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American Coastal Insurance cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$64.4M in Q3 2026 · $68.9M over twelve months

Operating cash flow$64.6M
Capital spending−$197K
Free cash flow+$64.4M
Cash / net income3.3×

Analysis

In Q3 2026, American Coastal Insurance generated $64.6M of operating cash flow and spent $197K on capital projects, leaving free cash flow of $64.4M. That is $100M more than in Q3 2025 (−$35.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $69.6M; the largest uses were dividends ($36.6M), other financing ($19.4M), taxes on employees’ shares ($3.5M); besides operations, cash came from other investing ($22.3M), shares issued ($85K); the cash balance rose by $31.8M.

Operating cash flow was $64.6M against net income of $19.4M — 3.3× profit, cash ran ahead of reported earnings. The largest differences: payables +$16.3M, stock-based pay +$1.2M, depreciation & amortization +$769K.

Free cash flow

American Coastal Insurance: free cash flow by quarterAmerican Coastal Insurance: free cash flow by quarter$1.6MQ4 2024$26.3MQ1 2025$128MQ2 2025−$35.6MQ3 2025−$47.8MQ4 2025−$5.9MQ1 2026$58.3MQ2 2026$64.4MQ3 2026
Operating cash flow less capital spending.
American Coastal Insurance: operating cash flow against capital spendingAmerican Coastal Insurance: operating cash flow against capital spendingOperating cash flowCapital spending$1.6M$11KQ4 2024$26.4M$96KQ1 2025$128M$0Q2 2025−$35.6M$0Q3 2025−$47.8M$59KQ4 2025−$5.7M$136KQ1 2026$58.5M$235KQ2 2026$64.6M$197KQ3 2026
Latest (Q3 2026): Operating cash flow $64.6M, Capital spending $197K.

Capital allocation, year by year

American Coastal Insurance: where the cash came from (up) and went (down), by fiscal yearAmerican Coastal Insurance: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingDividendsFY2021: Operating cash flow −$295MFY2021: Net borrowing −$1.9MFY2021: Capital spending −$5.3MFY2021: Dividends −$10.3MFY2021FY2022: Operating cash flow −$173MFY2022: Net borrowing −$4.4MFY2022: Asset sales $21.2MFY2022: Capital spending −$3.0MFY2022: Dividends −$2.6M$21.2MFY2022FY2023: Operating cash flow −$136MFY2023: Shares issued $26.8MFY2023: Asset sales $629KFY2023: Capital spending −$196K$27.4MFY2023FY2024: Operating cash flow $244MFY2024: Net borrowing −$95KFY2024: Shares issued $11.6MFY2024: Capital spending −$22KFY2024: Dividends −$24.1M$255MFY2024FY2025: Operating cash flow $71.0MFY2025: Shares issued $774KFY2025: Capital spending −$155K$71.8MFY2025
Over these 5 years operating cash flow totalled −$290M; the largest uses were operating cash flow ($605M) and dividends ($37.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$295M
Debt$150M
Net cash$145M

American Coastal Insurance funds itself: free cash flow was $68.9M over the last twelve months, and $295M of cash and investments stands against $150M of debt.

Where the cash came from and went

American Coastal Insurance: sources (+) and uses (−) of cash, Q3 2026American Coastal Insurance: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$73.7MOperating cash flow$64.6MOther investing$10.9MTaxes on employees’ shares−$1.6MCapital spending−$197KShares issued$85K
American Coastal Insurance: sources (+) and uses (−) of cash, TTM to Q3 2026American Coastal Insurance: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$69.6MDividends−$36.6MCash drawn (+) / kept (−)−$31.8MOther investing$22.3MOther financing−$19.4MTaxes on employees’ shares−$3.5MCapital spending−$627KShares issued$85K

From profit to cash

American Coastal Insurance: net income to operating cash flow, Q3 2026American Coastal Insurance: net income to operating cash flow, Q3 2026Net income$19.4MDepreciation & amortization$769KStock-based pay$1.2MGains on investments$4KGains on disposals$81KPayables$16.3MPrepaid and other assets$290KOther liabilities−$8KOperating cash flow$64.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$64.6M−$197K—$85K−$73.7M$64.4M
Q2 2026$58.5M−$235K——−$78.3M$58.3M
Q1 2026−$5.7M−$136K−$36.6M—$53.9M−$5.9M
Q4 2025−$47.8M−$59K——$66.3M−$47.8M
Q3 2025−$35.6M———$48.1M−$35.6M
Q2 2025$128M——$465K−$153M$128M
Q1 2025$26.4M−$96K—$309K−$32.0M$26.3M
Q4 2024$1.6M−$11K——$40.2M$1.6M

American Coastal Insurance: income statement and cash flow

American Coastal Insurance, Q3 2026: revenue $70.7M (-22% year over year), operating margin 36.8%. The chart follows the revenue to costs, profit and cash.

American Coastal Insurance: 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.