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Strong institutional accumulation: ownership increased +3.91% quarter-over-quarter.
Data as of Q1 2026
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How management deployed cash over 10 years — and what it earned on reinvestment.
A balanced mix of reinvestment and shareholder returns.
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 23%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $199M covers all $150M of scheduled principal — no refinancing pressure. Scheduled principal only (excludes interest & revolver draws). As of 2025-12-31 (10-K).
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest is easily covered by operating profit. Effective rate ~7.2% on $150M of debt.
Cash vs short-term debt unavailable.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $9.17 today, the market must believe free cash flow compounds -23.9%/yr for a decade (off $157M normalized FCF).
The market's -23.9% is more conservative than its 9-yr track record.
2-stage DCF · 0.05B shares · net debt -$49M
mean 43.7% · volatility σ 249% · implied rate exceeded in 1/5 yrs
Central path = implied -23.9%/yr growth; shaded band = ±1σ (249%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
4/7 of the 9 checks — 2 couldn't be scored (see above), so the score is out of the 7 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Cash conversion lags reported earnings — watch accruals. Lower/negative accruals = higher quality (Sloan).
Comfortably covers interest; leverage falling year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on $71M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $335.4M 100.0% | $296.7M 100.0% | $264.4M 100.0% | $221.7M 100.0% | $228.7M 100.0% | $846.7M 100.0% | $825.1M 100.0% | $723.9M 100.0% | $654.4M 100.0% | $487.1M 100.0% |
| Selling, General & Admin | $40.5M 12.1% | $44.8M 15.1% | $37.6M 14.2% | $43.7M 19.7% | $31.4M 13.7% | $72.1M 8.5% | $66.0M 8.0% | $66.1M 9.1% | $81.8M 12.5% | $43.0M 8.8% |
| Total Operating Expenses | $195.2M 58.2% | $197.1M 66.4% | $170.5M 64.5% | $230.3M 103.9% | $239.2M 104.6% | $978.8M 115.6% | $44.3M 5.4% | $40.6M 5.6% | $27.7M 4.2% | $20.5M 4.2% |
| Operating Income | $140.3M 41.8% | $99.6M 33.6% | $93.9M 35.5% | -$8.7M -3.9% | -$10.5M -4.6% | -$132.2M -15.6% | -$32.7M -4.0% | -$4.4M -0.6% | $757K 0.1% | $6.9M 1.4% |
| Interest Expense | $10.8M 3.2% | $12.0M 4.0% | $10.9M 4.1% | $9.5M 4.3% | $9.3M 4.1% | $9.6M 1.1% | $9.8M 1.2% | $9.9M 1.4% | $3.2M 0.5% | $723K 0.1% |
| Other Income (Expense), net | $2.5M 0.7% | $2.1M 0.7% | $2.2M 0.8% | $10.3M 4.7% | $129K 0.1% | $74K 0.0% | $119K 0.0% | $116K 0.0% | $153K 0.0% | $100K 0.0% |
| Pretax Income | $142.7M 42.6% | $101.7M 34.3% | $96.1M 36.3% | $1.7M 0.8% | -$10.4M -4.6% | -$132.1M -15.6% | -$32.6M -4.0% | -$4.2M -0.6% | $910K 0.1% | $7.0M 1.4% |
| Income Tax Expense | $35.9M 10.7% | $25.3M 8.5% | $10.9M 4.1% | $26.2M 11.8% | -$6.7M -2.9% | -$36.6M -4.3% | -$3.1M -0.4% | -$4.6M -0.6% | -$9.2M -1.4% | $1.3M 0.3% |
| Net Income | $106.8M 31.8% | $75.7M 25.5% | $309.9M 117.2% | -$469.9M -212.0% | -$57.9M -25.3% | -$96.5M -11.4% | -$29.9M -3.6% | $290K 0.0% | $10.1M 1.6% | $5.7M 1.2% |
| Per Share | ||||||||||
| EPS (Basic) | $2.20 | $1.59 | $7.11 | $-10.91 | $-1.35 | $-2.25 | $-0.70 | $0.01 | $0.27 | $0.27 |
| EPS (Diluted) | $2.15 | $1.54 | $6.98 | $-10.91 | $-1.35 | $-2.25 | $-0.70 | $0.01 | $0.27 | $0.26 |
| Weighted Avg Shares (Basic) | 48.5M | 47.8M | 43.6M | 43.1M | 42.9M | 42.9M | 42.8M | 42.7M | 37.2M | 21.4M |
| Weighted Avg Shares (Diluted) | 49.8M | 49.4M | 44.4M | 43.1M | 42.9M | 42.9M | 42.8M | 42.8M | 37.4M | 21.6M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-09-17
Where each multiple sits in its own 14-yr range · 40th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
High operating leverage: profit moved 3.1× as fast as sales — great in an upturn, painful in a downturn.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| SG&A | 9.1 | 8.0 | 8.5 | 13.7 | 19.7 | 14.2 | 15.1 | 12.1 |
| Operating Income | -0.6 | -4.0 | -15.6 | -4.6 | -3.9 | 35.5 | 33.6 | 41.8 |
| Income Tax | -0.6 | -0.4 | -4.3 | -2.9 | 11.8 | 4.1 | 8.5 | 10.7 |
| Net Income | 0.0 | -3.6 | -11.4 | -25.3 | -212.0 | 117.2 | 25.5 | 31.8 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on ACIC: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $940.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $692.5B | — | — | 17.3× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $513.8B | 34.4× | — | 15.7× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $417.6B | 15.2× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $278.1B | 18.3× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $269.2B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $214.3B | 20.3× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $189.7B | 22.6× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $171.3B | 21.5× | — | 6.7× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $168.5B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $160.8B | 29.4× | — | 6.6× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| CB | $133.6B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| GLD | $132.1B | — | — | — | — | — | — | — | — | — | 3,072 |
| PGR | $127.2B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $121.5B | 27.8× | 17.4× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| CME | $98.0B | 24.4× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $95.6B | 12.9× | — | 3.3× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| HOOD | $92.8B | 50.9× | — | 20.7× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| BX | $92.4B | 31.9× | — | 6.4× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.7B | 13.9× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $88.9B | — | — | — | — | — | — | — | — | — | 7 |
| ICE | $87.4B | 26.7× | 20.7× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| KKR | $86.3B | — | — | 4.4× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| MRSH | $85.7B | 21.0× | 15.6× | 3.2× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| ACIC | $448M | 4.3× | 2.8× | 1.3× | 13.1% | — | 31.8% | 33.6% | 22.8% | 1.0× | 147 |
Peers = companies sharing ACIC's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.