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American Coastal Insurance Corporation ACIC Q4 2025 Annual earnings

Reported February 19, 2026 · After market close

Revenue$114.5MMiss by $26.2M
EPS$0.51Beat by $0.09
Revenue estimate$140.7M
EPS estimate$0.42

Next report

Nov 4, 2026 (in a month)
Revenue estimate$64.6M
EPS estimate$0.10

Financials

Q4 2025

Income statement

See full
Revenue$86.4M+9.0%
Operating income$37.3M+319%
Net income$26.6M+437%
EPS (diluted)$0.54+440%

Balance sheet

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Cash & equivalents$292.9M+31.7%
Total debt$152.5M+0.1%
Total equity$317.6M+34.8%
Total assets$1.1B-11.8%

Cash flow

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CapEx$59.0K+436%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$615.91M-5.1%
Enterprise value$475.54M-17.9%
P/E5.8×-2.8×
P/S1.8×-0.4×

Profitability

See full
Operating margin41.8%+8.2pp
Net margin31.8%+6.3pp

Returns & leverage

See full
Return on equity38.6%+1.2pp
Debt / equity0.5×-0.2×

FAQ

When did American Coastal Insurance Corporation report Q4 2025 earnings?
American Coastal Insurance Corporation (ACIC) reported Q4 2025 earnings on February 19, 2026 after market close.
What were American Coastal Insurance Corporation's Q4 2025 revenue and EPS?
American Coastal Insurance Corporation reported revenue of $114.5M and eps of $0.51 for Q4 2025.
Did American Coastal Insurance Corporation beat estimates in Q4 2025?
Revenue missed the consensus estimate of $140.7M by $26.2M. EPS beat the consensus estimate of $0.42 by $0.09.
How did American Coastal Insurance Corporation's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 44.5% from $79.3M a year earlier and eps grew 325.0% from $0.12.
Where can I find American Coastal Insurance Corporation's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001401521-26-000008) and the 10-K periodic report (0001401521-26-000015) directly on SEC EDGAR. The filing index links above go to sec.gov.