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HCI Group (HCI) Financials

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$184.61 -4.08 (-2.16%)
As of 03:57 PM Eastern
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Annual Income Statements for HCI Group

Annual Income Statements for HCI Group

This table shows HCI Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 66 29 -6.89 18 27 28 1.86 -59 79 110 299
Consolidated Net Income / (Loss)		 66 29 -6.89 18 27 28 7.24 -55 89 128 320
Net Income / (Loss) Continuing Operations		 66 29 -6.89 18 27 28 7.24 -55 89 128 320
Total Pre-Tax Income 		106 47 -16 27 36 37 11 -68 118 173 429
Total Revenue		 286 264 228 213 242 310 408 492 551 750 901
Net Interest Income / (Expense)		 0.00 0.00 -17 -18 0.00 0.00 0.00 -7.77 0.00 0.00 0.00
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 17 18 0.00 0.00 0.00 7.77 0.00 0.00 0.00
Total Non-Interest Income		 286 264 245 231 242 310 408 500 551 750 901
Other Service Charges		 4.76 5.38 5.38 5.39 5.11 5.38 10 8.77 7.33 7.31 11
Net Realized & Unrealized Capital Gains on Investments		 -1.31 15 15 12 21 42 20 27 47 65 68
Premiums Earned		 283 244 225 213 216 262 377 464 496 678 822
Total Non-Interest Expense		 180 218 244 186 206 273 397 560 433 577 472
Property & Liability Insurance Claims		 87 125 166 109 108 160 228 371 255 375 242
Insurance Policy Acquisition Costs		 42 43 40 39 42 54 94 105 91 99 122
Other Operating Expenses		 40 39 13 38 43 48 69 81 77 89 98
Other Special Charges		 11 11 - - 13 12 6.40 - 11 13 9.16
Income Tax Expense		 40 18 -8.73 9.18 9.52 9.35 3.99 -14 28 46 109
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - - 0.00 0.00 5.39 3.91 10 18 21
Basic Earnings per Share		 $6.51 $2.95 ($0.75) $2.34 $3.32 $3.55 $0.23 ($6.24) $9.13 $10.59 $24.58
Weighted Average Basic Shares Outstanding		 9.60M 9.33M 9.20M 7.60M 8M 8.62M 10.32M 8.60M 9.98M 10.77M 12.99M
Diluted Earnings per Share		 $5.90 $2.92 ($0.75) $2.34 $3.31 $3.49 $0.21 ($6.24) $7.62 $8.89 $22.72
Weighted Average Diluted Shares Outstanding		 9.60M 9.33M 9.20M 7.60M 8M 8.62M 10.32M 8.60M 9.98M 10.77M 12.99M
Weighted Average Basic & Diluted Shares Outstanding		 9.60M 9.33M 9.20M 7.60M 8M 8.62M 10.32M 8.60M 9.98M 10.77M 12.99M
Cash Dividends to Common per Share		 $1.20 $1.20 $1.40 $1.48 $1.60 $1.60 $1.60 $1.60 $1.60 $1.60 $1.60

