American Coastal Insurance Corporation (ACIC)

ACIC Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	106.84	75.72	309.91	-469.97	-59.87
Depreciation & Amortization	6.57	8.87	10.63	23.31	11.77
Stock-Based Compensation	4.3	2.55	1.32	1.39	1.19
Other Adjustments	8.17	-4.25	-219.64	62.15	-29.64
Changes in Receivables	-25.43	-0.92	16.05	-6.83	8.07
Changes in Reinsurance Contract Assets	188.52	71.58	719.76	-416.65	-221.83
Changes in Deferred Acquisition Costs	1.65	-18.89	33.98	-20.41	35.89
Changes in Accounts Payable	-31.15	98.69	-44.83	-190.48	-7.93
Changes in Accrued Expenses	-10.89	11.91	2.14	-1.76	-14.92
Changes in Unearned Premiums	-32.4	12.54	-154.11	-99.12	-79
Changes in Claims Reserves	-156.49	-26.64	-656.29	862.49	-5.52
Changes in Other Operating Activities	0.44	24.26	-152.79	81.01	51.48
Operating Cash Flow	71.03	243.51	-136	-173.11	-295.39
Operating Cash Flow Growth	-70.83%	-	-	-	-
Capital Expenditures	-0.16	-0.02	-0.2	-3.05	-5.27
Sale of Property, Plant & Equipment	-	-	0.63	21.24	-
Purchases of Intangible Assets	-0.16	-0.02	-0.2	-3.05	-5.27
Purchases of Investments	-167.54	-214.94	-53.24	-35.47	-270.91
Proceeds from Sale of Investments	163.82	35.75	282.85	254.11	527.56
Proceeds from Business Divestments	4.5	-	-	-	-
Other Investing Activities	-	-	-232.58	-	-
Investing Cash Flow	0.62	-179.21	-2.54	236.84	251.38
Long-Term Debt Repaid	-	-	-	-4.44	-1.82
Net Long-Term Debt Issued (Repaid)	-	-	-	-4.44	-1.82
Issuance of Common Stock	0.77	11.62	26.79	-	-
Net Common Stock Issued (Repurchased)	0.77	11.62	26.79	-	-
Common Dividends Paid	-	-24.1	-	-2.59	-10.35
Other Financing Activities	-1.86	-1.36	-0.02	-18.36	-0.04
Financing Cash Flow	-1.08	-13.84	26.77	-25.39	-12.21
Net Cash Flow	70.56	50.46	-111.78	38.33	-56.22
Free Cash Flow	70.87	243.49	-136.2	-176.16	-300.66
Free Cash Flow Growth	-70.89%	-	-	-	-
FCF Margin	21.13%	82.08%	-51.51%	-79.47%	-131.47%
Free Cash Flow Per Share	1.42	4.93	-3.07	-4.09	-7.00
Levered Free Cash Flow	229.43	284.66	724.5	-1,101	-289.54
Unlevered Free Cash Flow	235.64	292.72	507.46	-639.15	-230.25

Updated Dec 31, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q