On the stock market since 2007, it operates in the world of money and finance. It has 65 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 10% a year over the last 4 years. Red columns mark years that ended in a loss.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Growth: Sales growth trails the sector average.
The stock trades 21% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 32% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 15% a year on average.
It pays out $0.75 per share each year — regular cash for whoever holds the stock.
The stock trades 83% above the average analyst price target.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 9/100. For a turnaround signal, the stock first needs to close the gap with the market.
The growth engine is running at low revs right now. Report-card grade: 47/100.
On our five-subject report card, ACIC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: ACIC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.