Quarterly Income Statements for HCI Group

This table shows HCI Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 38 48 54 5.68 2.58 70 66 66 98 73 74
Consolidated Net Income / (Loss)		 41 57 57 9.39 4.13 74 70 68 108 85 83
Net Income / (Loss) Continuing Operations		 41 57 57 9.39 4.13 74 70 68 108 85 83
Total Pre-Tax Income 		54 77 76 14 5.89 100 94 91 144 115 111
Total Revenue		 154 203 206 175 165 216 222 215 251 243 247
Net Interest Income / (Expense)		 -8.45 -3.15 0.00 0.00 3.45 0.00 0.00 -1.02 4.40 0.00 0.00
Total Interest Income		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Interest Expense		 8.45 3.15 0.00 0.00 -3.45 0.00 0.00 1.02 -4.40 0.00 0.00
Total Non-Interest Income		 163 207 206 175 162 216 222 216 246 243 247
Other Service Charges		 1.30 1.37 1.77 2.28 1.89 2.67 4.03 2.00 2.29 4.59 6.79
Net Realized & Unrealized Capital Gains on Investments		 13 17 18 17 14 13 18 19 18 16 21
Premiums Earned		 149 189 187 156 146 201 200 195 226 222 219
Total Non-Interest Expense		 100 126 130 161 159 116 128 125 107 127 136
Property & Liability Insurance Claims		 65 80 78 106 111 59 64 66 52 66 71
Insurance Policy Acquisition Costs		 23 22 23 26 28 27 31 32 33 32 32
Other Operating Expenses		 18 24 25 26 14 26 29 27 16 29 31
Other Special Charges		 - - 3.45 3.42 - 3.38 3.74 - - 0.92 1.08
Income Tax Expense		 13 20 19 4.69 1.76 26 24 23 36 30 28
Net Income / (Loss) Attributable to Noncontrolling Interest		 2.82 9.35 3.02 3.71 1.55 4.55 4.12 2.38 10 12 9.10
Basic Earnings per Share		 $4.37 $4.76 $5.18 $0.54 $0.11 $6.47 $5.57 $5.05 $7.49 $5.62 $5.78
Weighted Average Basic Shares Outstanding		 9.98M 10.48M 10.47M 10.54M 10.77M 11.55M 12.96M 12.96M 12.99M 12.76M 12.44M
Diluted Earnings per Share		 $3.46 $3.81 $4.24 $0.52 $0.32 $5.35 $5.18 $4.90 $7.29 $5.45 $5.60
Weighted Average Diluted Shares Outstanding		 9.98M 10.48M 10.47M 10.54M 10.77M 11.55M 12.96M 12.96M 12.99M 12.76M 12.44M
Weighted Average Basic & Diluted Shares Outstanding		 9.98M 10.48M 10.47M 10.54M 10.77M 11.55M 12.96M 12.96M 12.99M 12.76M 12.44M

Annual Cash Flow Statements for HCI Group

This table details how cash moves in and out of HCI Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -47 13 -24 -17 -10 204 198 -394 302 -3.58 678
Net Cash From Operating Activities		 45 88 17 29 54 77 97 -0.01 231 332 444
Net Cash From Continuing Operating Activities		 45 88 17 29 75 105 98 -59 229 335 447
Net Income / (Loss) Continuing Operations		 66 29 -6.89 18 53 55 9.10 -113 79 110 299
Consolidated Net Income / (Loss)		 66 29 -6.89 18 53 55 9.10 -113 79 110 299
Depreciation Expense		 5.25 5.41 9.59 11 8.94 8.75 5.55 8.01 8.18 4.30 11
Amortization Expense		 0.86 0.73 1.25 0.76 0.05 -0.10 0.17 -0.96 -4.50 -3.41 -2.46
Non-Cash Adjustments to Reconcile Net Income		 14 -2.38 -3.58 6.76 4.10 -19 7.29 -1.95 6.99 29 32
Changes in Operating Assets and Liabilities, net		 -40 55 16 -7.65 8.93 60 76 49 139 196 107
Net Cash From Investing Activities		 -80 -49 -80 -18 50 143 37 -435 4.27 -260 87
Net Cash From Continuing Investing Activities		 -80 -49 -80 -18 37 143 37 -435 4.27 -260 87
Purchase of Property, Leasehold Improvements and Equipment		 -0.84 -0.87 -2.34 -2.19 -2.89 -6.44 -3.32 -6.34 -6.50 -4.05 -3.63
Purchase of Investment Securities		 -161 -127 -182 -382 -96 -111 -128 -644 -377 -854 -584
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - 0.00 0.00 0.01 0.00
Sale and/or Maturity of Investments		 89 78 104 367 137 216 168 202 388 598 675
Net Cash From Financing Activities		 -12 -26 39 -27 -115 -17 64 41 67 -75 146
Net Cash From Continuing Financing Activities		 -12 -26 39 -27 -115 -17 64 41 67 -75 -10
Issuance of Debt		 - 19 144 6.00 9.75 10 0.00 173 12 0.00 17
Issuance of Common Equity		 - - - - - - 0.00 0.00 85 0.00 0.00
Repayment of Debt		 - -0.79 -45 -1.23 -92 -7.67 -12 -22 -7.84 43 -9.18
Repurchase of Common Equity		 -2.40 -20 -46 -21 -20 -6.71 -1.31 -88 -0.78 -1.04 -1.52
Payment of Dividends		 -12 -12 -13 -10 -13 -12 -16 -21 -20 -20 -19
Other Financing Activities, Net		 2.56 -13 -0.90 -0.54 0.06 0.06 94 -0.41 -0.35 -98 2.99
Effect of Exchange Rate Changes		 -0.06 0.00 0.06 -0.16 -0.02 0.00 -0.05 -0.10 -0.04 -0.11 -0.23
Cash Interest Paid		 7.21 7.22 8.91 11 9.39 7.48 7.11 6.16 9.25 13 5.68
Cash Income Taxes Paid		 38 19 12 3.66 7.71 6.20 2.38 0.15 19 46 104

