Filing Flows › American Coastal Insurance (ACIC) › Q3 2026
American Coastal Insurance (ACIC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
American Coastal Insurance (ACIC) reported revenue of $70.7M for the third quarter 2026 (Q3 2026), -22% from a year earlier and -14% from the quarter before. Operating margin was 36.8%, net earnings $19.4M (27.4% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $70.7M | -14% | -22% |
| Operating profit | $26.0M | -8% | -38% |
| Net earnings | $19.4M | -11% | -40% |
| Operating cash flow | $64.6M | +10% | — |
| Free cash flow | $64.4M | +10% | — |
What changed
Revenue was $70.7M in Q3 2026, down 22% year over year and down 14% from the previous quarter.
Operating profit was $26.0M, a 36.8% margin (down 9.3 points year over year). Total costs fell 8% while revenue fell 22%. Net earnings were $19.4M, down 40% year over year. The effective tax rate was 25.3%.
Operating cash flow was $64.6M, 333% of net earnings. Non-cash charges added back $769K of depreciation and amortization and $1.2M of share-based compensation. Working capital and other items added $43.2M. Capital expenditures of $197K left free cash flow of $64.4M.
Questions
What was American Coastal Insurance's revenue in the third quarter 2026?
American Coastal Insurance (ACIC) reported revenue of $70.7M for the third quarter 2026 (Q3 2026), -22% from a year earlier and -14% from the quarter before.
Was American Coastal Insurance profitable in the third quarter 2026?
Operating profit was $26.0M (36.8% of revenue) and net earnings $19.4M.