Using the industry peer median P/E Multiples multiple (trailing + forward), American Coastal Insurance Corporation (ACIC) has a fair value of $23.45 based on 8 comparable companies in the Insurance - Property & Casualty industry.
USD in millions except Fair Price. Subject company highlighted.
| Mkt Cap ($M) | Trailing P/E | Forward P/E | |
|---|---|---|---|
| American Coastal Insurance CorporationACIC | 524 | 4.9x | 5.7x |
| General American Investors Company, Inc. | 1,511 | 3.2x | — |
| United Fire Group, Inc. | 1,199 | 10.4x | 23.4x |
| Heritage Insurance Holdings, Inc. | 688 | 3.5x | 11.3x |
| South Plains Financial, Inc. | 672 | 11.9x | 14.8x |
| Gladstone Investment Corporation | 663 | 9.4x | 15.3x |
| Donegal Group Inc. | 631 | 7.9x | 43.6x |
| Bridgewater Bancshares, Inc. | 516 | 12.3x | 18.7x |
| American Integrity Insurance Group, Inc. | 386 | 3.5x | 0.0x |
| Industry Median | 8.6x | 15.3x | |
| (*) Profit after tax | 107 | 92 | |
| Equity Value | 922 | 1,413 | |
| (/) Outstanding shares | 50 | 50 | |
| Fair Price | $19 | $28 | |
Using the industry peer median EV/EBITDA multiple (trailing + forward), American Coastal Insurance Corporation (ACIC) has a fair value of $57.84 based on 9 comparable companies in the Insurance - Property & Casualty industry.
USD in millions except Fair Price. Subject company highlighted.
| Mkt Cap ($M) | Trailing EV/EBITDA | Forward EV/EBITDA | |
|---|---|---|---|
| American Coastal Insurance CorporationACIC | 524 | 2.7x | 1.3x |
| General American Investors Company, Inc. | 1,511 | 4.5x | — |
| United Fire Group, Inc. | 1,199 | 7.5x | 8.8x |
| PRA Group, Inc. | 803 | 38.5x | 48.8x |
| Heritage Insurance Holdings, Inc. | 688 | 0.8x | 0.9x |
| South Plains Financial, Inc. | 672 | 9.1x | 14.6x |
| Gladstone Investment Corporation | 663 | 16.9x | 18.5x |
| Donegal Group Inc. | 631 | 6.3x | 6.8x |
| Bridgewater Bancshares, Inc. | 516 | 13.9x | 37.4x |
| American Integrity Insurance Group, Inc. | 386 | 1.6x | 1.9x |
| Industry Median | 7.5x | 11.7x | |
| (*) EBITDA | 174 | 373 | |
| = Enterprise Value | 1,300 | 4,366 | |
| (-) Net Debt | -46 | -46 | |
| Equity Value | 1,346 | 4,412 | |
| (/) Outstanding shares | 50 | 50 | |
| Fair Price | $27 | $89 | |
Using the industry peer median EV/Revenue multiple (trailing + forward), American Coastal Insurance Corporation (ACIC) has a fair value of $10.33 based on 9 comparable companies in the Insurance - Property & Casualty industry.
USD in millions except Fair Price. Subject company highlighted.
| Mkt Cap ($M) | Trailing EV/Revenue | Forward EV/Revenue | |
|---|---|---|---|
| American Coastal Insurance CorporationACIC | 524 | 1.4x | 0.7x |
| General American Investors Company, Inc. | 1,511 | 9.2x | — |
| United Fire Group, Inc. | 1,199 | 0.9x | 1.0x |
| PRA Group, Inc. | 803 | 0.6x | 0.7x |
| Heritage Insurance Holdings, Inc. | 688 | 0.3x | 0.3x |
| South Plains Financial, Inc. | 672 | 2.3x | 3.6x |
| Gladstone Investment Corporation | 663 | 12.3x | 13.5x |
| Donegal Group Inc. | 631 | 0.7x | 0.7x |
| Bridgewater Bancshares, Inc. | 516 | 3.1x | 8.3x |
| American Integrity Insurance Group, Inc. | 386 | 0.7x | 0.8x |
| Industry Median | 0.9x | 0.9x | |
| (*) Revenue | 335 | 718 | |
| = Enterprise Value | 288 | 648 | |
| (-) Net Debt | -46 | -46 | |
| Equity Value | 334 | 695 | |
| (/) Outstanding shares | 50 | 50 | |
| Fair Price | $7 | $14 | |
Using the PEG framework with historical EPS growth of 8.0%, the company has a fair value of $17.20 based on TTM EPS (FY2025) of $2.15.