Quarterly Cash Flow Statements for HCI Group

This table details how cash moves in and out of HCI Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 213 119 -210 73 14 222 193 41 222 -196 -141
Net Cash From Operating Activities		 153 182 -29 104 75 162 145 27 111 149 125
Net Cash From Continuing Operating Activities		 193 195 25 64 94 162 211 92 -88 149 125
Net Income / (Loss) Continuing Operations		 79 105 111 15 6.72 74 136 133 -115 85 83
Consolidated Net Income / (Loss)		 79 105 111 15 6.72 74 136 133 -115 85 83
Depreciation Expense		 1.98 1.00 -1.05 2.16 2.19 2.49 4.54 2.32 2.34 2.24 2.05
Amortization Expense		 -1.17 -2.15 -0.29 0.70 -1.68 -0.34 -1.53 -0.53 -0.54 -0.10 -0.40
Non-Cash Adjustments to Reconcile Net Income		 -3.26 4.34 1.74 -10 15 2.68 1.33 4.77 22 4.97 3.50
Changes in Operating Assets and Liabilities, net		 116 88 -87 56 72 83 71 -48 2.77 57 37
Net Cash From Investing Activities		 -21 -4.87 -175 -26 -55 66 54 2.80 -36 -325 -175
Net Cash From Continuing Investing Activities		 -21 -4.87 -175 -26 -55 66 54 2.80 -36 -325 -175
Purchase of Property, Leasehold Improvements and Equipment		 -1.32 -0.95 -1.09 -0.95 -1.06 -1.73 -0.52 -0.79 -0.59 -0.34 -0.29
Purchase of Investment Securities		 -92 -186 -332 -227 -110 -26 -143 -183 -232 -345 -204
Sale and/or Maturity of Investments		 72 182 158 202 56 94 197 186 197 20 29
Net Cash From Financing Activities		 81 -58 -5.98 -5.53 -5.47 -6.25 -6.02 11 147 -20 -91
Net Cash From Continuing Financing Activities		 81 -58 -5.98 -50 36 -6.25 -6.02 11 -9.16 -20 -70
Repayment of Debt		 7.23 50 47 -47 43 -2.13 2.13 -7.93 -1.25 -0.22 -0.22
Repurchase of Common Equity		 - -0.56 -0.48 - - 0.00 -0.05 -0.04 -0.80 -18 -57
Payment of Dividends		 -3.43 -6.92 -4.17 -1.27 -7.17 -4.31 -4.62 -5.18 -5.18 -5.20 -5.08
Other Financing Activities, Net		 -7.51 -100 1.40 -1.25 -0.00 0.19 0.51 3.57 -1.92 3.35 -7.30
Effect of Exchange Rate Changes		 -0.00 0.00 -0.02 -0.02 -0.08 -0.01 -0.03 -0.12 -0.07 -0.09 -0.09
Cash Interest Paid		 4.32 1.05 4.63 1.09 5.90 0.21 3.48 0.94 1.05 0.98 0.89
Cash Income Taxes Paid		 7.64 0.04 38 16 0.05 0.07 38 24 43 0.05 53

