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Income statement, American Coastal Insurance Corp, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Premiums earned
307
274
262
224
221
783
Other revenue
28.6
22.7
2.3
−2.4
7.5
63.3
Total revenue
335
297
264
222
229
847
Losses, benefits and adjustments
46.0
69.3
46.7
96.1
89.1
608
Amortization of policy acquisition costs
97.8
71.0
75.4
81.0
93.2
236
Selling, general & administrative expenses
40.5
44.8
37.6
43.7
31.4
72.1
Interest expense (income), operating
10.8
12.0
10.9
9.5
9.3
9.6
Other operating expenses
−2.5
−2.1
−2.2
−10.3
16.1
52.8
Operating income
143
102
96.1
1.7
−10.4
−132
Net interest income (expense)
–
–
–
–
–
–
Gain (loss) on sale of assets
–
–
–
–
–
–
Other non-operating income (expense)
0
0
0
0
0
0
Net income before taxes
143
102
96.1
1.7
−10.4
−132
Provision for taxes
35.9
25.3
10.9
26.2
−6.7
−36.6
Minority interest
–
0
0
0.1
1.9
−1.0
Equity in affiliates
–
–
–
–
–
–
U.S. GAAP adjustment
–
–
–
–
–
–
Net income before extraordinary items
107
76.3
85.2
−24.4
−1.8
−96.5
Extraordinary items
0
−0.6
225
−445
−56.1
–
Net income
107
75.7
310
−470
−57.9
−96.5
Basic weighted average shares (mil)
48.5
47.8
43.6
43.1
42.9
42.9
Diluted weighted average shares (mil)
49.8
49.4
44.4
43.1
42.9
42.9
Basic EPS, normalized
2.08
1.56
2.02
−9.85
−1.41
–
Balance sheet in millions of USD, fiscal years
Balance sheet, American Coastal Insurance Corp, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Assets
Total receivables
–
–
–
–
–
–
Prepaid expenses
–
–
–
–
–
–
Property, plant & equipment
3.7
8.9
4.2
6.6
33.2
36.4
Goodwill
59.5
59.5
59.5
59.5
73.0
73.0
Intangibles
3.5
5.9
8.5
12.8
18.4
21.9
Insurance receivables
70.4
46.6
45.9
39.3
79.2
87.3
Long-term investments
355
341
155
224
720
995
Note receivable
–
–
–
–
–
–
Other long-term assets
94.1
136
95.2
1,481
33.3
62.1
Deferred policy acquisition costs
37.8
40.3
21.1
52.4
38.5
74.4
Other assets
250
441
534
891
1,491
1,259
Total assets
1,073
1,216
1,062
2,837
2,699
2,849
Liabilities
Accounts payable
113
86.1
74.8
74.4
76.3
91.2
Payable/accrued
–
–
–
–
–
–
Accrued expenses
3.1
3.3
0.7
1.7
1.9
2.3
Policy liabilities
482
691
624
1,132
1,978
2,056
Short-term debt
0
0
0
0
0
0
Current portion of long-term debt
–
–
–
–
–
–
Long-term debt
149
149
149
148
157
158
Minority interest
–
–
–
–
19.6
21.8
Other liabilities
7.7
51.4
45.5
1,663
154
124
Total liabilities
755
980
894
3,020
2,386
2,453
Shareholders' equity
Preferred stock
0
0
0
0
0
0
Common stock
0
0
0
0
0
0
Additional paid-in capital
440
437
424
396
394
393
Retained earnings (accumulated deficit)
−115
−185
−237
−546
−74.9
−6.6
Treasury stock
−0.4
−0.4
−0.4
−0.4
−0.4
−0.4
Other equity
−7.2
−15.7
−17.1
−30.9
−6.5
9.7
Total equity
318
236
169
−182
312
396
Total liabilities & shareholders' equity
1,073
1,216
1,062
2,837
2,699
2,849
Cash flow statement in millions of USD, fiscal years
Cash flow statement, American Coastal Insurance Corp, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Operating activities
Net income
107
75.7
310
−470
−59.9
−95.5
Depreciation, depletion & amortization
6.6
8.9
10.6
23.3
11.8
11.0
Deferred taxes
10.3
−2.4
14.4
24.1
−22.8
−9.9
Non-cash items
1.8
0.4
−238
7.4
−2.0
38.3
Changes in working capital
−54.5
161
−233
242
−222
45.6
Cash from operations
71.0
244
−136
−173
−295
−10.5
Investing activities
Capital expenditures
−0.2
0
−0.2
−3.0
−5.3
−10.8
Other investing cash flows
0.8
−179
−2.3
240
257
47.4
Cash from investing
0.6
−179
−2.5
237
251
36.6
Financing activities
Financing cash flow items
−1.9
−1.4
0
−18.4
0
−0.1
Cash dividends paid
0
−24.1
0
−2.6
−10.3
−10.3
Issuance (retirement) of debt, net
–
–
–
–
–
–
Other financing cash flows
0.8
11.6
26.8
−4.4
−1.8
−1.2
Cash from financing
−1.1
−13.8
26.8
−25.4
−12.2
−11.7
Foreign exchange effects
–
–
–
–
–
–
Net change in cash
70.6
50.5
−112
38.3
−56.2
14.4
Free cash flow
70.9
243
−136
−176
−301
−21.3
Disclaimer
The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.
This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.
QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.
Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.