Q3 FY2026 · ended Sep 30, 2026 · Revenue $70.70M, -21.8% YoY · Filed Nov 5, 2026
American Coastal Insurance Corporation (ACIC) files with the SEC under industry code 6331, Fire, Marine & Casualty Insurance. In Q3 of fiscal 2026, the quarter ended Sep 30, 2026, it reported revenue of $70.7 million and net income of $19.4 million. Free cash flow was $64.4 million. As of Sep 30, 2026 it held $517.0 million in cash and investments and $3.0 million in total debt.
Revenue
$70.70M
-21.8% vs year-ago quarter
Net income
$19.40M
-40.3% vs year-ago quarter
Operating cash flow
$64.56M
+281.3% vs year-ago quarter
Free cash flow
$64.36M
+280.7% vs year-ago quarter
EPS
$0.40
-38.5% vs year-ago quarter
Dividend per share
$0.75
+50.0% vs year-ago quarter
Shares outstanding
47.29M
-3.0% vs year-ago quarter
Net cash
$514.07M
Q3 FY2026
Operating margin
37.7%
TTM
Company profile
- Industry
- Fire, Marine & Casualty Insurance (SIC 6331)
- Listed as
- ACIC (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- Saint Petersburg, FL
- SEC filer status
- Accelerated filer
- SEC CIK
- 1401521
- Former names
- UNITED INSURANCE HOLDINGS CORP. (until Jun 26, 2023); FMG ACQUISITION CORP (until Sep 24, 2008)
Other Fire, Marine & Casualty Insurance companies
Key figures
Fiscal-year totals from the annual reports; switch to Annual for the full-year view. Balance sheet lines are as of each year end.
| Line | Q3 FY2026 Sep 30, 2026 |
Q2 FY2026 Jun 30, 2026 |
Q1 FY2026 Mar 31, 2026 |
Q4 FY2025 Dec 31, 2025 |
Q3 FY2025 Sep 30, 2025 |
|---|---|---|---|---|---|
| Revenue | $70.7M | $82.6M | $71.2M | $86.4M | $90.4M |
| Operating income | $26.0M | $28.5M | $25.5M | $37.3M | $41.7M |
| Net income | $19.4M | $21.9M | $19.3M | $26.6M | $32.5M |
| Diluted EPS | $0.40 | $0.44 | $0.39 | $0.53 | $0.65 |
| Operating cash flow | $64.6M | $58.5M | -$5.7M | -$47.8M | -$35.6M |
| Free cash flow | $64.4M | $58.3M | -$5.9M | -$47.8M | -$35.6M |
| Total assets | $1.1B | $1.2B | $997.0M | $1.1B | $1.2B |
| Total liabilities | $761.9M | $903.0M | $665.3M | $755.2M | $851.6M |
| Stockholders' equity | $355.7M | $340.8M | $331.7M | $317.6M | $327.2M |
| Cash and investments | $517.0M | $457.3M | $371.1M | $451.9M | $514.4M |
| Total debt | $3.0M | $3.0M | $3.1M | $153.1M | $3.2M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 10-Q | Quarterly report | Nov 5, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations, Regulation FD disclosure
|
Oct 29, 2026 | Oct 29, 2026 |
| 8-K |
Current report
Officer or director change
|
Oct 2, 2026 | Oct 1, 2026 |
| 10-Q | Quarterly report | Aug 6, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations, Regulation FD disclosure
|
Aug 5, 2026 | Aug 5, 2026 |
| 8-K |
Current report
Shareholder vote results
|
May 29, 2026 | May 29, 2026 |
All 1001 American Coastal Insurance Corporation SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.