Is ACIC or AIZ more undervalued in 2026?

CirclFi compares American Coastal Insurance Corp (ACIC) and Assurant, Inc. (AIZ) using 13 institutional-grade valuation models. ACIC has a Quality of Company score of 8.9/10 while AIZ scores 9.5/10.

Which is a better buy — ACIC or AIZ?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ACIC and AIZ valuations compare?

ACIC at $10.52 and AIZ at $247.40 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ACIC vs AIZ Valuation Comparison 2026 — Intrinsic Value Analysis

ACIC

Insurance - Property & Casualty

American Coastal Insurance Corp

Quality

8.9

out of 10

Value Trap

LOW

Price

$10.52

Last close

Models

10/13

Active

AIZ

Insurance - Property & Casualty

Assurant, Inc.

Quality

9.5

out of 10

Value Trap

—

Price

$247.40

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	ACIC Fair Value	ACIC Upside	AIZ Fair Value	AIZ Upside
Bayesian DCF	Intrinsic	$55.92	+431.6%	$151.41	-38.8%
Earnings Power Value	Intrinsic	$15.90	+51.1%	$266.56	+7.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for ACIC vs AIZ — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

ACIC vs AIZ — Which Stock Is More Undervalued?

AIZ scores higher with a 9.5/10 quality rating vs ACIC's 8.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing American Coastal Insurance Corp (ACIC) and Assurant, Inc. (AIZ) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ACIC currently trades at $10.52 with a QOC of 8.9/10, while AIZ trades at $247.40 with a QOC of 9.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).