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Atlantic American cash flow, quarter by quarter

Latest: Q4 2025 · from the cash-flow statements filed with the SEC

Free cash flow$17.7M in Q4 2025

Operating cash flow$17.7M
Capital spending−$1K
Free cash flow+$17.7M
Cash / net income13.4×

Analysis

In Q4 2025, Atlantic American generated $17.7M of operating cash flow and spent $1K on capital projects, leaving free cash flow of $17.7M. That is $8.2M more than in Q4 2024 ($9.5M).

Operating cash flow was $17.7M against net income of $1.3M — 13.4× profit, cash ran ahead of reported earnings. The largest differences: receivables +$7.0M, payables +$2.7M, deferred taxes −$869K.

Free cash flow

Atlantic American: free cash flow by quarterAtlantic American: free cash flow by quarter−$5.4MQ1 2024$361KQ2 2024$58KQ3 2024$9.5MQ4 2024−$986KQ1 2025$9.1MQ2 2025$6.6MQ3 2025$17.7MQ4 2025
Operating cash flow less capital spending.
Atlantic American: operating cash flow against capital spendingAtlantic American: operating cash flow against capital spendingOperating cash flowCapital spending−$5.3M$39KQ1 2024$416K$55KQ2 2024$90K$32KQ3 2024$9.6M$99KQ4 2024−$722K$264KQ1 2025$9.3M$170KQ2 2025$6.6M$31KQ3 2025$17.7M$1KQ4 2025
Latest (Q4 2025): Operating cash flow $17.7M, Capital spending $1K.

Capital allocation, year by year

Atlantic American: where the cash came from (up) and went (down), by fiscal yearAtlantic American: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingDividendsFY2021: Operating cash flow $1.1MFY2021: Shares issued $6KFY2021: Capital spending −$107KFY2021: Dividends −$408K$1.1MFY2021FY2022: Operating cash flow $6.5MFY2022: Net borrowing $2.0MFY2022: Capital spending −$126KFY2022: Dividends −$408K$8.5MFY2022FY2023: Operating cash flow $2.6MFY2023: Net borrowing $1.0MFY2023: Capital spending −$80KFY2023: Dividends −$408K$3.6MFY2023FY2024: Operating cash flow $4.8MFY2024: Net borrowing $1.0MFY2024: Capital spending −$225KFY2024: Dividends −$408K$5.8MFY2024FY2025: Operating cash flow $32.9MFY2025: Net borrowing $1.0MFY2025: Capital spending −$466KFY2025: Dividends −$408K$33.9MFY2025
Over these 5 years operating cash flow totalled $47.8M; the largest uses were dividends ($2.0M) and capital spending ($1.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$43.6M
Debtnone
Net cash$43.6M

Atlantic American funds itself: free cash flow was — over the last twelve months, with $43.6M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Atlantic American: sources (+) and uses (−) of cash, Q4 2025Atlantic American: sources (+) and uses (−) of cash, Q4 2025Operating cash flow$17.7MCash drawn (+) / kept (−)−$9.2MOther investing−$9.1MNet borrowing (+) / repaid (−)$1.0MOther financing−$399KCapital spending−$1KDividends−$1K

From profit to cash

Atlantic American: net income to operating cash flow, Q4 2025Atlantic American: net income to operating cash flow, Q4 2025Net income$1.3MDepreciation & amortization$161KDeferred taxes−$869KReceivables$7.0MPayables$2.7MPrepaid and other assets−$647KOperating cash flow$17.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q4 2025$17.7M−$1K−$1K$1.0M−$9.2M$17.7M
Q3 2025$6.6M−$31K——$12.0M$6.6M
Q2 2025$9.3M−$170K——−$10.5M$9.1M
Q1 2025−$722K−$264K——−$333K−$986K
Q4 2024$9.6M−$99K−$1K—−$12.5M$9.5M
Q3 2024$90K−$32K——−$1.8M$58K
Q2 2024$416K−$55K——−$24K$361K
Q1 2024−$5.3M−$39K—$1.0M$7.1M−$5.4M

Atlantic American: income statement and cash flow

Atlantic American, Q4 2025: revenue $51.3M (+5% year over year), operating margin 3.3%. The chart follows the revenue to costs, profit and cash.

Atlantic American: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.