored 2 evidenced ratios equally.

12

Profitable in 60% of 10 years, ROE volatile.

39

Median loss ratio 61.5% of net earned premiums over 8 years through FY2023.

Not scored for this company

Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
Net interest economics apply to banks and lenders; not part of the carrier model.

Scored 4 of 5 applicable components (underwriting carrier model); weights renormalized over the scored set.

Fundamentals

The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.

Financial-sector score history

Reading
Aug 3, 202628
Jul 26, 202628
Jul 26, 202628

Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.

Scored from primary SEC filings via the public financial-sector methodology. Educational only — not a recommendation to buy or sell ACIC. See the disclaimer.