Annual Balance Sheets for HCI Group

This table presents HCI Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 637 670 842 833 803 941 1,177 1,803 1,811 2,230 2,529
Cash and Due from Banks		 268 281 256 239 229 431 629 235 536 532 1,210
Restricted Cash		 - - 0.81 0.70 0.70 2.40 2.40 2.90 3.29 3.71 3.75
Trading Account Securities		 173 219 297 224 238 123 94 518 520 775 663
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 1.39 1.65 1.98 1.79 1.62 0.59 0.35 1.95 3.51 - 0.00
Premises and Equipment, Net		 12 11 12 13 15 13 14 18 29 30 29
Unearned Premiums Asset		 60 42 40 35 38 105 95 102 144 143 108
Deferred Acquisition Cost		 19 17 17 17 22 44 58 46 43 54 60
Intangible Assets		 - 4.90 5.00 4.80 4.19 3.57 11 11 7.66 5.21 2.68
Other Assets		 104 94 212 298 254 219 274 869 524 688 453
Total Liabilities & Shareholders' Equity		 637 670 842 833 803 941 1,177 1,803 1,811 2,230 2,529
Total Liabilities		 399 426 648 651 617 740 762 1,549 1,388 1,761 1,414
Non-Interest Bearing Deposits		 4.98 4.65 4.95 6.19 5.59 11 14 19 16 19 19
Short-Term Debt		 - - - - 9.75 24 15 - 0.00 44 36
Long-Term Debt		 129 139 238 250 164 157 46 212 208 185 32
Claims and Claim Expense		 52 70 199 208 215 212 237 864 585 846 576
Unearned Premiums Liability		 187 176 165 158 181 279 386 386 510 603 671
Other Long-Term Liabilities		 26 37 42 30 42 57 65 69 68 64 80
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 - - - - - 0.00 90 94 96 1.69 3.36
Total Equity & Noncontrolling Interests		 238 244 194 181 186 201 325 161 327 467 1,111
Total Preferred & Common Equity		 238 244 194 181 186 201 323 163 325 453 1,041
Total Common Equity		 238 244 194 181 186 201 323 163 325 453 1,041
Common Stock		 24 8.14 0.00 0.00 0.00 0.00 76 0.00 90 122 428
Retained Earnings		 216 233 189 183 183 200 247 172 238 332 612
Accumulated Other Comprehensive Income / (Loss)		 -1.79 2.64 4.57 -1.45 2.18 1.54 0.50 -9.89 -3.16 -0.75 1.46
Noncontrolling Interest		 - - - - - 0.00 1.14 -1.34 2.32 14 70

Quarterly Balance Sheets for HCI Group

This table presents HCI Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 1,771 1,727 1,724 1,842 1,911 1,987 2,307 2,353 2,347 2,611 2,648
Cash and Due from Banks		 302 294 324 655 446 519 754 947 988 1,014 872
Restricted Cash		 2.99 2.99 2.99 3.30 3.30 3.31 3.72 3.73 3.74 3.76 4.38
Trading Account Securities		 562 483 512 523 695 725 708 651 627 980 1,150
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 2.53 2.29 3.89 4.05 7.07 6.38 7.65 6.31 7.57 0.00 0.00
Premises and Equipment, Net		 27 27 29 29 29 29 30 30 29 28 28
Unearned Premiums Asset		 72 155 139 77 190 164 93 66 136 81 78
Deferred Acquisition Cost		 47 45 45 45 53 56 56 65 67 60 68
Intangible Assets		 7.69 7.07 8.27 7.05 6.43 5.82 4.57 3.93 3.29 2.23 1.92
Other Assets		 748 711 660 497 482 478 649 580 485 442 446
Total Liabilities & Shareholders' Equity		 1,771 1,727 1,724 1,842 1,911 1,987 2,307 2,353 2,347 2,611 2,648
Total Liabilities		 1,498 1,443 1,429 1,444 1,457 1,519 1,762 1,566 1,491 1,433 1,469
Non-Interest Bearing Deposits		 26 27 32 27 24 38 38 44 43 48 44
Short-Term Debt		 - - - 50 48 46 42 40 38 36 36
Long-Term Debt		 196 208 208 185 185 185 185 16 32 32 31
Claims and Claim Expense		 806 749 709 579 572 612 798 697 616 567 559
Unearned Premiums Liability		 402 391 396 510 551 555 593 666 645 624 694
Other Long-Term Liabilities		 68 68 83 94 78 83 106 104 117 127 104
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 93 95 94 0.00 0.79 1.49 1.64 2.41 3.22 4.21 5.93
Total Equity & Noncontrolling Interests		 180 189 201 398 453 467 543 785 852 1,173 1,173
Total Preferred & Common Equity		 180 188 200 396 447 455 523 759 822 1,089 1,080
Total Common Equity		 180 188 200 396 447 455 523 759 822 1,089 1,080
Common Stock		 0.33 1.06 2.17 117 118 120 124 299 301 414 341
Retained Earnings		 185 194 204 282 332 333 397 459 519 680 748
Accumulated Other Comprehensive Income / (Loss)		 -5.10 -6.72 -6.00 -3.10 -2.58 1.92 1.34 1.16 2.04 -4.54 -9.38
Noncontrolling Interest		 -0.41 0.26 1.12 2.19 5.89 11 20 26 31 84 93

