ACIC trades 81.9% 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 11.0x. 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 June 22, 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 $10.50, this represents a potential downside of -81.9%. The company has a market capitalization of $508M.
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 4.9x and forward P/E of 11.0x. Analysts expect EPS to grow -55.4% 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. | $2.1B | $163.63 | $126.50 | -22.7% | Buy | 9.4x | 14 |
UPCUniverse Pharmaceuticals Inc. | $2M | $2.95 | — | — | — | — | — |
HRTGHeritage Insurance Holdings, Inc. | $706M | $23.27 | $36.00 | +54.7% | Buy | 5.4x | 9 |
ALLThe Allstate Corporation | $56.9B | $221.17 | $250.00 | +13.0% | Hold | 7.4x | 44 |
TRVThe Travelers Companies, Inc. | $66.6B | $307.81 | $310.40 | +0.8% | Hold | 11.0x | 43 |
CBChubb Limited | $126.2B | $323.40 | $346.75 | +7.2% | Buy | 11.9x | 43 |
HIGThe Hartford Financial Services Group, Inc. | $35.3B | $128.25 | $151.56 | +18.2% | Buy | 10.0x | 42 |
CINFCincinnati Financial Corporation | $26.5B | $170.20 | $182.50 | +7.2% | Buy | 19.6x | 17 |
WRBW. R. Berkley Corporation | $25.2B | $67.18 | $69.10 | +2.9% | Hold | 14.3x | 30 |
RNRRenaissanceRe Holdings Ltd. | $12.9B | $299.17 | $310.75 | +3.9% | Hold | 7.3x | 28 |
Quick answers to the most common questions about buying ACIC stock.
ACIC's consensus price target is $1.9, -81.9% below the current price of $10.5. 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 -81.9% downside from current levels.
With a forward P/E of 10.9948x, ACIC trades at a relatively low valuation. The consensus target of $1.9 implies -81.9% 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 11.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 4.9x. 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 (-81.9% 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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