American Coastal Insurance (ACIC) financial statements
American Coastal Insurance reported revenue of $335M in fiscal 2025, down 4.1% a year over 9 years.
Net income was $107M and the operating margin 41.8%, against 1.4% in 2016.
Free cash flow was $71M.
The diluted share count rose 130% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from American Coastal Insurance's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $487M | $654M | $724M | $825M | $847M | $229M | $222M | $264M | $297M | $335M |
| Selling, general and admin | $43M | $82M | $66M | $66M | $72M | $31M | $44M | $38M | $45M | $40M |
| Operating income | $7M | $757,000 | -$4M | -$33M | -$132M | -$11M | -$9M | $94M | $100M | $140M |
| Interest expense | $723,000 | $3M | $10M | $10M | $10M | $9M | $9M | $11M | $12M | $11M |
| Pre-tax income | $7M | $910,000 | -$4M | -$33M | -$132M | -$10M | $2M | $96M | $102M | $143M |
| Income tax | $1M | -$9M | -$5M | -$3M | -$37M | -$7M | $26M | $11M | $25M | $36M |
| Net income | $6M | $10M | $290,000 | -$30M | -$96M | -$58M | -$470M | $310M | $76M | $107M |
| EPS (diluted) | $0.26 | $0.27 | $0.01 | -$0.70 | -$2.25 | -$1.35 | -$10.91 | $6.98 | $1.54 | $2.15 |
| Diluted shares | 22M | 37M | 43M | 43M | 43M | 43M | 43M | 44M | 49M | 50M |
| Operating margin | 1.4% | 0.1% | -0.6% | -4.0% | -15.6% | -4.6% | -3.9% | 35.5% | 33.6% | 41.8% |
| Net margin | 1.2% | 1.6% | 0.0% | -3.6% | -11.4% | -25.3% | -212.0% | 117.2% | 25.5% | 31.8% |
Balance sheet
Fiscal years, from American Coastal Insurance's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $151M | $230M | $113M | $215M | $239M | $212M | $71M | $139M | $137M | $199M |
| Receivables | $39M | $75M | $96M | $87M | $87M | $79M | $39M | $46M | $47M | $70M |
| Property, plant and equipment | $18M | $17M | $17M | $33M | $34M | $32M | $5M | $4M | $6M | $723,000 |
| Goodwill | $14M | $73M | $73M | $73M | $73M | $73M | $70M | $59M | $59M | $59M |
| Total assets | $1000M | $2.1B | $2.3B | $2.5B | $2.8B | $2.7B | $2.8B | $1.1B | $1.2B | $1.1B |
| Total liabilities | $758M | $1.5B | $1.8B | $1.9B | $2.4B | $2.4B | $3.0B | $894M | $980M | $755M |
| Shareholders' equity | $241M | $537M | $520M | $503M | $396M | $312M | -$182M | $169M | $236M | $318M |
| Net debt | -$151M | -$230M | -$113M | -$215M | -$239M | -$212M | -$71M | -$139M | -$137M | -$199M |
Cash flow
Fiscal years, from American Coastal Insurance's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $66M | $36M | $26M | $149M | -$10M | -$295M | -$173M | -$136M | $244M | $71M |
| Capital spending | $3M | $5M | $4M | $22M | $11M | $5M | $3M | $196,000 | $22,000 | $155,000 |
| Free cash flow | $63M | $30M | $22M | $127M | -$21M | -$301M | -$176M | -$136M | $243M | $71M |
| Stock-based compensation | $2M | $3M | $2M | $3M | $1M | $1M | $1M | $1M | $3M | $4M |
| Dividends paid | $5M | $9M | $10M | $10M | $10M | $10M | $3M | $0 | $24M | $0 |
| Net borrowing | $34M | $110M | -$2M | -$2M | -$1M | -$2M | -$4M | $0 | — | — |
| Free cash flow margin | 12.9% | 4.6% | 3.0% | 15.4% | -2.5% | -131.5% | -79.5% | -51.5% | 82.1% | 21.1% |
| Dividends per share | $0.23 | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | $0.06 | — | $0.49 | — |
Questions
What was American Coastal Insurance's revenue in 2025?
$335M in fiscal 2025, from its 10-K filing.
How much free cash flow does American Coastal Insurance generate?
$71M in fiscal 2025 (operating cash flow minus capital spending).
From American Coastal Insurance's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.