Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $487M | $654M | $724M | $825M | $847M | $229M | $222M | $264M | $297M | $335M |
| Revenue growth | — | 34.3% | 10.6% | 14.0% | 2.6% | -73.0% | -3.1% | 19.3% | 12.2% | 13.1% |
| Operating income | $6.90M | $757K | -$4.36M | -$32.7M | -$132M | -$10.5M | -$8.66M | $93.9M | $99.6M | $140M |
| Operating margin | 1.4% | 0.1% | -0.6% | -4.0% | -15.6% | -4.6% | -3.9% | 35.5% | 33.6% | 41.8% |
| Net income | $5.70M | $10.1M | $290K | -$29.9M | -$96.5M | -$57.9M | -$470M | $310M | $75.7M | $107M |
| Net margin | 1.2% | 1.6% | 0.0% | -3.6% | -11.4% | -25.3% | -212.0% | 117.2% | 25.5% | 31.8% |
| EPS (diluted) | $0.26 | $0.27 | $0.01 | -$0.70 | -$2.25 | -$1.35 | -$10.91 | $6.98 | $1.54 | $2.15 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $65.7M | $35.5M | $25.8M | $149M | -$10.5M | -$295M | -$173M | -$136M | $244M | $71.0M |
| Capital expenditures | $3.15M | $5.24M | $4.07M | $21.9M | $10.8M | $5.27M | $3.05M | $196K | $22.0K | $155K |
| Free cash flow | $62.6M | $30.3M | $21.7M | $127M | -$21.3M | -$301M | -$176M | -$136M | $243M | $70.9M |
| Dividends paid | $4.97M | $8.99M | $10.3M | $10.3M | $10.3M | $10.3M | $2.59M | $0.00 | $24.1M | $0.00 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $151M | $230M | $113M | $215M | $239M | $212M | $230M | $172M | $137M | $199M |
| Total assets | $1000M | $2.06B | $2.32B | $2.47B | $2.85B | $2.70B | $2.84B | $1.06B | $1.22B | $1.07B |
| Total liabilities | $758M | $1.52B | $1.78B | $1.94B | $2.43B | $2.37B | $3.02B | $894M | $980M | $755M |
| Long-term debt | $54.2M | $165M | $163M | $162M | $160M | $159M | $150M | $150M | $150M | $150M |
| Shareholders' equity | $241M | $537M | $520M | $503M | $396M | $312M | -$182M | $169M | $236M | $318M |
| Retained earnings | $142M | $141M | $141M | $100M | -$6.63M | -$74.9M | -$546M | -$237M | -$185M | -$115M |
| Shares (wtd avg diluted) | 21.6M | 37.4M | 42.8M | 42.8M | 42.9M | 42.9M | 43.1M | 44.4M | 49.4M | 49.8M |
Every figure is extracted from AMERICAN COASTAL INSURANCE Corp’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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