Filing Flows › American Coastal Insurance (ACIC) › Q3 2026 › vs Q2 2026
American Coastal Insurance (ACIC) Q3 2026 vs Q2 2026 (quarter over quarter)
American Coastal Insurance's revenue fell $11.9M (-14%) from $82.6M in Q2 2026 to $70.7M in Q3 2026. Operating margin 36.8% against 34.4% (+2.4 pts).
American Coastal Insurance, Q3 2026: revenue $70.7M (-22% year over year), operating margin 36.8%, net earnings $19.4M, operating cash flow $64.6M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 36.8% | 34.4% | +2.4 pts |
| Net margin | 27.4% | 26.5% | +0.9 pts |
| Free cash flow margin | 91.0% | 70.5% | +20.5 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $70.7M | $82.6M | −$11.9M | -14% |
| Operating profit | $26.0M | $28.5M | −$2.4M | -8% |
| Costs & expenses | $44.7M | $54.1M | −$9.5M | -18% |
| Pre-tax earnings | $26.0M | $28.4M | −$2.4M | -9% |
| General & admin | $9.5M | $10.3M | −$748K | -7% |
| Other operating costs | $35.1M | $43.9M | −$8.7M | -20% |
| Net earnings | $19.4M | $21.9M | −$2.5M | -11% |
| Income tax | $6.6M | $6.5M | $59K | +0.9% |
| Depreciation & amortization | $769K | $750K | $19K | +3% |
| Share-based compensation | $1.2M | $1.7M | −$555K | -32% |
| Working capital & other | $43.2M | $34.1M | $9.1M | +27% |
| Operating cash flow | $64.6M | $58.5M | $6.1M | +10% |
| Free cash flow (OCF − capex) | $64.4M | $58.3M | $6.1M | +10% |
| Capital expenditures | $197K | $235K | −$38K | -16% |
Questions
How much did American Coastal Insurance's revenue grow quarter over quarter in Q3 2026?
American Coastal Insurance's revenue fell $11.9M (-14%) from $82.6M in Q2 2026 to $70.7M in Q3 2026. Operating margin 36.8% against 34.4% (+2.4 pts).