Annual Metrics And Ratios for HCI Group

This table displays calculated financial ratios and metrics derived from HCI Group's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $6.51 $2.95 ($0.75) $2.34 $3.32 $3.55 $0.23 ($6.24) $9.13 $10.59 $24.58
Adjusted Weighted Average Basic Shares Outstanding		 10.78M 10.28M 9.46M 8.59M 7.96M 8.62M 10.32M 8.60M 9.98M 10.77M 12.99M
Adjusted Diluted Earnings per Share		 $5.90 $2.92 ($0.75) $2.34 $3.31 $3.49 $0.21 ($6.24) $7.62 $8.89 $22.72
Adjusted Weighted Average Diluted Shares Outstanding		 10.78M 10.28M 9.46M 8.59M 7.96M 8.62M 10.32M 8.60M 9.98M 10.77M 12.99M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.32 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.78M 10.28M 9.46M 8.59M 7.96M 8.62M 10.32M 8.60M 9.98M 10.77M 12.99M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for HCI Group

This table displays calculated financial ratios and metrics derived from HCI Group's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 12,991,955.00 12,764,808.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 12,991,955.00 12,764,808.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 6.55 6.49
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 36.75% 60.13% 62.68% 33.18% 7.20% 4.71% 7.60% 22.82% - 12.22% 11.15%
EBITDA Growth		 987.60% 224.33% 232.85% -16.96% -88.36% 34.36% 30.42% 445.37% - 14.67% 15.61%
EBIT Growth		 1,874.48% 234.67% 275.14% -29.91% -89.12% 29.59% 24.16% 543.46% - 14.99% 17.57%
NOPAT Growth		 1,443.30% 220.10% 283.68% -40.06% -89.90% 30.33% 23.08% 622.83% - 14.57% 17.96%
Net Income Growth		 1,443.30% 220.10% 283.68% -40.06% -89.90% 30.33% 23.08% 622.83% - 14.57% 17.96%
EPS Growth		 835.14% 147.40% 231.25% -61.19% -90.75% 40.42% 22.17% 842.31% - 1.87% 8.11%
Operating Cash Flow Growth		 740.25% 83.63% 68.87% 45.91% -51.29% -10.98% 599.93% -74.39% - -8.14% -13.71%
Free Cash Flow Firm Growth		 -1,218.92% -610.14% -307.50% -1,532.93% 49.89% 39.17% 38.00% 15.08% - -498.13% -275.51%
Invested Capital Growth		 35.44% 34.92% 39.63% 38.96% 10.52% 22.00% 22.67% 32.38% - 61.36% 47.92%
Revenue Q/Q Growth		 17.15% 24.97% -1.85% -13.55% -5.70% 28.87% 4.16% -2.97% - -3.10% 1.55%
EBITDA Q/Q Growth		 169.51% 38.76% -2.09% -77.32% -62.23% 1,501.97% -4.96% -5.16% - -19.39% -4.18%
EBIT Q/Q Growth		 169.61% 42.97% -1.81% -81.48% -58.16% 1,603.26% -5.93% -4.02% - -19.87% -3.82%
NOPAT Q/Q Growth		 161.11% 39.21% 0.25% -83.55% -55.98% 1,695.60% -5.32% -3.40% - -21.26% -2.52%
Net Income Q/Q Growth		 161.11% 39.21% 0.25% -83.55% -55.98% 1,695.60% -5.32% -3.40% - -21.26% -2.52%
EPS Q/Q Growth		 158.21% 10.12% 11.29% -87.74% -38.46% 1,571.88% -3.18% -5.41% - -25.24% 2.75%
Operating Cash Flow Q/Q Growth		 114.83% 18.69% -115.94% 459.07% -28.28% 116.91% -10.50% -81.60% - 34.34% -15.92%
Free Cash Flow Firm Q/Q Growth		 -988.38% 14.17% -29.10% -35.40% 66.60% -4.20% -31.57% -85.47% - -3.27% 17.40%
Invested Capital Q/Q Growth		 25.56% 0.13% 8.59% 1.79% -0.14% 10.53% 9.19% 9.84% - 5.32% 0.09%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 35.65% 36.92% 36.83% 9.66% 3.87% 48.11% 43.89% 42.90% - 48.39% 45.66%
EBIT Margin		 35.12% 37.48% 37.49% 8.03% 3.56% 47.10% 42.53% 42.07% - 47.51% 44.99%
Profit (Net Income) Margin		 26.53% 27.57% 28.16% 5.36% 2.50% 34.84% 31.67% 31.53% - 35.01% 33.61%
Tax Burden Percent		 75.54% 73.56% 75.10% 66.70% 70.17% 73.98% 74.45% 74.93% - 73.70% 74.70%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00% 100.00%
Effective Tax Rate		 24.46% 26.44% 24.90% 33.30% 29.83% 26.02% 25.55% 25.07% - 26.30% 25.30%
Return on Invested Capital (ROIC)		 26.07% 31.45% 33.74% 6.68% 2.82% 37.69% 32.10% 31.64% - 32.20% 30.63%
