American Coastal Insurance Corporation (ACIC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Revenue | 71.22M | 86.38M | 90.29M | 86.36M | 72.08M | 79.05M | 82.14M | 68.69M | 66.52M | 58.21M | 52.53M | 73.54M | 90.32M | 113.47M | 72.75M | 63.91M | 58.43M | 154.54M | 162.74M | 155.45M |
| Revenue Growth % | -1.19% | 9.27% | 9.93% | 25.72% | 8.37% | 35.79% | 56.35% | -6.59% | -26.35% | -48.7% | -27.79% | 15.07% | 54.57% | -26.57% | -55.3% | -58.89% | -63.88% | -35.93% | -23.5% | -28.16% |
| Medical Costs & Claims | 10.24M | 9.9M | 35.98M | 40.17M | 35.23M | 56.31M | 32.72M | 29.69M | 23.64M | 27M | 23.43M | 39.77M | 43.38M | 401.12M | 78.8M | 37.6M | 46.62M | 130.02M | 149.69M | 159.39M |
| Medical Cost Ratio % | 14.38% | 11.46% | 39.85% | 46.51% | 48.87% | 71.23% | 39.83% | 43.22% | 35.54% | 46.38% | 44.6% | 54.08% | 48.03% | 353.49% | 108.31% | 58.84% | 79.79% | 84.13% | 91.98% | 102.53% |
| Gross Profit | 60.98M | 76.47M | 54.31M | 46.19M | 36.85M | 22.74M | 49.42M | 39.01M | 42.88M | 31.21M | 29.1M | 33.77M | 46.94M | -287.64M | -6.04M | 26.31M | 11.81M | 24.52M | 13.05M | -3.94M |
| Gross Margin % | 85.62% | 88.54% | 60.15% | 53.49% | 51.13% | 28.77% | 60.17% | 56.78% | 64.46% | 53.62% | 55.4% | 45.92% | 51.97% | -253.49% | -8.31% | 41.16% | 20.21% | 15.87% | 8.02% | -2.53% |
| Gross Profit Growth % | 65.46% | 236.32% | 9.89% | 18.42% | -14.04% | -27.15% | 69.8% | 15.5% | -8.65% | 110.85% | 581.62% | 28.37% | 297.46% | -1272.95% | -146.32% | 768.22% | 127.67% | 352.01% | 120.18% | -106.34% |
| Operating Expenses | 35.23M | 39.86M | 11.94M | 8.64M | 10.66M | 13.85M | 12.9M | 14.12M | 11.51M | 11.63M | 11.05M | 11.37M | 13.09M | 8.83M | 21.47M | 14.13M | 12.8M | 30.73M | 31.65M | 28.84M |
| OpEx / Revenue % | 49.46% | 46.14% | 13.22% | 10% | 14.79% | 17.52% | 15.71% | 20.55% | 17.3% | 19.98% | 21.03% | 15.46% | 14.5% | 7.78% | 29.51% | 22.11% | 21.9% | 19.88% | 19.45% | 18.55% |
| Depreciation & Amortization | 861K | 6.6M | 1.63M | 1.69M | 1.72M | 2.25M | 2.5M | 1.95M | 2.17M | 4.24M | 2.11M | 2.13M | 2.15M | 2.24M | 16.03M | 2.44M | 2.61M | 2.72M | 2.79M | 3.05M |
| Combined Ratio % | 63.84% | 57.61% | 53.07% | 56.52% | 63.66% | 88.76% | 55.54% | 63.77% | 52.84% | 66.36% | 65.63% | 69.54% | 62.53% | 361.27% | 137.82% | 80.95% | 101.69% | 104.01% | 111.43% | 121.08% |
| Operating Income | 25.75M | 36.62M | 42.37M | 37.55M | 26.19M | 8.89M | 36.52M | 24.89M | 31.37M | 19.59M | 18.06M | 22.4M | 33.84M | -296.47M | -27.51M | 12.18M | -988K | -6.2M | -18.6M | -32.77M |
| Operating Margin % | 36.16% | 42.39% | 46.93% | 43.48% | 36.34% | 11.24% | 44.46% | 36.23% | 47.16% | 33.64% | 34.37% | 30.46% | 37.47% | -261.27% | -37.82% | 19.05% | -1.69% | -4.01% | -11.43% | -21.08% |
| Operating Income Growth % | -1.68% | 312.04% | 16.03% | 50.89% | -16.49% | -54.63% | 102.23% | 11.11% | -7.32% | 106.61% | 165.63% | 83.97% | 3525.51% | -4680.26% | -47.91% | 137.15% | 96.24% | 86.29% | 81.5% | -211.16% |
