American Coastal Insurance (NASDAQ:ACIC – Get Free Report) and Everest Group (NYSE:EG – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, risk, institutional ownership, valuation, dividends and earnings.
Profitability
This table compares American Coastal Insurance and Everest Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| American Coastal Insurance | 30.31% | 27.95% | 8.20% |
| Everest Group | 11.41% | 13.63% | 3.37% |
Analyst Recommendations
This is a summary of recent recommendations for American Coastal Insurance and Everest Group, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| American Coastal Insurance | 0 | 3 | 1 | 0 | 2.25 |
| Everest Group | 0 | 12 | 4 | 0 | 2.25 |
Institutional and Insider Ownership
22.1% of American Coastal Insurance shares are held by institutional investors. Comparatively, 92.6% of Everest Group shares are held by institutional investors. 49.2% of American Coastal Insurance shares are held by insiders. Comparatively, 0.7% of Everest Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Volatility & Risk
American Coastal Insurance has a beta of -0.46, suggesting that its share price is 146% less volatile than the S&P 500. Comparatively, Everest Group has a beta of 0.28, suggesting that its share price is 72% less volatile than the S&P 500.
Valuation & Earnings
This table compares American Coastal Insurance and Everest Group”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| American Coastal Insurance | $335.44 million | 1.29 | $106.84 million | $2.01 | 4.57 |
| Everest Group | $16.42 billion | 0.87 | $1.59 billion | $47.29 | 7.92 |
Everest Group has higher revenue and earnings than American Coastal Insurance. American Coastal Insurance is trading at a lower price-to-earnings ratio than Everest Group, indicating that it is currently the more affordable of the two stocks.
Summary
Everest Group beats American Coastal Insurance on 7 of the 13 factors compared between the two stocks.
About American Coastal Insurance
American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, 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 August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.
About Everest Group
Everest Group, Ltd., through its subsidiaries, provides reinsurance and insurance products in the United States, Europe, and internationally. The company operates through two segment, Insurance and Reinsurance. The Reinsurance segment writes property and casualty reinsurance; and specialty lines of business through reinsurance brokers, as well as directly with ceding companies in the United States, Bermuda, Ireland, Canada, Singapore, Switzerland, and the United Kingdom. The Insurance Operations segment writes property and casualty insurance directly, as well as through brokers, surplus lines, and general agents in the United States, Bermuda, Canada, Europe, South America, Singapore, France, Germany, Spain, Canada, Chile, the United Kingdom, Ireland, and the Netherlands. The company also provides treaty and facultative reinsurance products; admitted and non-admitted insurance products; and accident and health, specialty underwriters, eversports and entertainment, and surety and credit, marine and aviation, as well as structured and property hybrid solutions. In addition, it offers commercial property and casualty insurance products through wholesale and retail brokers, surplus lines brokers, and program administrators. The company was formerly known as Everest Re Group, Ltd. and changed its name to Everest Group, Ltd. in July 2023.Everest Group, Ltd., was founded in 1973 and is headquartered in Hamilton, Bermuda.
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