# AMERICAN COASTAL INSURANCE Corp: overview

ACIC · Nasdaq · CIK 1401521 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/acic.md) · [Financials](/companies/acic/financials.md) · [Filings](/companies/acic/filings.md) · [Insiders](/companies/acic/insiders.md)

Latest reported revenue: [$82.6m](/filings/0001401521-26-000037.md) for Q2 FY2026, three months to 2026-06-30, from the 10-Q filed Aug 6, 2026 (XBRL us-gaap:Revenues, accession 0001401521-26-000037).

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [82.1](/filings/0001401521-25-000133.md) | [79.3 d](/filings/0001401521-26-000015.md) | [72.2](/filings/0001401521-26-000029.md) | [86.5](/filings/0001401521-26-000037.md) | [90.4](/filings/0001401521-25-000133.md) | [86.4 d](/filings/0001401521-26-000015.md) | [71.2](/filings/0001401521-26-000029.md) | [82.6](/filings/0001401521-26-000037.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | [43.9%](/filings/0001401521-25-000133.md) | [11.2% d](/filings/0001401521-26-000015.md) | [34.8%](/filings/0001401521-26-000029.md) | [41.8%](/filings/0001401521-26-000037.md) | [46.1%](/filings/0001401521-25-000133.md) | [43.2% d](/filings/0001401521-26-000015.md) | [35.9%](/filings/0001401521-26-000029.md) | [34.4%](/filings/0001401521-26-000037.md) |
| Net margin | % | [34.2%](/filings/0001401521-25-000133.md) | [6.2% d](/filings/0001401521-26-000015.md) | [29.6%](/filings/0001401521-26-000029.md) | [30.6%](/filings/0001401521-26-000037.md) | [35.9%](/filings/0001401521-25-000133.md) | [30.8% d](/filings/0001401521-26-000015.md) | [27.0%](/filings/0001401521-26-000029.md) | [26.5%](/filings/0001401521-26-000037.md) |
| Diluted EPS | $ per share | [0.57](/filings/0001401521-25-000133.md) | not reported | [0.43](/filings/0001401521-26-000029.md) | [0.53](/filings/0001401521-26-000037.md) | [0.65](/filings/0001401521-25-000133.md) | not reported | [0.39](/filings/0001401521-26-000029.md) | [0.44](/filings/0001401521-26-000037.md) |
| Free cash flow | $m | [(9.0) d](/filings/0001401521-25-000133.md) | [1.6 d](/filings/0001401521-26-000015.md) | [26.3](/filings/0001401521-26-000029.md) | [128 d](/filings/0001401521-26-000037.md) | [(35.6) d](/filings/0001401521-25-000133.md) | [(47.8) d](/filings/0001401521-26-000015.md) | [(5.9)](/filings/0001401521-26-000029.md) | [58.3 d](/filings/0001401521-26-000037.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [229](/filings/0001401521-24-000024.md) | [222](/filings/0001401521-25-000032.md) | [264](/filings/0001401521-26-000015.md) | [297](/filings/0001401521-26-000015.md) | [335](/filings/0001401521-26-000015.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | [(4.6%)](/filings/0001401521-24-000024.md) | [(3.9%)](/filings/0001401521-25-000032.md) | [35.5%](/filings/0001401521-26-000015.md) | [33.6%](/filings/0001401521-26-000015.md) | [41.8%](/filings/0001401521-26-000015.md) |
| Net margin | % | [(25.3%)](/filings/0001401521-24-000024.md) | [(212.0%)](/filings/0001401521-25-000032.md) | [117.2%](/filings/0001401521-26-000015.md) | [25.5%](/filings/0001401521-26-000015.md) | [31.8%](/filings/0001401521-26-000015.md) |
| Diluted EPS | $ per share | [(1.35)](/filings/0001401521-24-000024.md) | [(10.91)](/filings/0001401521-25-000032.md) | [6.98](/filings/0001401521-26-000015.md) | [1.54](/filings/0001401521-26-000015.md) | [2.15](/filings/0001401521-26-000015.md) |
| Free cash flow | $m | [(301)](/filings/0001401521-24-000024.md) | [(176)](/filings/0001401521-25-000032.md) | [(136)](/filings/0001401521-26-000015.md) | [243](/filings/0001401521-26-000015.md) | [70.9](/filings/0001401521-26-000015.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/acic/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $25.3m | 2,280,065 |  | Added +451,801 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $11.1m | 995,636 |  | Reduced −1,005 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $9.9m | 893,772 |  | Added +143,664 |
| [AMERICAN CENTURY COMPANIES INC](/funds/748054.md) | 2026-06-30 | $9.4m | 848,367 |  | Added +128,930 |
| [PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.](/funds/1238990.md) | 2026-06-30 | $9.0m | 808,705 |  | Unchanged |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $7.5m | 677,070 |  | Added +61,209 |
| [TWO SIGMA INVESTMENTS, LP](/funds/1179392.md) | 2026-06-30 | $6.6m | 591,554 |  | Added +26,800 |
| [RENAISSANCE TECHNOLOGIES LLC](/funds/1037389.md) | 2026-06-30 | $6.0m | 542,359 |  | Added +3,102 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $5.7m | 509,767 |  | Added +3,940 |
| [ARROWSTREET CAPITAL, LIMITED PARTNERSHIP](/funds/1164508.md) | 2026-06-30 | $5.1m | 455,576 |  | Added +137,685 |

## Recent filings

[All 1,156 filings](/companies/acic/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-29 | 16:01 ET | [8-K](/filings/0001401521-26-000042.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001401521-26-000042 |
| 2026-10-02 | 16:03 ET | [8-K](/filings/0001401521-26-000039.md) | 5.02 Departure or appointment of officers or directors | 0001401521-26-000039 |
| 2026-08-06 | 16:18 ET | [10-Q](/filings/0001401521-26-000037.md) | Quarterly report, period 2026-06-30 | 0001401521-26-000037 |
| 2026-08-05 | 16:01 ET | [8-K](/filings/0001401521-26-000035.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001401521-26-000035 |
| 2026-05-29 | 16:04 ET | [8-K](/filings/0001401521-26-000033.md) | 5.07 Shareholder vote results | 0001401521-26-000033 |
| 2026-05-15 | 16:07 ET | [8-K](/filings/0001401521-26-000031.md) | 8.01 Other events | 0001401521-26-000031 |
| 2026-05-08 | 16:01 ET | [10-Q](/filings/0001401521-26-000029.md) | Quarterly report, period 2026-03-31 | 0001401521-26-000029 |
| 2026-05-05 | 16:02 ET | [8-K](/filings/0001401521-26-000027.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001401521-26-000027 |
| 2026-04-01 | 16:01 ET | [DEF 14A](/filings/0001401521-26-000023.md) | Proxy statement, period 2026-04-01 | 0001401521-26-000023 |
| 2026-03-09 | 16:53 ET | [10-K](/filings/0001401521-26-000015.md) | Annual report, period 2025-12-31 | 0001401521-26-000015 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001401521-26-000015.md), filed Mar 9, 2026.

## Forecast league

Q3 FY2026, the quarter ended 2026-09-30, locked when the 8-K was accepted. It is scored when the 10-Q or 10-K is ingested. [See the target](/leagues/2026q3/targets/e5c19cfc-e6d0-4b4e-9c53-9c2710c8de35)

## About the filer

- CIK: 1401521
- Tickers: ACIC
- Exchange: Nasdaq
- SIC code: 6331 Fire, Marine & Casualty Insurance
- State of incorporation: DE
- Filer category: Accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 29, 2026, 16:02 ET. No prices; not investment advice.