| EBITDA | 26.61M | 43.22M | 44M | 39.24M | 27.92M | 11.14M | 39.02M | 26.83M | 33.54M | 23.82M | 20.17M | 24.52M | 36M | -294.23M | -11.48M | 14.61M | 1.62M | -3.48M | -15.81M | -29.73M |
| EBITDA Margin % | 37.37% | 50.04% | 48.73% | 45.44% | 38.73% | 14.1% | 47.5% | 39.06% | 50.42% | 40.92% | 38.39% | 33.35% | 39.86% | -259.29% | -15.78% | 22.86% | 2.77% | -2.25% | -9.71% | -19.12% |
| Interest Expense | 2.34M | 2.66M | 2.72M | 2.72M | 2.72M | 2.78M | 3.07M | 3.43M | 2.72M | 2.72M | 2.72M | 2.72M | 2.72M | 2.45M | 2.36M | 2.36M | 2.36M | 2.38M | 2.38M | 2.26M |
| Non-Operating Income | -2.34M | -2.66M | -2.72M | -2.72M | -2.72M | -2.78M | -3.07M | -3.43M | -2.72M | -2.72M | -2.72M | -2.72M | -2.72M | -2.45M | -2.36M | -2.36M | -2.36M | -2.38M | -2.38M | -2.26M |
| Pretax Income | 25.75M | 36.62M | 42.37M | 37.55M | 26.19M | 8.89M | 36.52M | 24.89M | 31.37M | 19.59M | 18.06M | 22.4M | 33.84M | -296.47M | -27.51M | 12.18M | -988K | -6.2M | -18.6M | -32.77M |
| Pretax Margin % | 36.16% | 42.39% | 46.93% | 43.48% | 36.34% | 11.24% | 44.46% | 36.23% | 47.16% | 33.64% | 34.37% | 30.46% | 37.47% | -261.27% | -37.82% | 19.05% | -1.69% | -4.01% | -11.43% | -21.08% |
| Income Tax | 6.5M | 10.05M | 9.89M | 9.52M | 6.48M | 3.02M | 8.85M | 5.81M | 7.66M | 2.48M | 3.04M | 1.15M | 3.48M | 298K | -66K | 25.49M | -715K | -3.33M | -3.48M | -9.35M |
| Effective Tax Rate % | 25.24% | 27.46% | 23.33% | 25.34% | 24.75% | 33.97% | 24.23% | 23.36% | 24.42% | 12.66% | 16.85% | 5.15% | 10.27% | -0.1% | 0.24% | 209.33% | 72.37% | 53.74% | 18.72% | 28.54% |
| Net Income | 19.25M | 26.56M | 32.48M | 26.44M | 21.35M | 4.95M | 28.12M | 19.05M | 23.6M | 14.28M | 10.57M | 17.78M | 267.28M | -296.77M | -70.88M | -69.03M | -33.17M | -2.32M | -14.32M | -23.51M |
| Net Margin % | 27.03% | 30.75% | 35.98% | 30.62% | 29.62% | 6.26% | 34.23% | 27.74% | 35.48% | 24.54% | 20.12% | 24.18% | 295.93% | -261.53% | -97.43% | -108.01% | -56.77% | -1.5% | -8.8% | -15.12% |
| Net Income Growth % | -9.81% | 437.08% | 15.52% | 38.77% | -9.54% | -65.37% | 166.08% | 7.17% | -91.17% | 104.81% | 114.91% | 125.76% | 905.74% | -12713.9% | -394.93% | -193.62% | -86.66% | 93.17% | 80.66% | -196.85% |
| EPS (Diluted) | 0.39 | 0.53 | 0.65 | 0.53 | 0.43 | 0.10 | 0.57 | 0.39 | 0.48 | 0.31 | 0.24 | 0.41 | 5.99 | -6.84 | -1.65 | -1.60 | -0.77 | -0.05 | -0.33 | -0.55 |
| EPS Growth % | -9.3% | 430% | 14.04% | 35.9% | -10.42% | -67.74% | 137.5% | -4.88% | -91.99% | 104.53% | 114.55% | 125.63% | 877.92% | -12590.17% | -400% | -190.91% | -87.8% | 93.18% | 80.92% | -198.21% |
| EPS (Basic) | 0.40 | 0.55 | 0.67 | 0.55 | 0.41 | 0.10 | 0.59 | 0.40 | 0.50 | 0.32 | 0.24 | 0.41 | 6.05 | -6.84 | -1.65 | -1.61 | -0.77 | -0.05 | -0.33 | -0.55 |
| Diluted Shares Outstanding | 49.81M | 49.93M | 49.92M | 49.64M | 49.56M | 49.44M | 49.52M | 49.4M | 48.97M | 45.71M | 44.14M | 43.81M | 43.57M | 43.1M | 43.08M | 43.05M | 42.98M | 42.97M | 42.97M | 42.95M |