For the quarter ending 2026-03-31, ACIC had -$53,905K decrease in cash & cash equivalents over the period. -$5,872K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Gain on sale of property and equipment | - | 0 | - | - |
| Fixed asset disposal | - | - | -1 | -60 |
| Fixed asset and intangible asset disposals | - | 1,369 | - | - |
| Loss on sale of subsidiary | - | 0 | 0 | -328 |
| Gain on disposition of former subsidiary | - | 0 | 0 | 0 |
| Net income | 19,254 | 26,564 | 32,483 | 47,790 |
| Depreciation and amortization | 861 | 1,527 | 1,629 | 3,413 |
| Bond amortization and accretion | -137 | -367 | -135 | -346 |
| Net realized gains on investments | 6 | -1 | 2 | -413 |
| Net unrealized losses (gains) on equity securities | 528 | 1,570 | 3,161 | 268 |
| Provision for uncollectable premiums | 0 | 0 | 0 | -26 |
| Provision for uncollectable reinsurance recoverables | 6 | -9 | -5 | -31 |
| Deferred income taxes, net | 2,721 | 1,457 | -2,871 | -8,870 |
| Stock based compensation | 1,129 | 1,048 | 1,047 | 2,204 |
| Accrued investment income | -60 | -70 | -121 | 363 |
| Premiums receivable | 6,272 | 40,112 | -23,169 | 8,482 |
| Reinsurance recoverable on paid and unpaid losses | -16,142 | -16,065 | -25,366 | -93,822 |
| Ceded unearned premiums | -18,975 | -74,669 | -72,406 | 93,808 |
| Deferred policy acquisition costs, net | 2,137 | -6,399 | -13,794 | 18,540 |
| Other assets | -11 | 956 | -417 | -2,102 |
| Unpaid losses and loss adjustment expenses | -38,711 | -23,002 | -30,539 | -102,953 |
| Unearned premiums | 8,262 | -43,431 | -90,944 | 101,973 |
| Reinsurance payable on premiums | -24,350 | -76,217 | -83,798 | 139,759 |
| Accounts payable and accrued expenses | 4,227 | 11,271 | -419 | -21,742 |
| Operating lease liability | -58 | -58 | -55 | -79 |
| Other liabilities | -17 | -229 | -131 | -396 |
| Net cash provided by (used in) operating activities | -5,736 | -47,752 | -35,615 | 154,392 |
| Proceeds from sales, maturities and repayments of fixed maturities | 3,839 | 4,885 | 56,913 | 55,868 |
| Proceeds from sales, maturities and repayments of equity securities | 0 | 16 | -16 | 9,998 |
| Proceeds from sales, maturities and repayments of other investments | 92 | 15,538 | 56 | 20,566 |
| Purchases of fixed maturities | 6,330 | 10,926 | 53,431 | 22,638 |
| Purchases of equity securities | 3,981 | 8,000 | 9,005 | 12,023 |
| Purchases of other investments | 79 | 18,129 | 6,978 | 26,414 |
| Net proceeds from sale of former subsidiary | - | - | 0 | 4,495 |
| Proceeds from sale of property, equipment, and cap software | - | 0 | - | - |
| Cost of property, equipment and capitalized software acquired | 136 | 59 | 0 | 96 |
| Disposition of cash on divestiture of subsidiary | - | 0 | - | - |
| Net proceeds from sale of former subsidiary | - | -4,495 | - | - |
| Net cash provided by (used in) investing activities | -6,595 | -16,675 | -12,461 | 29,756 |
| Tax withholding payment related to net settlement of equity awards | - | 1,855 | - | - |
| Treasury stock | 5,000 | - | - | - |
| Dividends | 36,574 | 0 | - | - |
| Proceeds from issuance of common stock, including exercise of stock options | 0 | 0 | 0 | 774 |
| Net cash provided by (used in) financing activities | -41,574 | -1,855 | 0 | 774 |
| Increase (decrease) in cash, cash equivalents and restricted cash, including cash classified as assets held for sale | -53,905 | -66,282 | -48,076 | 184,922 |
| Cash, cash equivalents and restricted cash at beginning of period | 292,854 | 359,136 | 222,290 | - |
| Cash, cash equivalents and restricted at end of period | 238,949 | 292,854 | 359,136 | - |
AMERICAN COASTAL INSURANCE Corp (ACIC)
AMERICAN COASTAL INSURANCE Corp (ACIC)