Short answer
AMERICAN COASTAL INSURANCE Corp (ACIC) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $90M (up 10.1% year over year) with net income of $32M.
Q3 2025 key financials · XBRL
- Revenue
- $90M
- +10.1% YoY · +4.5% QoQ
- Net income
- $32M
- +15.5% YoY · +22.8% QoQ
- Operating margin
- 46.1%
- EPS (diluted)
- $0.65
- +14.0% YoY · +22.6% QoQ
Source: XBRL data from the AMERICAN COASTAL INSURANCE Corp (ACIC) Q3 2025 10-Q on SEC EDGAR. USD.
AMERICAN COASTAL INSURANCE Corp Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- Newly added agent-concentration risk: exclusive AmRisc MGA contract for Florida commercial residential property business
- Most material operational risk: AmRisc volume shortfalls could reduce premiums and require replacement of the managing general agent
- Competitive distribution risk: apartment product marketed through 10 independent wholesalers controlling customer relationships
- Near-term retention risk: competing insurers may offer broader products, lower premiums, or higher broker commissions
- Financial concentration risk: AmRisc controls a substantial portion of commercial business and operations
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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