ACIC trades 29.5% below Wall Street's consensus target of $13.00.
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 8.0x. 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 November 8, 2026, American Coastal Insurance Corporation (ACIC) has a Wall Street consensus price target of $13.00, based on estimates from 5 covering analysts. With the stock currently trading at $10.04, this represents a potential upside of +29.5%. The company has a market capitalization of $487M.
Analyst price targets range from a low of $13.00 to a high of $13.00, representing a 0% spread in expectations. The median target of $13.00 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 5.6x and forward P/E of 8.0x. Analysts expect EPS to grow -38.0% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $15.20, with bear and bull scenarios of $9.57 and $20.03 respectively. Model confidence stands at 45/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 HCIHCI Group, Inc. | $2.4B | $186.03 | $230.00 | +23.6% | Buy | 8.9x | 14 |
 UPCUniverse Pharmaceuticals Inc. | $783040 | $1.39 | — | — | — | — | — |
 HRTGHeritage Insurance Holdings, Inc. | $1.0B | $33.22 | $36.50 | +9.9% | Buy | 5.5x | 9 |
 ALLThe Allstate Corporation | $65.6B | $254.81 | $266.31 | +4.5% | Hold | 7.1x | 45 |
 TRVThe Travelers Companies, Inc. | $82.4B | $395.20 | $356.18 | -9.9% | Hold | 10.8x | 44 |
 CBChubb Limited | $141.6B | $365.02 | $355.91 | -2.5% | Buy | 12.5x | 44 |
 HIGThe Hartford Insurance Group, Inc. | $36.7B | $133.99 | $145.40 | +8.5% | Buy | 10.3x | 42 |
 CINFCincinnati Financial Corporation | $28.5B | $185.48 | $198.00 | +6.8% | Hold | 20.2x | 17 |
 WRBW. R. Berkley Corporation | $28.0B | $75.23 | $70.56 | -6.2% | Hold | 15.2x | 30 |
 RNRRenaissanceRe Holdings Ltd. | $14.4B | $347.35 | $338.13 | -2.7% | Hold | 7.0x | 28 |
Quick answers to the most common questions about buying ACIC stock.
The consensus Wall Street price target for ACIC is $13, representing 29.5% upside from the current price of $10.04. With 5 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
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 $13 implies 29.5% upside from current levels.
With a forward P/E of 7.9683x, ACIC trades at a relatively low valuation. The consensus target of $13 implies 29.5% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $13 for ACIC, while the most conservative target is $13. The consensus of $13 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 $13, with estimates ranging from $13 (bear case) to $13 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $15, with bear/bull scenarios of $10/$20.
Our quantitative valuation model calculates ACIC's fair value at $15 (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 45/100.
ACIC trades at a forward P/E ratio of 8.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 5.6x. 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.
Wall Street analysts are very optimistic on ACIC, with a "Hold" consensus rating and $13 price target (29.5% upside). 1 of 5 analysts rate it Buy or Strong Buy. 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 $13 to $13, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $13 consensus represents the middle ground. Our model's $10-$20 range provides an independent fundamental perspective.
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