Symbols

HCI

HCI Group·NYSE

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HCI fundamentals

HCI Q4 2025 Earnings

HCI Group (HCI) released its earnings on Feb 25, 2026: revenue was 246.24M (YoY +52.12%), beat estimates; EPS was 7.25 (YoY +2238.71%), beat estimates.

Revenue / YoY

246.24M

+52.12%

EPS / YoY

7.25

+2238.71%

Report date

Feb 25, 2026

HCI Earnings Call Summary for Q4,2025

Record Financial Performance: Q4 pretax income of $144 million, 12% YoY premium growth, and a normalized combined ratio below 60% highlight HCI's operational excellence.
Strategic Growth Drivers: Policy assumptions from Citizens ($175M in-force premiums) and Exzeo's AI platform position HCI for 2026 growth.
Shareholder Returns: $80 million buyback program and 35%+ ROE underscore management's confidence in HCI's undervalued shares.
Market Resilience: Stable pricing, softening reinsurance rates, and disciplined underwriting mitigate catastrophe risks, with loss ratios improving to 17.5%.

Earnings

EPS

Revenue

Revenue & Expenses

Key Indicators

HCI Group (HCI) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

HCI Group (HCI)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

HCI Group (HCI)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Cash Flow

HCI Group (HCI)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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