American Coastal Insurance Corp (ACIC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
American Coastal Insurance Corp stock (ACIC) is currently trading at $11.30. American Coastal Insurance Corp PE ratio is 5.14. American Coastal Insurance Corp PS ratio (Price-to-Sales) is 1.61. Analyst consensus price target for ACIC is $14.00. WallStSmart rates ACIC as Underperform.
- ACIC PE ratio analysis and historical PE chart
- ACIC PS ratio (Price-to-Sales) history and trend
- ACIC intrinsic value — DCF, Graham Number, EPV models
- ACIC stock price prediction 2025 2026 2027 2028 2029 2030
- ACIC fair value vs current price
- ACIC insider transactions and insider buying
- Is ACIC undervalued or overvalued?
- American Coastal Insurance Corp financial analysis — revenue, earnings, cash flow
- ACIC Piotroski F-Score and Altman Z-Score
- ACIC analyst price target and Smart Rating
American Coastal Insurance Corp
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ACIC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · American Coastal Insurance Corp (ACIC)
ACIC appears undervalued based on the Graham Formula, trading 24% below its estimated fair value of $14.62.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
American Coastal Insurance Corp (ACIC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, price/sales, price/book. Concerns around operating margin and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
American Coastal Insurance Corp (ACIC) Key Strengths (4)
Every $100 of shareholder equity generates $39 in profit
Keeps $32 of every $100 in revenue as net profit
Paying $1.61 for every $1 of annual revenue
Trading at 1.70x book value, attractively priced
Supporting Valuation Data
American Coastal Insurance Corp (ACIC) Areas to Watch (5)
Losing money on operations
Revenue declining -23.50%, a shrinking business
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Moderate institutional interest at 33.92%
American Coastal Insurance Corp (ACIC) Detailed Analysis Report
Overall Assessment
This company scores 52/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Profit Margin, Price/Sales. Valuation metrics including Price/Sales (1.61), Price/Book (1.70) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 38.60%, Profit Margin at 31.90%.
The Bear Case
The primary concerns are Operating Margin, Revenue Growth, PEG Ratio. Some valuation metrics including PEG Ratio (2.37) suggest expensive pricing. Growth concerns include Revenue Growth at -23.50%, which may limit upside. Profitability pressure is visible in Operating Margin at -10.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 38.60% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at -23.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Return on Equity, Profit Margin) and negatives (Operating Margin, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ACIC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ACIC's Price-to-Sales ratio of 1.61x trades at a deep discount to its historical average of 62.57x (36th percentile). The current valuation is 100% below its historical high of 1438.08x set in Sep 2008, and 2580% above its historical low of 0.06x in Nov 2022. Over the past 12 months, the PS ratio has compressed from ~1.9x as trailing revenue scaled faster than the stock price.
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Data-driven financial summary for American Coastal Insurance Corp (ACIC) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
American Coastal Insurance Corp faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 335M with 24% decline year-over-year. Profit margins are strong at 31.9%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 3860.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Revenue contracted 24% YoY. Worth determining whether this is cyclical or structural.
Free cash flow is -48M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Dividend sustainability with a current yield of 6.8%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact American Coastal Insurance Corp.
Bottom Line
American Coastal Insurance Corp faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:23:20 AM
About American Coastal Insurance Corp(ACIC)
NASDAQ
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Atlas Crest Investment Corp. The company is headquartered in New York, New York.