ROIC Less NNEP Spread (ROIC-NNEP)		 26.07% 31.45% 33.74% 6.68% 2.82% 37.69% 32.10% 31.64% - 32.20% 30.63%
Return on Net Nonoperating Assets (RNNOA)		 16.15% 20.21% 20.17% 3.85% 1.38% 18.48% 7.46% 7.20% - 5.52% 1.92%
Return on Equity (ROE)		 42.22% 51.65% 53.91% 10.53% 4.20% 56.17% 39.57% 38.84% - 37.71% 32.55%
Cash Return on Invested Capital (CROIC)		 -13.85% -6.41% -4.13% -5.27% 9.19% 0.81% 0.30% -1.22% - -14.12% -5.74%
Operating Return on Assets (OROA)		 10.48% 13.03% 14.56% 3.25% 1.32% 17.25% 15.47% 15.83% - 17.92% 17.13%
Return on Assets (ROA)		 7.92% 9.59% 10.93% 2.17% 0.93% 12.76% 11.52% 11.86% - 13.21% 12.80%
Return on Common Equity (ROCE)		 30.34% 44.36% 46.45% 9.05% 3.67% 54.74% 38.44% 37.47% - 35.29% 30.44%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 32.46% 38.14% 36.10% 0.00% 27.71% 20.83% 26.35% - 30.41% 31.84%
Net Operating Profit after Tax (NOPAT)		 41 57 57 9.39 4.13 74 70 68 - 85 83
NOPAT Margin		 26.53% 27.57% 28.16% 5.36% 2.50% 34.84% 31.67% 31.53% - 35.01% 33.61%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Operating Expenses to Revenue		 64.88% 62.52% 62.51% 91.97% 96.44% 52.90% 57.47% 57.93% - 52.49% 55.01%
Earnings before Interest and Taxes (EBIT)		 54 77 76 14 5.89 100 94 91 - 115 111
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 55 76 75 17 6.40 102 97 92 - 118 113
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.27 2.90 2.15 2.46 2.70 3.07 2.32 3.03 - 1.84 2.07
Price to Tangible Book Value (P/TBV)		 2.32 2.96 2.18 2.49 2.73 3.10 2.33 3.04 - 1.85 2.08
Price to Revenue (P/Rev)		 1.36 1.83 1.36 1.49 1.63 2.12 2.27 3.05 - 2.17 2.35
Price to Earnings (P/E)		 9.32 10.32 6.29 7.71 11.13 12.17 12.20 12.20 - 6.64 7.21
Dividend Yield		 1.87% 1.39% 1.74% 1.49% 1.38% 1.07% 1.05% 0.83% - 1.03% 0.91%
Earnings Yield		 10.73% 9.69% 15.91% 12.97% 8.99% 8.22% 8.20% 8.20% - 15.07% 13.87%
Enterprise Value to Invested Capital (EV/IC)		 0.80 1.15 1.09 1.21 1.34 1.42 1.06 1.73 - 0.92 1.23
Enterprise Value to Revenue (EV/Rev)		 0.93 1.16 1.06 1.12 1.24 1.45 1.15 1.96 - 1.24 1.60
Enterprise Value to EBITDA (EV/EBITDA)		 4.15 4.18 3.32 3.78 5.35 5.47 3.99 5.36 - 2.53 3.26
Enterprise Value to EBIT (EV/EBIT)		 4.28 4.23 3.30 3.80 5.38 5.59 4.15 5.49 - 2.58 3.31
Enterprise Value to NOPAT (EV/NOPAT)		 5.64 5.66 4.41 5.13 7.31 7.58 5.64 7.39 - 3.46 4.44
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.18 2.32 1.99 2.05 2.81 3.52 1.83 3.92 - 2.66 3.71
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 15.26 193.65 388.99 0.00 - 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.49 0.59 0.51 0.49 0.49 0.42 0.07 0.08 - 0.06 0.06
Long-Term Debt to Equity		 0.49 0.46 0.41 0.40 0.40 0.34 0.02 0.04 - 0.03 0.03
Financial Leverage		 0.62 0.64 0.60 0.58 0.49 0.49 0.23 0.23 - 0.17 0.06
Leverage Ratio		 5.33 5.39 4.93 4.86 4.53 4.40 3.44 3.27 - 2.86 2.54
Compound Leverage Factor		 5.33 5.39 4.93 4.86 4.53 4.40 3.44 3.27 - 2.86 2.54
Debt to Total Capital		 33.00% 37.11% 33.91% 33.05% 32.83% 29.45% 6.60% 7.57% - 5.43% 5.41%
Short-Term Debt to Total Capital		 0.00% 7.90% 6.99% 6.58% 6.30% 5.44% 4.75% 4.11% - 2.89% 2.89%
Long-Term Debt to Total Capital		 33.00% 29.20% 26.92% 26.47% 26.53% 24.01% 1.85% 3.47% - 2.54% 2.52%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Noncontrolling Interests to Total Capital		 15.59% 0.35% 0.97% 1.83% 2.25% 2.82% 3.38% 3.65% - 7.12% 7.95%
Common Equity to Total Capital		 51.41% 62.55% 65.12% 65.12% 64.92% 67.72% 90.02% 88.78% - 87.45% 86.63%
Debt to EBITDA		 1.72 1.35 1.03 1.04 1.32 1.13 0.25 0.23 - 0.15 0.14
Net Debt to EBITDA		 -2.73 -2.44 -0.96 -1.31 -1.76 -2.65 -4.01 -3.09 - -2.10 -1.73
Long-Term Debt to EBITDA		 1.72 1.06 0.82 0.83 1.06 0.92 0.07 0.11 - 0.07 0.07
