American Coastal Insurance Corporation (ACIC)

ACIC Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	75.72	309.91	-469.86	-57.92
Depreciation & Amortization	8.54	6.75	8.21	9.08
Other Amortization	0.33	0.33	-	0.34
Gain (Loss) on Sale of Assets	-	-0.59	-12.89	-
Gain (Loss) on Sale of Investments	-1.06	3.59	44.29	2.01
Stock-Based Compensation	2.55	1.32	1.39	1.19
Change in Accounts Receivable	-0.92	16.05	-6.83	8.07
Reinsurance Recoverable	77.4	741.14	-634.25	-175.79
Change in Accounts Payable	11.91	2.14	-1.76	-14.92
Change in Unearned Revenue	12.54	-154.11	-99.12	-79
Change in Insurance Reserves / Liabilities	-24.96	-724.99	963.02	31.1
Change in Other Net Operating Assets	16.76	-105.47	198.08	-31.18
Other Operating Activities	-2.22	15.58	30.71	-33.53
Operating Cash Flow	243.51	-136	-173.11	-295.39
Capital Expenditures	-0.02	-0.2	-3.05	-5.27
Sale of Property, Plant & Equipment	-	0.63	21.24	-
Investment in Securities	-179.19	229.61	218.65	256.65
Investing Cash Flow	-179.21	-2.54	236.84	251.38
Total Debt Repaid	-	-	-4.44	-1.82
Net Debt Issued (Repaid)	-	-	-4.44	-1.82
Issuance of Common Stock	11.62	26.79	-	-
Repurchases of Common Stock	-1.36	-0.02	-0.03	-0.04
Common Dividends Paid	-24.1	-	-2.59	-10.35
Other Financing Activities	-	-	-18.34	-
Financing Cash Flow	-13.84	26.77	-25.39	-12.21
Net Cash Flow	50.46	-111.78	38.33	-56.22
Free Cash Flow	243.49	-136.2	-176.16	-300.66
Free Cash Flow Margin	82.08%	-51.51%	-79.47%	-131.47%
Free Cash Flow Per Share	4.93	-3.07	-4.09	-7.00
Cash Interest Paid	12.81	10.88	9.55	9.53
Cash Income Tax Paid	-6.78	-10.57	2.49	-19.9
Levered Free Cash Flow	180.58	-296.13	-56.82	-239.7
Unlevered Free Cash Flow	187.75	-289.66	-50.9	-234.23
Change in Working Capital	160.62	-238.22	210.01	-218.84

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q