American Coastal Insurance Corporation (ACIC) Earnings History
Annual and quarterly earnings data from 2006 to 2025
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ACIC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
ACIC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 86.3% | 42.6% | 31.8% |
| 2024 | 52.7% | 37.6% | 25.5% |
| 2023 | 53.7% | 36.4% | 117.5% |
| 2022 | 19.8% | 0.8% | -212.8% |
| 2021 | 20.3% | -4.6% | -25.3% |
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American Coastal Insurance Corporation (ACIC) Earnings Overview
As of May 8, 2026, American Coastal Insurance Corporation (ACIC) reported trailing twelve-month net income of $107M, reflecting +40.5% year-over-year growth. The company earned $2.14 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 ($314M net income, 33.2% margin), UPC (-$12M net income, -20.6% margin), HRTG ($196M net income, 23.1% margin), ACIC has room to improve margins relative to the peer group. Compare ACIC vs HCI →
ACIC Earnings vs Peers
Earnings metrics vs comparable public companies
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% |
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Start ComparisonACIC — Frequently Asked Questions
Quick answers to the most common questions about buying ACIC stock.
Is ACIC growing earnings?
ACIC EPS is $2.14, with earnings growth accelerating to +40.5%. This exceeds the 5-year CAGR of N/A. TTM net income reached $107M.
What are ACIC's profit margins?
American Coastal Insurance Corporation net margin is +31.8%, with operating margin at +42.6%. Above-average margins indicate pricing power.
How consistent are ACIC's earnings?
ACIC earnings data spans 2006-2025. The accelerating earnings trend is +40.5% YoY. Historical data enables comparison across business cycles.