Filing Flows › American Coastal Insurance (ACIC) › Q2 2026
American Coastal Insurance (ACIC) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 6, 2026
American Coastal Insurance (ACIC) reported revenue of $82.6M for the second quarter 2026 (Q2 2026), -4% from a year earlier and +16% from the quarter before. Operating margin was 34.4%, net earnings $21.9M (26.5% of revenue).
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 follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $82.6M | +16% | -4% |
| Operating profit | $28.5M | +11% | -21% |
| Net earnings | $21.9M | +14% | -17% |
| Operating cash flow | $58.5M | — | -54% |
| Free cash flow | $58.3M | — | -54% |
What changed
Revenue was $82.6M in Q2 2026, down 4% year over year and up 16% from the previous quarter.
Operating profit was $28.5M, a 34.4% margin (down 7.4 points year over year). Total costs grew 8% against a revenue fall of 4%. The fastest-growing cost line was General & admin (+32%). Net earnings were $21.9M, down 17% year over year. The effective tax rate was 22.9%.
Operating cash flow was $58.5M (down 54% year over year), 267% of net earnings. Non-cash charges added back $750K of depreciation and amortization and $1.7M of share-based compensation. Working capital and other items added $34.1M. Capital expenditures of $235K left free cash flow of $58.3M.
Questions
What was American Coastal Insurance's revenue in the second quarter 2026?
American Coastal Insurance (ACIC) reported revenue of $82.6M for the second quarter 2026 (Q2 2026), -4% from a year earlier and +16% from the quarter before.
Was American Coastal Insurance profitable in the second quarter 2026?
Operating profit was $28.5M (34.4% of revenue) and net earnings $21.9M.