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American Coastal Insurance (ACIC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · American Coastal Insurance (ACIC) Q3 2026 earnings results →
Q3 2026 Revenue down 22% year over year to $70.7M · 27¢ of every $1 of revenue kept as net profit · operating margin 36.8%
American Coastal Insurance made $70.7M in Q3 2026 (-22% Y/Y). Operating margin 36.8%, net earnings $19.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
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What changed this quarter
Revenue was $70.7M in Q3 2026, down 22% year over year and down 14% from the previous quarter.
Operating profit was $26.0M, a 36.8% margin (down 9.3 points year over year). Total costs fell 8% while revenue fell 22%. Net earnings were $19.4M, down 40% year over year. The effective tax rate was 25.3%.
Operating cash flow was $64.6M, 333% of net earnings. Non-cash charges added back $769K of depreciation and amortization and $1.2M of share-based compensation. Working capital and other items added $43.2M. Capital expenditures of $197K left free cash flow of $64.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $70.7M | -22% | 36.8% | $19.4M | $64.6M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $82.6M | -4% | 34.4% | $21.9M | $58.5M |
| Q1 2026 | 10-Q | May 8, 2026 | $71.2M | -1% | 35.9% | $19.3M | −$5.7M |
| Q4 2025 | 10-K | Mar 9, 2026 | $86.4M | +9% | 43.2% | $26.6M | −$47.8M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $90.4M | +10% | 46.1% | $32.5M | −$35.6M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $86.5M | +26% | 41.8% | $26.4M | $128M |
| Q1 2025 | 10-Q | May 8, 2025 | $72.2M | +8% | 34.8% | $21.3M | $26.4M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Customers and suppliers named in filings
Sells to
- Am Risc LLC — 97% of its revenue · Stated in 10-K (XBRL) · source
About American Coastal Insurance
American Coastal Insurance Corporation (referred to in this Form 10-K as we, our, us, the Company or ACIC) is a holding company primarily engaged in the commercial property and casualty insurance business with investments in the United States. On July 10, 2023, we changed our corporate name from United Insurance Holdings Corp. to American Coastal Insurance Corporation. We conduct our business principally through our wholly owned insurance subsidiary, American Coastal Insurance Company (AmCoastal). The Company also previously wrote insurance outside of Florida through Interboro Insurance Company (IIC); however, on April 1, 2025, the Company completed the sale of IIC. The details of this transaction are described below.
In its own words, from its 10-K, filed Mar 9, 2026.
American Coastal Insurance against its Fire, Marine & Casualty Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -22% against the peers' median +2%. Operating margin: 36.8% against the peers' median 15.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ACIC American Coastal Insurance | Q3 2026 | $70.7M | -22% | 36.8% |
| BRK-B Berkshire Hathaway | Q2 2026 | $101.8B | +10% | 15.5% |
| PGR Progressive | Q3 2026 | $23.2B | +3% | 14.0% |
| ALL Allstate | Q3 2026 | $17.3B | +0.5% | 15.1% |
| CB Chubb | Q3 2026 | $16.2B | +0.3% | 21.0% |
| TRV Travelers Companies | Q3 2026 | $12.4B | -0.5% | 19.1% |
| AIG American International Group | Q3 2026 | $7.4B | +17% | 15.0% |
| HIG Hartford Insurance Group | Q3 2026 | $7.2B | +4% | 21.9% |
| L Loews | Q3 2026 | $4.8B | +2% | 8.5% |
Source: American Coastal Insurance 10-Q on SEC EDGAR · CIK 1401521 · Fire, Marine & Casualty Insurance
13F: who owns ACIC and who is buying
More on ACIC
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results