Debt to NOPAT		 2.34 1.83 1.37 1.41 1.80 1.57 0.35 0.32 - 0.20 0.20
Net Debt to NOPAT		 -3.71 -3.30 -1.27 -1.77 -2.41 -3.66 -5.67 -4.26 - -2.87 -2.35
Long-Term Debt to NOPAT		 2.34 1.44 1.08 1.13 1.45 1.28 0.10 0.15 - 0.10 0.09
Noncontrolling Interest Sharing Ratio		 28.12% 14.11% 13.84% 14.12% 12.80% 2.54% 2.84% 3.52% - 6.41% 6.49%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -124 -107 -138 -187 -62 -65 -85 -159 - -389 -321
Operating Cash Flow to CapEx		 11,634.07% 19,237.74% -2,653.61% 10,939.50% 7,065.94% 9,353.70% 27,777.59% 3,359.45% - 44,421.19% 43,143.45%
Free Cash Flow to Firm to Interest Expense		 -14.72 0.00 -39.93 0.00 0.00 -19.20 0.00 -155.56 - 0.00 0.00
Operating Cash Flow to Interest Expense		 18.15 0.00 -8.40 0.00 0.00 47.87 0.00 26.18 - 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 17.99 0.00 -8.72 0.00 0.00 47.36 0.00 25.40 - 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.30 0.35 0.39 0.40 0.37 0.37 0.36 0.38 - 0.38 0.38
Fixed Asset Turnover		 22.88 22.42 24.95 25.77 25.51 25.51 26.22 27.71 - 31.72 33.29
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 632 633 687 699 698 772 843 926 - 1,245 1,247
Invested Capital Turnover		 0.98 1.14 1.20 1.25 1.13 1.08 1.01 1.00 - 0.92 0.91
Increase / (Decrease) in Invested Capital		 165 164 195 196 66 139 156 226 - 474 404
Enterprise Value (EV)		 504 727 752 843 933 1,098 891 1,600 - 1,147 1,527
Market Capitalization		 736 1,149 962 1,121 1,224 1,607 1,758 2,487 - 2,009 2,237
Book Value per Share		 $37.82 $39.65 $42.70 $43.48 $43.02 $48.55 $65.69 $63.41 - $83.82 $84.60
Tangible Book Value per Share		 $36.93 $38.94 $42.09 $42.92 $42.53 $48.12 $65.35 $63.16 - $83.65 $84.45
Total Capital		 632 633 687 699 698 772 843 926 - 1,245 1,247
Total Debt		 208 235 233 231 229 227 56 70 - 68 67
Total Long-Term Debt		 208 185 185 185 185 185 16 32 - 32 31
Net Debt		 -331 -424 -216 -291 -307 -531 -895 -922 - -950 -809
Capital Expenditures (CapEx)		 1.32 0.95 1.09 0.95 1.06 1.73 0.52 0.79 - 0.34 0.29
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Nonoperating Obligations (NNO)		 208 235 233 231 229 227 56 70 - 68 67
Total Depreciation and Amortization (D&A)		 0.82 -1.15 -1.34 2.86 0.51 2.16 3.02 1.79 - 2.14 1.65
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $4.37 $4.76 $5.18 $0.54 $0.11 $6.47 $5.57 $5.05 $7.49 $5.62 $5.78
Adjusted Weighted Average Basic Shares Outstanding		 9.98M 10.48M 10.47M 10.54M 10.77M 11.55M 12.96M 12.96M 12.99M 12.76M 12.44M
Adjusted Diluted Earnings per Share		 $3.46 $3.81 $4.24 $0.52 $0.32 $5.35 $5.18 $4.90 $7.29 $5.45 $5.60
Adjusted Weighted Average Diluted Shares Outstanding		 9.98M 10.48M 10.47M 10.54M 10.77M 11.55M 12.96M 12.96M 12.99M 12.76M 12.44M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 9.98M 10.48M 10.47M 10.54M 10.77M 11.55M 12.96M 12.96M 12.99M 12.76M 12.44M
Normalized Net Operating Profit after Tax (NOPAT)		 41 59 57 12 4.13 74 73 68 - 86 84
Normalized NOPAT Margin		 26.53% 28.69% 28.16% 6.66% 2.50% 34.84% 32.92% 31.53% - 35.29% 33.94%
Pre Tax Income Margin		 35.12% 37.48% 37.49% 8.03% 3.56% 47.10% 42.53% 42.07% - 47.51% 44.99%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.41 0.00 22.02 0.00 0.00 29.65 0.00 88.91 - 0.00 0.00
NOPAT to Interest Expense		 4.84 0.00 16.54 0.00 0.00 21.94 0.00 66.62 - 0.00 0.00
EBIT Less CapEx to Interest Expense		 6.25 0.00 21.71 0.00 0.00 29.14 0.00 88.13 - 0.00 0.00
NOPAT Less CapEx to Interest Expense		 4.69 0.00 16.22 0.00 0.00 21.42 0.00 65.84 - 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 22.95% 16.32% 12.71% 9.60% 15.30% 11.67% 10.98% 9.82% - 6.09% 6.00%
Augmented Payout Ratio		 23.83% 17.12% 13.32% 10.23% 16.11% 12.45% 11.42% 10.16% - 11.84% 28.11%

