$9.89
-5.2%American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.
Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.
ACIC • NASDAQ
| American Coastal Insurance Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
106.8M | 75.7M | 309.9M | -470M | -59.9M | -95.5M | -29.5M | 394K | 10.1M | 5.7M | 27.4M | 41M | 20.3M | 9.7M | 8.1M | -925K | 4.1M | 33.4M | 82.5K | 17.2M | |
6.6M | 8.9M | 10.6M | 23.3M | 11.8M | 11M | 12M | 18.5M | 37.5M | 11.7M | 3.3M | 801K | 697K | 1.3M | 1.2M | 1.1M | 1.2M | 781K | 0.0 | 66K | |
10.3M | -2.4M | 14.4M | 24.1M | -22.8M | -9.9M | -4.3M | -2.5M | -8.6M | 2.2M | 2.3M | -1.2M | 1.2M | -661K | -600K | 352K | 1.3M | 3.3M | -32.2K | 0.0 | |
4.3M | 2.5M | 1.3M | 1.4M | 1.2M | 1.4M | 3M | 2.4M | 2.6M | 1.9M | 2M | 649K | 133K | 55K | 0.0 | 0.0 | 75K | 0.0 | 0.0 | 0.0 | |
-2.1M | -1.9M | -234.1M | 38M | -6.8M | -30.3M | -20.1M | 13M | 5.5M | 3.2M | 1.4M | 1.6M | 1.5M | -2.1M | 23K | 927K | 543K | -2M | 0.0 | -2.8M | |
(0.0) | (0.0) | (0.0) | (2.5M) | (0.0) | (1.3M) | (517K) | (4.7M) | (3.9M) | (7.2M) | (13.2M) | (27.9M) | (9.9M) | (6.8M) | (4.4M) | (0.0) | (4M) | (4.8M) | (3.3M) | (0.0) | |
-54.9M | 160.6M | -238.2M | 210M | -218.8M | 112.8M | 187.9M | -21.7M | -32.9M | 41M | 61.9M | 26M | 83.9M | 26.1M | 30M | -5.2M | -671K | 4.5M | 120.3K | 0.0 | |
71M | 243.5M | -136M | -173.1M | -295.4M | -10.5M | 149M | 10.1M | 14.3M | 65.7M | 98.3M | 68.9M | 107.8M | 34.3M | 38.6M | -7.9M | 6.4M | 38.9M | 170.5K | 14.5M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-155K | -22K | -196K | -3M | -5.3M | -10.8M | -21.9M | -4.1M | -5.2M | -3.1M | -10.9M | -6.3M | -1.9M | -452K | -35K | -384K | -314K | -256K | (0.0) | -43K | |
(4.5M) | (0.0) | -232M | (21.2M) | -256.6M | (500M) | (12.1M) | (0.0) | (95.3M) | -32.9M | (14.5M) | (0.0) | (0.0) | (0.0) | -15K | (311K) | (206K) | (0.0) | (0.0) | (0.0) | |
-167.5M | -214.9M | -53.2M | -35.5M | -270.9M | -797.5M | -276.6M | -372.2M | -205.7M | -201.2M | -270.1M | -305M | -244.5M | -78.5M | -102.5M | -80.3M | -85.1M | -72.4M | (0.0) | -135.8M | |
163.8M | 35.7M | 282.8M | 254.1M | 527.6M | 844.9M | 264.5M | 250.6M | 128.3M | 187.5M | 199.6M | 219.9M | 102.2M | 52.6M | 36.6M | 160.6M | 81.9M | 56.2M | 0.0 | 80M | |
0.0 | 0.0 | 0.0 | 0.0 | 256.6M | -500M | -12.1M | -121.6M | -20M | -13.7M | -70.6M | -85.1M | -144.3M | -26.6M | -2.2M | -311K | -206K | -1.3M | 0.0 | 255K | |
(620K) | -179.2M | -2.5M | (236.8M) | (251.4M) | (36.6M) | -34M | -125.6M | -7.3M | -49.8M | -67M | -91.5M | -144.2M | -25.9M | -68.2M | (79.9M) | -3.5M | -17.8M | -37.7M | -55.6M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
774K | 11.6M | 26.8M | -25K | -39K | -112K | 0.0 | 0.0 | 0.0 | -270K | 0.0 | 54M | 3.6M | 23.9M | -431K | 0.0 | 0.0 | 0.0 | 39.1M | 597K | |
0.0 | 0.0 | 0.0 | -4.4M | -1.8M | -1.2M | -1.5M | 14.1M | 109.9M | 33.8M | -3.4M | -1.5M | -1.2M | -1.8M | 450K | -26.9M | -3.8M | -18.4M | -4.9M | 40.9M | |
(0.0) | -24.1M | (0.0) | -2.6M | -10.4M | -10.3M | -10.3M | -10.3M | -9M | -5M | -4.3M | -3.3M | -1.9M | -982K | -518K | -529K | -1.6M | -18.2M | (0.0) | (0.0) | |
(0.0) | (0.0) | -24K | -25K | -39K | -25K | -296K | -418K | -287K | -270K | -185K | (0.0) | (0.0) | (0.0) | -431K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-1.9M | -1.4M | -24K | -18.3M | 0.0 | 0.0 | -296K | 19.5M | 17.7M | 21.1M | -185K | -110K | -400K | 0.0 | 0.0 | 0.0 | 0.0 | -8.5M | -56.9M | -2.2M | |
-1.1M | -13.8M | 26.8M | -25.4M | -12.2M | -11.7M | -12.1M | 23.4M | 118.6M | 49.9M | -7.9M | 49.1M | 71K | 21.1M | -499K | -27.4M | -5.3M | -46.3M | 37.6M | 39.4M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
70.6M | 50.5M | -111.8M | 38.3M | -56.2M | 14.4M | 102.9M | -92.2M | 125.6M | 65.9M | 23.4M | 26.5M | -36.3M | 29.6M | -30M | 44.6M | -2.4M | -25.2M | 71.3K | 0.0 | |
222.3M | 171.8M | 283.6M | 245.3M | 301.5M | 287.1M | 184.1M | 276.3M | 150.7M | 84.8M | 61.4M | 34.9M | 71.2M | 41.6M | 71.6M | 27.1M | 29.5M | 56.9M | 0.0 | 0.0 | |
292.9M | 222.3M | 171.8M | 283.6M | 245.3M | 301.5M | 287.1M | 184.1M | 276.3M | 150.7M | 84.8M | 61.4M | 34.9M | 71.2M | 41.6M | 71.6M | 27.1M | 31.7M | 71.3K | 46.2M | |
70.9M | 243.5M | -136.2M | -176.2M | -300.7M | -21.3M | 127.1M | 6.1M | 9.1M | 62.6M | 87.4M | 62.6M | 105.9M | 33.9M | 38.6M | -8.3M | 6.1M | 38.6M | 170.5K | 14.4M |
ACIC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 29, 2026 | May 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 15, 2026 | May 15, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 05, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 01, 2026 | April 01, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 09, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 20, 2026 | February 17, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 19, 2026 | February 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 14, 2026 | January 14, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 07, 2026 | January 07, 2026 | 2026 |
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