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ACIC vs BRK-B

ACIC
American Coastal Insurance Corporation
BEARISH
Price
$11.31
Market Cap
$551.5M
Sector
Financial Services
AI Confidence
85%
BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ACIC
6.54
BRK-B
15.46
Forward P/E
ACIC
7.32
BRK-B
22.06
P/B Ratio
ACIC
1.53
BRK-B
0.0
P/S Ratio
ACIC
1.64
BRK-B
2.79
EV/EBITDA
ACIC
3.14
BRK-B
-2.12

Profitability

Gross Margin
ACIC
57.11%
BRK-B
26.15%
Operating Margin
ACIC
-10.03%
BRK-B
32.96%
Profit Margin
ACIC
31.85%
BRK-B
18.03%
ROE
ACIC
38.61%
BRK-B
9.81%
ROA
ACIC
8.01%
BRK-B
5.11%

Growth

Revenue Growth
ACIC
-23.5%
BRK-B
-0.7%
Earnings Growth
ACIC
--
BRK-B
-2.5%

Financial Health

Debt/Equity
ACIC
0.47
BRK-B
0.19
Current Ratio
ACIC
1.05
BRK-B
7.07
Quick Ratio
ACIC
0.49
BRK-B
6.62

Dividends

Dividend Yield
ACIC
--
BRK-B
--
Payout Ratio
ACIC
0.0%
BRK-B
0.0%

AI Verdict

ACIC BEARISH

ACIC's Piotroski F-Score of 3/9 indicates weak financial health, with no Altman Z-Score available to assess bankruptcy risk. Despite a high Graham Number ($16.99) and strong profitability metrics like 31.85% profit margin and 38.61% ROE, the company exhibits severe revenue contraction (-23.50% YoY) and negative operating margin (-10.03%), signaling deteriorating core business performance. The stock trades at a P/E of 6.54, below sector average, but this is likely a reflection of declining fundamentals rather than undervaluation. Analysts recommend 'buy' with a $14.00 target, but insider selling and weak technical momentum undermine conviction.

Strengths
High profit margin (31.85%) and strong ROE (38.61%) indicate efficient capital use
Graham Number of $16.99 suggests defensive fair value potential
Recent quarters have shown significant earnings surprises (up to +241.2%)
Risks
Piotroski F-Score of 3/9 signals weak financial health and potential distress
Negative operating margin (-10.03%) and declining revenue (-23.50% YoY) indicate core business deterioration
Insider selling of $0.22M in the last 6 months signals bearish sentiment
BRK-B NEUTRAL

The deterministic health profile is weak, highlighted by a Piotroski F-Score of 3/9, indicating deteriorating operational efficiency and profitability trends. While the company maintains a fortress balance sheet with a Debt/Equity ratio of 0.19 and a Current Ratio of 7.07, the stock is trading at a significant premium to its growth-based intrinsic value of $217.21. Negative YoY revenue and earnings growth, coupled with a bearish technical trend, offset the positive analyst sentiment and long-term historical performance.

Strengths
Exceptional liquidity with a Current Ratio of 7.07
Very low leverage (Debt/Equity 0.19)
Strong operating margins at 32.96%
Risks
Significant overvaluation relative to intrinsic value ($479.75 vs $217.21)
Negative YoY earnings growth (-2.50%) and revenue growth (-0.70%)
Weak Piotroski F-Score (3/9) suggesting declining financial health trends

Compare Another Pair

ACIC vs BRK-B: Head-to-Head Comparison

This page compares American Coastal Insurance Corporation (ACIC) and Berkshire Hathaway Inc. (BRK-B) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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