Filing Flows › American Coastal Insurance (ACIC) › Q2 2025
American Coastal Insurance (ACIC) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 7, 2025
American Coastal Insurance (ACIC) reported revenue of $86.5M for the second quarter 2025 (Q2 2025), +26% from a year earlier and +20% from the quarter before. Operating margin was 41.8%, net earnings $26.4M (30.6% of revenue).
American Coastal Insurance, Q2 2025: revenue $86.5M (+26% year over year), operating margin 41.8%, net earnings $26.4M, operating cash flow $128M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $86.5M | +20% | +26% |
| Operating profit | $36.2M | +44% | +50% |
| Net earnings | $26.4M | +24% | +39% |
| Operating cash flow | $128M | +384% | +1% |
What changed
Revenue was $86.5M in Q2 2025, up 26% year over year and up 20% from the previous quarter.
Operating profit was $36.2M, a 41.8% margin (up 6.8 points year over year). Of the extra revenue versus a year earlier, 68% reached operating profit, above the 35% margin then. Total costs grew 13% against revenue growth of 26%. The fastest-growing cost line was Other operating costs (+30%). Net earnings were $26.4M, up 39% year over year. The effective tax rate was 26.5%.
Operating cash flow was $127.9M (up 1% year over year), 484% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $1.5M of share-based compensation. Working capital and other items added $98.3M.
Questions
What was American Coastal Insurance's revenue in the second quarter 2025?
American Coastal Insurance (ACIC) reported revenue of $86.5M for the second quarter 2025 (Q2 2025), +26% from a year earlier and +20% from the quarter before.
Was American Coastal Insurance profitable in the second quarter 2025?
Operating profit was $36.2M (41.8% of revenue) and net earnings $26.4M.