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HCI Group HCI

US equityMarket cap rank #2681
$185.91 +$1.66 (+0.90%)
Pre-market · Oct 6, 5:40 am ET · After hours $185.91 0.00%
Open$184.33
Prev close$184.25
Day range$184.28 – $187.70
Volume139.2K
Market cap$2.31B
P/E (TTM)8.0
Dividend yield0.86%

Fundamentals

Latest reported quarter: Q2, ended Jun 2026

Revenue$246.73M+11.2% YoY
Net profit$82.90M+18.0% YoY
Diluted EPS$5.60+8.1% YoY

Revenue, last 8 quarters

$175.2MSep '24$161.4MDec '24$217.1MMar '25$222.0MJun '25$216.4MSep '25$246.4MDec '25$243.2MMar '26$246.7MJun '26

Net profit, last 8 quarters

$9.4MSep '24$4.1MDec '24$74.2MMar '25$70.3MJun '25$67.9MSep '25$108.0MDec '25$85.0MMar '26$82.9MJun '26

Diluted EPS by quarter

0.52Sep '240.23Dec '245.35Mar '255.18Jun '254.90Sep '257.25Dec '255.45Mar '265.60Jun '26

Annual revenue

$275.7MFY20$402.6MFY21$492.0MFY22$550.0MFY23$749.5MFY24$901.8MFY25

Profitability & balance sheet

Net margin31.8%
Return on equity38.4%
Return on assets12.1%
Free cash flow / sales48.9%

Where the revenue comes from

Quarter 2026/Q2

By business line

  • Insurance Operations$216.70M 68.8%
  • Exzeo$60.75M 19.3%
  • Reciprocal Exchange Operations$25.36M 8.1%
  • Corporate/other$7.54M 2.4%
  • Real estate$4.57M 1.5%

Income statement

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Total Revenue as Reported $246.65M $242.88M $900.95M $246.24M $216.35M
Total Operating Revenue $246.73M $243.21M $901.77M $246.35M $216.40M
Total Premiums Earned $219.01M $222.15M $821.67M $225.82M $194.99M
-Net Premiums Written $280.53M $176.64M $880.29M $227.57M $209.08M
-Increase Decrease in Net Unearned Premium Reserves -$61.52M $45.51M -$58.63M -$1.75M -$14.09M
Fee Revenue and Other Income $6.79M $4.59M $10.99M $2.29M $2.00M
-Fees and Commissions $1.65M $1.58M $6.86M $1.59M $1.57M
-Other Income Expense $5.14M $3.02M $4.14M $695,000.00 $429,000.00
Net Investment Income $19.71M $15.93M $66.35M $17.43M $18.79M
Net Realized Gain/Loss on Investments $1.22M $534,000.00 $2.75M $813,000.00 $618,000.00
Total Expenses $135.76M $127.82M $472.44M $102.35M $125.80M
Loss Adjustment Expense $71.08M $65.60M $241.83M $51.93M $66.15M
Policy Acquisition Expense $32.35M $31.77M $122.43M $32.94M $31.65M
Selling and Admin Expenses $23.95M $22.35M $72.13M $10.85M $20.81M
-General & Admin Expense $23.95M $22.35M $72.13M $10.85M $20.81M
Net Non-Operating Interest Income (Expense) -$1.08M -$923,000.00 -$9.16M -$1.01M -$1.02M
-Interest Expense Non-Operating $1.08M $923,000.00 $9.16M $1.01M $1.02M
Income from Associates and Other Participating Interests -$75,000.00 -$324,000.00 -$820,000.00 -$111,000.00 -$51,000.00
Other Operating Expenses $7.23M $6.85M $26.08M $5.52M $6.12M
Pretax Profit $110.97M $115.38M $429.33M $144.00M $90.60M
Tax $28.07M $30.34M $108.94M $36.00M $22.71M
Net Profit $82.90M $85.04M $320.40M $108.00M $67.89M
Profit from Continuing Operations $82.90M $85.04M $320.40M $108.00M $67.89M
Minority Interests $9.10M $11.64M $21.39M $10.34M $2.38M
Net Income to Parent Company $73.80M $73.41M $299.01M $97.65M $65.51M
Other Preferred Stock Dividends $2.93M $3.26M $12.04M $4.01M $2.39M
Net Income to Common Stockholders $70.87M $70.15M $286.96M $93.64M $63.12M
Basic EPS $5.78 $5.62 $24.58 $7.50 $5.05
Diluted EPS $5.60 $5.45 $22.72 $7.25 $4.90
Dividend Per Share $0.40 $0.40 $1.60 $0.40 $0.40

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