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American Coastal Insurance vs NI Holdings: ACIC and NODK compared
American Coastal Insurance is the larger company: $70.7M of revenue in its latest quarter (Q3 2026) against $68.6M for NI Holdings (Q3 2026). NI Holdings is growing faster (-10% against -22% a year earlier). American Coastal Insurance is more profitable, with an operating margin of 36.8% against 10.2%.
Where the money goes: ACIC and NODK
American Coastal Insurance (ACIC) · Q3 2026
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.
NI Holdings (NODK) · Q3 2026
NI Holdings, Q3 2026: revenue $68.6M (-10% year over year), operating margin 10.2%, net earnings $5.5M, operating cash flow −$15.1M. The chart follows the revenue to costs, profit and cash.
| American Coastal Insurance (ACIC) | NI Holdings (NODK) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $70.7M | $68.6M |
| Revenue growth, Y/Y | -22% | -10% |
| Gross margin | — | 34.4% |
| Operating margin | 36.8% | 10.2% |
| Net earnings | $19.4M | $5.5M |
| Net margin | 27.4% | 8.1% |
| Operating cash flow | $64.6M | −$15.1M |
| Free cash flow | $64.4M | — |
Questions
Which is bigger, American Coastal Insurance or NI Holdings?
American Coastal Insurance is the larger company: $70.7M of revenue in its latest quarter (Q3 2026) against $68.6M for NI Holdings (Q3 2026).
Is American Coastal Insurance or NI Holdings growing faster?
NI Holdings is growing faster (-10% against -22% a year earlier).
Which is more profitable, American Coastal Insurance or NI Holdings?
American Coastal Insurance is more profitable, with an operating margin of 36.8% against 10.2%.
More: American Coastal Insurance earnings · how American Coastal Insurance makes money · NI Holdings earnings · how NI Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.