Filing Flows › American Coastal Insurance (ACIC) › Q3 2025
American Coastal Insurance (ACIC) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
American Coastal Insurance (ACIC) reported revenue of $90.4M for the third quarter 2025 (Q3 2025), +10% from a year earlier and +5% from the quarter before. Operating margin was 46.1%, net earnings $32.5M (35.9% of revenue).
American Coastal Insurance, Q3 2025: revenue $90.4M (+10% year over year), operating margin 46.1%, net earnings $32.5M, operating cash flow −$35.6M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $90.4M | +5% | +10% |
| Operating profit | $41.7M | +15% | +16% |
| Net earnings | $32.5M | +23% | +16% |
| Operating cash flow | −$35.6M | -128% | — |
What changed
Revenue was $90.4M in Q3 2025, up 10% year over year and up 5% from the previous quarter.
Operating profit was $41.7M, a 46.1% margin (up 2.2 points year over year). Of the extra revenue versus a year earlier, 68% reached operating profit, above the 44% margin then. Total costs grew 6% against revenue growth of 10%. The fastest-growing cost line was General & admin (+10%). Net earnings were $32.5M, up 16% year over year. The effective tax rate was 23.3%.
Operating cash flow was −$35.6M. Non-cash charges added back $1.6M of depreciation and amortization and $1.0M of share-based compensation. Working capital and other items used $70.8M.
Questions
What was American Coastal Insurance's revenue in the third quarter 2025?
American Coastal Insurance (ACIC) reported revenue of $90.4M for the third quarter 2025 (Q3 2025), +10% from a year earlier and +5% from the quarter before.
Was American Coastal Insurance profitable in the third quarter 2025?
Operating profit was $41.7M (46.1% of revenue) and net earnings $32.5M.