Is AMERICAN COASTAL INSURANCE Corp (ACIC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 57.1% | |
| Operating Margin | -10.0% | |
| Net Margin | 31.9% | |
| Return on Equity (ROE) | 38.6% | |
| Return on Assets (ROA) | 8.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $71M |
| Free Cash Flow | $71M |
| Total Debt | $152M |
| Debt-to-Equity | 46.7 |
| Current Ratio | 1.1 |
| Total Assets | $1.1B |
Price & Trading
| Last Close | $11.49 |
| 50-Day MA | $11.21 |
| 200-Day MA | $11.35 |
| Avg Volume | 243K |
| Beta | -0.7 |
|
52-Week Range
$9.97
| |
About AMERICAN COASTAL INSURANCE Corp (ACIC)
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
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Frequently Asked Questions
Is AMERICAN COASTAL INSURANCE Corp (ACIC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), AMERICAN COASTAL INSURANCE Corp is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is AMERICAN COASTAL INSURANCE Corp's debt ratio?
AMERICAN COASTAL INSURANCE Corp's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are AMERICAN COASTAL INSURANCE Corp's key financial metrics?
AMERICAN COASTAL INSURANCE Corp has a market capitalization of $543M, trailing P/E ratio of 5.2, and revenue of $335M. The company maintains a gross margin of 57.1% and a net margin of 31.9%. Return on equity stands at 38.6%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.