Filing Flows › American Coastal Insurance (ACIC) › Q1 2026
American Coastal Insurance (ACIC) Q1 2026 earnings results (first quarter 2026)
10-Q filed May 8, 2026
American Coastal Insurance (ACIC) reported revenue of $71.2M for the first quarter 2026 (Q1 2026), -1% from a year earlier and -18% from the quarter before. Operating margin was 35.9%, net earnings $19.3M (27.0% of revenue).
American Coastal Insurance, Q1 2026: revenue $71.2M (-1% year over year), operating margin 35.9%, net earnings $19.3M, operating cash flow −$5.7M. The chart follows the revenue to costs, profit and cash.
| Q1 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $71.2M | -18% | -1% |
| Operating profit | $25.5M | -31% | +2% |
| Net earnings | $19.3M | -28% | -10% |
| Operating cash flow | −$5.7M | — | -122% |
What changed
Revenue was $71.2M in Q1 2026, down 1% year over year and down 18% from the previous quarter.
Operating profit was $25.5M, a 35.9% margin (up 1.1 points year over year). Total costs fell 3% while revenue fell 1%. The fastest-growing cost line was General & admin (+13%). Net earnings were $19.3M, down 10% year over year. The effective tax rate was 25.2%.
Operating cash flow was −$5.7M. Non-cash charges added back $861K of depreciation and amortization and $1.1M of share-based compensation. Working capital and other items used $27.0M. Capital expenditures of $136K exceeded it, leaving free cash flow of −$5.9M.
Questions
What was American Coastal Insurance's revenue in the first quarter 2026?
American Coastal Insurance (ACIC) reported revenue of $71.2M for the first quarter 2026 (Q1 2026), -1% from a year earlier and -18% from the quarter before.
Was American Coastal Insurance profitable in the first quarter 2026?
Operating profit was $25.5M (35.9% of revenue) and net earnings $19.3M.