Discounted Cash Flow
American Coastal Insurance Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $487.1m | $5.7m | $5.7m | 1.2% | $0.27 |
| 2017 | $654.4m (34.3%) | $10.1m (78.0%) | $9.1m (59.2%) | 1.6% (32.5%) | $0.27 (0.0%) |
| 2018 | $723.9m (10.6%) | $290.0k (-97.1%) | $6.0m (-33.3%) | 0.0% (-97.4%) | $0.01 (-96.3%) |
| 2019 | $825.1m (14.0%) | $-29.9m (-10400.7%) | $127.1m (2001.1%) | -3.6% (-9137.6%) | $-0.70 (-7100.0%) |
| 2020 | $846.7m (2.6%) | $-96.5m (-222.9%) | $-21.3m (-116.8%) | -11.4% (-214.7%) | $-2.25 (-221.4%) |
| 2021 | $634.5m (-25.1%) | $-57.9m (40.0%) | $-300.7m (-1310.3%) | -9.1% (19.9%) | $-1.35 (40.0%) |
| 2022 | $455.4m (-28.2%) | $-469.9m (-711.2%) | $-176.2m (41.4%) | -103.2% (-1030.3%) | $-10.91 (-708.1%) |
| 2023 | $286.5m (-37.1%) | $309.9m (166.0%) | $-136.2m (22.7%) | 108.2% (204.8%) | $7.11 (165.2%) |
| 2024 | $296.7m (3.5%) | $75.7m (-75.6%) | $243.5m (278.8%) | 25.5% (-76.4%) | $1.59 (-77.6%) |
| 2025 | $335.4m (13.1%) | $106.8m (41.1%) | $70.9m (-70.9%) | 31.8% (24.8%) | $2.20 (38.4%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.