American Coastal Insurance (ACIC) vs Root (ROOT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
American Coastal Insurance (ACIC) has outperformed Root (ROOT) over the past year, losing 21.5% versus a loss of 41.7%. Over five years, ACIC leads with a +136.6% price change compared with -47.8% for ROOT. Root is the larger company by market cap ($739.6 million vs $449.5 million), about 1.6 times the size.
On valuation, American Coastal Insurance trades at a lower forward P/E (7.4x vs 16.9x for Root).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ACIC | ROOT |
|---|---|---|
| Share price | $9.51 | $47.74 |
| Market cap | $449.53M | $739.65M |
| 1-day change | +0.96% | +1.21% |
| YTD return | -24.70% | -33.91% |
| 1-year return | -21.47% | -41.67% |
| 5-year return | +136.57% | -47.79% |
| P/E ratio (TTM) | 4.68 | 13.30 |
| Forward P/E | 7.43 | 16.93 |
| EPS (TTM) | $2.03 | $3.59 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $13.06 | $91.00 |
| 52-week low | $9.01 | $40.91 |
| Distance from 52-week high | -27.18% | -47.54% |
| Analyst consensus | none | hold |
| Avg. price target upside | — | +24.01% |
| Average volume | 267.41K | 229.45K |
| Shares outstanding | 47.27M | 13.69M |
| Employees | 68 | 1,256 |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- ACIC has outperformed ROOT by 20.2 percentage points over the past year.
- Root trades at a higher earnings multiple (13.3x vs 4.7x trailing P/E).
About American Coastal Insurance
ACIC stock →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.
Financial Services · Insurance - Property & Casualty · 68 employees
About Root
ROOT stock →Root, Inc. provides insurance products and services in the United States.
Financial Services · Insurance - Property & Casualty · 1,256 employees
ACIC vs ROOT FAQ
Which is bigger, American Coastal Insurance or Root?
Root (ROOT) is larger, with a market capitalization of $739.65M compared with $449.53M for American Coastal Insurance (ACIC).
Which stock has performed better over the past year, ACIC or ROOT?
ACIC returned -21.47% over the past 12 months, compared with -41.67% for ROOT (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ACIC or ROOT?
ACIC has the lower trailing P/E at 4.7, versus 13.3 for ROOT. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are American Coastal Insurance and Root in the same industry?
Yes. Both are classified in the Insurance - Property & Casualty industry within the Financial Services sector.