Filing Flows › American Coastal Insurance (ACIC) › Q4 2025
American Coastal Insurance (ACIC) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 9, 2026
American Coastal Insurance (ACIC) reported revenue of $86.4M for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and -4% from the quarter before. Operating margin was 43.2%, net earnings $26.6M (30.8% of revenue).
American Coastal Insurance, Q4 2025: revenue $86.4M (+9% year over year), operating margin 43.2%, net earnings $26.6M, operating cash flow −$47.8M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $86.4M | -4% | +9% |
| Operating profit | $37.3M | -11% | +319% |
| Net earnings | $26.6M | -18% | +437% |
| Operating cash flow | −$47.8M | — | — |
What changed
Revenue was $86.4M in Q4 2025, up 9% year over year and down 4% from the previous quarter.
Operating profit was $37.3M, a 43.2% margin (up 31.9 points year over year). Of the extra revenue versus a year earlier, 399% reached operating profit, above the 11% margin then. Total costs fell 30% while revenue rose 9%. Net earnings were $26.6M, up 437% year over year. The effective tax rate was 27.5%.
Operating cash flow was −$47.8M. Non-cash charges added back $1.5M of depreciation and amortization and $1.0M of share-based compensation. Working capital and other items used $76.9M. Capital expenditures of $59K exceeded it, leaving free cash flow of −$47.8M.
Questions
What was American Coastal Insurance's revenue in the fourth quarter 2025?
American Coastal Insurance (ACIC) reported revenue of $86.4M for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and -4% from the quarter before.
Was American Coastal Insurance profitable in the fourth quarter 2025?
Operating profit was $37.3M (43.2% of revenue) and net earnings $26.6M.