HCI
HCI Group, Inc.184.25
-2.67-1.43%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
2.39BP/E (TTM)
11.68Basic EPS (TTM)
15.77Dividend Yield
0.01%Recent Filings
10-K
FY2025 10-K excerpt
HCI Group's 10-K filing for the fiscal year ended December 31, 2025, contains no financial statements, quarterly breakdowns, or MD&A results within the provided excerpt. Key metrics like revenue, net income, EPS, segment performance, or Q4 momentum not disclosed here. Liquidity, capital allocation, and outlook absent. No numbers to analyze. Catastrophe losses remain a key risk from Risk Factors, potentially disrupting quarterly results.
8-K
HCI smashes Q4 earnings
HCI Group crushed Q4 2025 with $144M pre-tax income and $7.25 diluted EPS, soaring from $6M and $0.23 a year ago, thanks to $332M gross premiums earned and a stellar 15.6% gross loss ratio absent hurricane hits. Full-year pre-tax income hit $429M with $22.72 EPS, fueled by policy growth while slashing losses from 2024 storms. Exzeo IPO succeeded; buybacks loom. Reserves estimation remains imprecise.
8-K
Exzeo locks in CEO Patel
HCI Group's majority-owned Exzeo signed an executive employment agreement with CEO Paresh Patel, effective January 1, 2026, securing his long-term leadership with a $950,000 base salary and board-determined bonuses. Exzeo awarded Patel a $3.75M cash bonus payable by year-end. He launched a 10b5-1 plan to buy up to 100,000 Exzeo shares or $2M. Locks in key exec amid dual CEO roles.
8-K
Exec bonuses and raises awarded
HCI Group's compensation committee awarded hefty cash bonuses totaling over $4.35 million and raised base salaries effective January 1, 2026, for its top executives, rewarding 2025 strategic progress. CEO Paresh Patel snags $3.2 million bonus and $950,000 salary. Executives get restricted stock too. Bonuses pay out by year-end.
10-Q
Q3 FY2025 results
HCI Group crushed Q3 with net premiums earned up 25% y/y to $195M, driving $91M pre-tax income—ninefold from last year—while losses plunged 37% y/y to $66M on zero catastrophes versus Helene/Debby hits, yielding a stellar 63.9% combined ratio. Cash swelled to $988M on $334M operating cash flow, bolstered by $333M YTD FCF (derived); debt slashed to $70M post-convertible note swap, revolver with $37M availability. Florida premiums dominated at 90%. Catastrophe exposure looms large.
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