Filing Flows › American Coastal Insurance (ACIC) › Q2 2026 › vs Q2 2025
American Coastal Insurance (ACIC) Q2 2026 vs Q2 2025 (year over year)
American Coastal Insurance's revenue fell $3.9M (-4%) from $86.5M in Q2 2025 to $82.6M in Q2 2026. Operating margin 34.4% against 41.8% (-7.4 pts).
American Coastal Insurance, Q2 2026: revenue $82.6M (-4% year over year), operating margin 34.4%, net earnings $21.9M, operating cash flow $58.5M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 34.4% | 41.8% | -7.4 pts |
| Net margin | 26.5% | 30.6% | -4.1 pts |
| Free cash flow margin | 70.5% | 148.0% | -77.4 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $82.6M | $86.5M | −$3.9M | -4% |
| Operating profit | $28.5M | $36.2M | −$7.7M | -21% |
| Costs & expenses | $54.1M | $50.3M | $3.9M | +8% |
| Pre-tax earnings | $28.4M | $36.0M | −$7.6M | -21% |
| General & admin | $10.3M | $7.8M | $2.5M | +32% |
| Other operating costs | $43.9M | $42.5M | $1.4M | +3% |
| Net earnings | $21.9M | $26.4M | −$4.5M | -17% |
| Income tax | $6.5M | $9.5M | −$3.0M | -32% |
| Depreciation & amortization | $750K | $1.7M | −$941K | -56% |
| Share-based compensation | $1.7M | $1.5M | $242K | +16% |
| Working capital & other | $34.1M | $98.3M | −$64.2M | -65% |
| Operating cash flow | $58.5M | $128M | −$69.5M | -54% |
| Free cash flow (OCF − capex) | $58.3M | $128M | −$69.7M | -54% |
| Capital expenditures | $235K | $0 | $235K | — |
Questions
How much did American Coastal Insurance's revenue grow year over year in Q2 2026?
American Coastal Insurance's revenue fell $3.9M (-4%) from $86.5M in Q2 2025 to $82.6M in Q2 2026. Operating margin 34.4% against 41.8% (-7.4 pts).