ACIC trades 83.3% above Wall Street's consensus target of $1.90.
Last 12 months price action with 12-month analyst target path
The base valuation assumes ACIC achieves its forward estimates and maintains a stable P/E multiple of 11.9x. This scenario reflects the blended consensus of 5 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of July 7, 2026, American Coastal Insurance Corporation (ACIC) has a Wall Street consensus price target of $1.90, based on estimates from 5 covering analysts. With the stock currently trading at $11.35, this represents a potential downside of -83.3%. The company has a market capitalization of $550M.
Analyst price targets range from a low of $1.90 to a high of $1.90, representing a 0% spread in expectations. The median target of $1.90 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 1 analysts rating the stock as a Buy or Strong Buy,3 rating it Hold, and 1 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, ACIC trades at a trailing P/E of 5.3x and forward P/E of 11.9x. Analysts expect EPS to grow -54.6% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $15.51, with bear and bull scenarios of $9.77 and $20.44 respectively. Model confidence stands at 48/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
HCIHCI Group, Inc. | $2.4B | $181.72 | $126.50 | -30.4% | Buy | 10.4x | 14 |
UPCUniverse Pharmaceuticals Inc. | $3M | $6.00 | — | — | — | — | — |
HRTGHeritage Insurance Holdings, Inc. | $832M | $27.43 | $36.00 | +31.2% | Buy | 6.4x | 9 |
ALLThe Allstate Corporation | $63.9B | $248.37 | $250.00 | +0.7% | Hold | 8.2x | 44 |
TRVThe Travelers Companies, Inc. | $72.1B | $339.17 | $310.40 | -8.5% | Hold | 12.0x | 43 |
CBChubb Limited | $138.3B | $356.53 | $346.75 | -2.7% | Buy | 13.2x | 43 |
HIGThe Hartford Financial Services Group, Inc. | $37.9B | $137.64 | $150.38 | +9.3% | Buy | 10.7x | 42 |
CINFCincinnati Financial Corporation | $29.5B | $189.59 | $182.50 | -3.7% | Buy | 21.8x | 17 |
WRBW. R. Berkley Corporation | $26.4B | $70.92 | $69.10 | -2.6% | Hold | 15.1x | 30 |
RNRRenaissanceRe Holdings Ltd. | $13.9B | $323.11 | $310.75 | -3.8% | Hold | 7.9x | 28 |
Quick answers to the most common questions about buying ACIC stock.
ACIC's consensus price target is $1.9, -83.3% below the current price of $11.35. The 5 analysts tracking ACIC see downside risk at present valuations.
ACIC has a consensus rating of "Hold" based on 5 Wall Street analysts. The rating breakdown is mixed, with 3 Hold ratings making up the largest segment. The consensus 12-month price target of $1.9 implies -83.3% downside from current levels.
With a forward P/E of 11.8848x, ACIC trades at a relatively low valuation. The consensus target of $1.9 implies -83.3% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $1.9 for ACIC, while the most conservative target is $1.9. The consensus of $1.9 represents the median expectation. Our quantitative valuation model projects a bull case target of $20 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
ACIC is moderately covered, with 5 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 1 have Buy ratings, 3 recommend Hold, and 1 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month ACIC stock forecast based on 5 Wall Street analysts shows a consensus price target of $1.9, with estimates ranging from $1.9 (bear case) to $1.9 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $16, with bear/bull scenarios of $10/$20.
Our quantitative valuation model calculates ACIC's fair value at $16 (base case), with a bear case of $10 and bull case of $20. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 48/100.
ACIC trades at a forward P/E ratio of 11.9x based on next-twelve-months earnings estimates compared to a trailing P/E of 5.3x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Analysts are cautious on ACIC, with 1 Sell ratings and a price target of $1.9 (-83.3% from current price). The "Hold" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
ACIC analyst price targets range from $1.9 to $1.9, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $1.9 consensus represents the middle ground. Our model's $10-$20 range provides an independent fundamental perspective.
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