American Coastal Insurance Corporation (ACIC) Earnings History
Profitable20 years of earnings data (2006–2025) · Positive TTM net income
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American Coastal Insurance Corporation (ACIC) Earnings Overview
As of July 7, 2026, American Coastal Insurance Corporation (ACIC) reported trailing twelve-month net income of $105M, reflecting +40.5% year-over-year growth. The company earned $2.10 per diluted share over the past four quarters, with a net profit margin of 31.8%.
Looking at the long-term picture, ACIC's historical earnings data spans multiple years. The company achieved its highest annual net income of $310M in fiscal 2023.
American Coastal Insurance Corporation maintains industry-leading profitability with a gross margin of 86.3%, operating margin of 42.6%, and net margin of 31.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including HCI ($303M net income, 33.2% margin), UPC (-$12M net income, -20.6% margin), HRTG ($202M net income, 23.1% margin), ACIC has room to improve margins relative to the peer group. Compare ACIC vs HCI →
ACIC Earnings vs Peers
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ACIC Historical Earnings Data (2006–2025)
20 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $107M | +41.1% | $143M | $2.15 | 31.8% | 42.6% |
| 2024 | $76M | -75.6% | $112M | $1.53 | 25.5% | 37.6% |
| 2023 | $310M | +166.0% | $96M | $6.98 | 117.5% | 36.4% |
| 2022 | -$470M | -711.2% | $2M | $-10.87 | -212.8% | 0.8% |
| 2021 | -$58M | +40.0% | -$10M | $-1.35 | -25.3% | -4.6% |
| 2020 | -$96M | -222.9% | -$132M | $-2.25 | -11.4% | -15.6% |
| 2019 | -$30M | -10400.7% | -$33M | $-0.70 | -3.6% | -4.0% |
| 2018 | $290,000 | -97.1% | -$4M | $0.01 | 0.0% | -0.6% |
| 2017 | $10M | +78.0% | $910,000 | $0.27 | 1.6% | 0.1% |
| 2016 | $6M | -79.2% | $7M | $0.26 | 1.2% | 1.4% |
| 2015 | $27M | -33.3% | $42M | $1.28 | 7.7% | 11.7% |
| 2014 | $41M | +101.6% | $64M | $2.05 | 14.6% | 23.0% |
| 2013 | $20M | +109.6% | $34M | $1.26 | 9.8% | 16.6% |
| 2012 | $10M | +20.0% | $16M | $0.91 | 7.4% | 12.0% |
| 2011 | $8M | +974.4% | $13M | $0.77 | 8.4% | 13.5% |
| 2010 | $-925,000 | -122.8% | -$1M | $-0.09 | -1.2% | -1.8% |
| 2009 | $4M | -87.9% | $6M | $0.38 | 4.6% | 7.2% |
| 2008 | $33M | -15.7% | $42M | $3.08 | 33.1% | 41.2% |
| 2007 | $40M | +130.4% | $48M | $0.01 | 35.2% | 42.6% |
| 2006 | $17M | - | $18M | $1.33 | 20.9% | 22.1% |
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ACIC — Frequently Asked Questions
Quick answers to the most common questions about buying ACIC stock.
What is ACIC earnings per share (EPS)?
ACIC trailing twelve-month (TTM) diluted EPS is $2.10, reflecting +40.5% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2006 to 2025 is available in the table on this page.
What is American Coastal Insurance Corporation's net income?
American Coastal Insurance Corporation (ACIC) trailing twelve-month net income is $105M as of 2025. Earnings grew +40.5% year-over-year. American Coastal Insurance Corporation has been profitable for 3 consecutive years.
Is ACIC profitable?
Yes, ACIC is profitable with a TTM net income of $105M and a net profit margin of +31.8%. American Coastal Insurance Corporation has generated profits for 3 consecutive years.
What is ACIC's earnings growth rate?
ACIC compound annual EPS growth rates (CAGR): 1-Year: +40.5%, 3-Year: N/A, 5-Year: N/A, 10-Year: +5.3%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2006 to 2025.
What are ACIC's profit margins?
American Coastal Insurance Corporation net profit margin is +31.8%, operating margin is +42.6%, and gross margin is +86.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +38.6%.
Is ACIC growing earnings?
Yes, ACIC earnings are accelerating — EPS growth of +40.5% exceeds the 5-year CAGR of N/A. TTM net income reached $105M. Earnings momentum is strengthening.
What was ACIC's best earnings year?
American Coastal Insurance Corporation's highest annual net income on record is $310M, achieved in fiscal year 2023. Earnings history on this page spans 2006 to 2025 and includes all annual and quarterly figures.
What were ACIC's earnings last quarter?
ACIC's most recent reported quarter was Q1 2026. Net income was $19M with diluted EPS of $0.39. For a full breakdown of all quarters, see the quarterly earnings table on this page.