| EPS Growth RateHistorical | -18.8% |
| Adjusted Growth (clamped 8–25%)Clamped | 8.0% |
| Fair P/E | 8.0x |
| TTM EPS (FY2025) | $2.15 |
| Fair Value | $17.20 |
No analyst estimates available.
| Year | Net Income | EPS | YoY |
|---|---|---|---|
| FY2021 | $-57.9M | $-1.35 | — |
| FY2022 | $-469.9M | $-10.87 | — |
| FY2023 | $309.9M | $6.98 | — |
| FY2024 | $75.7M | $1.53 | -78.1% |
| FY2025 | $106.8M | $2.15 | +40.5% |
4Y Historical EPS CAGR: -18.8%
Using the Earnings Power Value framework with a WACC of 7.2% and normalized earnings of $29.3M, the company has a fair value of $9.11 per share. The EPV range is $7.70 – $11.27 based on WACC sensitivity (5.7% – 8.7%).
| Low | Selected | High | |
|---|---|---|---|
| Normalized Earnings | 29 | 29 | 29 |
| (/) WACC | 8.7% | 7.2% | 5.7% |
| Enterprise Value | 337 | 407 | 515 |
| (-) Net debt | -46 | -46 | -46 |
| Equity Value | 383 | 454 | 561 |
| (/) Outstanding shares | 50 | 50 | 50 |
| Fair Price | $7.70 | $9.11 | $11.27 |
Using the Two-Stage Dividend Discount Model with a Cost of Equity of 7.8% and projected dividend growth of 15.0%, the fair value is $19.39 per share. The DDM range is $12.00 – $37.11 based on sensitivity analysis across Cost of Equity and growth rate assumptions.
| Year | DPS | Payout Ratio | YoY Growth |
|---|---|---|---|
| 2025 | — | 0.0% | -100.0% |
| 2024 | $0.49 | 31.8% | — |
| 2023 | — | 0.0% | -100.0% |
| 2022 | $0.06 | — | -75.0% |
| 2021 | $0.24 | — | — |
| Year | Projected DPS | Growth | Discount Factor | Present Value |
|---|---|---|---|---|
| 2026 | $0.56 | 15.0% | 0.9280 | $0.52 |
| 2027 | $0.65 | 15.0% | 0.8611 | $0.56 |
| 2028 | $0.74 | 15.0% | 0.7991 | $0.59 |
| 2029 | $0.85 | 15.0% | 0.7415 | $0.63 |
| 2030 | $0.98 | 15.0% | 0.6881 | $0.68 |
| Terminal Value | $1.02 DPS | 3.5% | $16.41 |
Fair value under different Cost of Equity (rows) and DPS Growth Rate (columns) assumptions.
| Ke \ Growth | 13.0% | 14.0% | 15.0% | 15.0% | 15.0% |
|---|---|---|---|---|---|
| 5.8% | $34 | $36 | $37 | $37 | $37 |
| 6.8% | $23 | $24 | $26 | $26 | $26 |
| 7.8% | $18 | $19 | $19 | $19 | $19 |
| 8.8% | $14 | $15 | $16 | $16 | $16 |
| 9.8% | $12 | $12 | $13 | $13 | $13 |
Disclaimer: Sweet Value Lab provides estimated intrinsic values for informational purposes only. This is not financial advice. All models rely on assumptions that may not reflect future performance. Always do your own research before making investment decisions.