ACIC
American Coastal Insurance Corp
NASDAQ: ACIC · FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY
$10.17
+1.88% today
Updated 2026-06-05
Market cap
$507.90M
P/E ratio
4.90
P/S ratio
1.52x
EPS (TTM)
$2.14
Dividend yield
—
52W range
$9 – $12
Volume
0.2M
WallStSmart proprietary scores
62
out of 100
Grade: C+
Hold
Investment rating
4.0
Growth
C5.8
Quality
C+9.5
Profitability
A+6.3
Valuation
B4/9
Piotroski F-Score
Moderate
1.0
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$14.00
+37.66%
12-Month target
$11.42
+12.29%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy0 Buy1 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 31.30% — above average
+ ROE 31.58% — strong efficiency
+ Debt/equity 0.46x — low leverage
Risks
- Altman Z 1.03 — distress zone
- Negative free cash flow $-5.87M
- Revenue declining -1.40% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $220.78M | $263.68M | $296.66M | $335.44M | $334.46M |
| Net income | $-469.86M | $309.91M | $75.72M | $106.84M | $19.25M |
| EPS | — | — | — | — | $2.14 |
| Free cash flow | $-176.16M | $-136.20M | $243.49M | $70.87M | $-5.87M |
| Profit margin | -212.81% | 117.53% | 25.52% | 31.85% | 31.30% |
Peer comparison
Smart narrative
American Coastal Insurance Corp trades at $10.17. representing a P/E of 4.90x trailing earnings. Our Smart Value Score of 62/100 indicates the stock is good. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 1.03, it sits in the distress. TTM revenue stands at $334.46M. with profit margins at 31.30%.
Frequently asked questions
What is American Coastal Insurance Corp's stock price?
American Coastal Insurance Corp (ACIC) trades at $10.17, on a P/E of 4.9x and a P/S of 1.5x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is American Coastal Insurance Corp overvalued?
American Coastal Insurance Corp carries a Smart Value Score of 62/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of American Coastal Insurance Corp (ACIC)?
The 12-month analyst consensus target is $14.00, about 37.7% above the current $10.17. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is the future stock price of ACIC by 2030?
Our research-backed model puts the 2030 base case at $5.57, built from revenue projections, a growth-adjusted P/S multiple, net debt, and share dilution. It is a scenario rather than a prediction, and the bull and bear cases around it matter more than the single number when you are sizing a position.
What is American Coastal Insurance Corp's revenue?
American Coastal Insurance Corp's trailing twelve-month revenue is $334.46M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
American Coastal Insurance Corp's Altman Z-Score is 1.03, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryINSURANCE - PROPERTY & CASUALTY
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio1.52x
ROE31.58%
Beta-0.47
50D MA$11.26
200D MA$11.48
Shares out0.05B
Float0.02B
Short ratio—
Avg volume0.2M
Performance
1 week+0.00%
1 month-4.24%
3 months-9.11%
YTD-18.61%
1 year—
3 years—
5 years—