American Coastal Insurance financials
$9.24−0.22%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY20 Dec 31 |
|---|---|---|---|---|
| Revenue | $335.4M | $296.7M | $264.4M | — |
| Gross profit | $191.6M | $156.3M | $142.3M | — |
| Gross margin | 57.1% | 52.7% | 53.8% | — |
| Operating income | $151.1M | $111.6M | $104.7M | -$24.6M |
| Net income | $106.8M | $75.7M | $309.9M | -$24.8M |
| Net margin | 31.8% | 25.5% | 117.2% | — |
| Diluted EPS | $2.15 | $1.54 | $6.98 | $-0.49 |
| EBITDA | $158.5M | $121.2M | $116.4M | -$24.4M |
| Operating cash flow | $71.0M | $243.5M | -$136.0M | -$22.8M |
| Free cash flow | $70.9M | $243.5M | -$136.2M | -$24.2M |
| Diluted shares | 49.8M | 49.4M | 44.4M | 50.2M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|
| Cash & equivalents | $198.8M | $137.0M | $138.9M | $36.6M |
| Short-term investments | $94.1M | $62.4M | $18.1M | — |
| Total debt | $149.4M | $149.0M | $148.7M | $900.0K |
| Total assets | $1.07B | $1.22B | $1.06B | $41.8M |
| Total liabilities | $755.2M | $980.5M | $893.6M | $5.9M |
| Shareholders' equity | $317.6M | $235.7M | $168.8M | $35.9M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology