Filing Flows › American Coastal Insurance (ACIC) › Q3 2026 › vs Q3 2025
American Coastal Insurance (ACIC) Q3 2026 vs Q3 2025 (year over year)
American Coastal Insurance's revenue fell $19.7M (-22%) from $90.4M in Q3 2025 to $70.7M in Q3 2026. Operating margin 36.8% against 46.1% (-9.3 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 36.8% | 46.1% | -9.3 pts |
| Net margin | 27.4% | 35.9% | -8.5 pts |
| Free cash flow margin | 91.0% | -39.4% | +130.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $70.7M | $90.4M | −$19.7M | -22% |
| Operating profit | $26.0M | $41.7M | −$15.7M | -38% |
| Costs & expenses | $44.7M | $48.7M | −$4.0M | -8% |
| Pre-tax earnings | $26.0M | $42.4M | −$16.4M | -39% |
| General & admin | $9.5M | $11.3M | −$1.8M | -16% |
| Other operating costs | $35.1M | $37.4M | −$2.2M | -6% |
| Net earnings | $19.4M | $32.5M | −$13.1M | -40% |
| Income tax | $6.6M | $9.9M | −$3.3M | -34% |
| Depreciation & amortization | $769K | $1.6M | −$860K | -53% |
| Share-based compensation | $1.2M | $1.0M | $111K | +11% |
| Working capital & other | $43.2M | −$70.8M | $114M | — |
| Operating cash flow | $64.6M | −$35.6M | $100M | — |
| Free cash flow (OCF − capex) | $64.4M | −$35.6M | $100M | — |
| Capital expenditures | $197K | $0 | $197K | — |
Questions
How much did American Coastal Insurance's revenue grow year over year in Q3 2026?
American Coastal Insurance's revenue fell $19.7M (-22%) from $90.4M in Q3 2025 to $70.7M in Q3 2026. Operating margin 36.8% against 46.1% (-9.3 pts).