Financials Breakdown Chart

Key Financial Trends

HCI Group’s latest quarter shows a strong rebound in profitability, but the balance sheet and cash flow picture is more mixed. In Q1 2026, the company posted $73.4 million in net income to common shareholders and $5.45 in diluted EPS, both improvements from the prior quarter’s results. Revenue was also solid at $242.9 million, supported by higher premiums earned and investment gains.

Over the last four years, HCI has transformed from a much smaller, more volatile earnings profile into a highly profitable insurer with large investment assets. That said, the company’s results can swing sharply from quarter to quarter because claims, investment gains, and financing activity have a meaningful impact on earnings and cash generation.

  • Profitability remains strong: Q1 2026 net income attributable to common shareholders was $73.4 million, up from $65.5 million in Q3 2025 and well above most periods in 2024.
  • Revenue growth held up: Q1 2026 total revenue reached $242.9 million, versus $215.3 million in Q3 2025 and $165.3 million in Q4 2024.
  • Premiums earned continue to expand: Premium revenue rose to $222.2 million in Q1 2026 from $194.0 million in Q3 2025 and $146.4 million in Q4 2024.
  • Operating cash flow was very strong in Q1 2026: The company generated $148.8 million in operating cash, showing that reported earnings were backed by real cash generation.
  • Equity base has grown materially: Total common equity increased to $1.09 billion at Q1 2026 from $821.8 million at Q3 2025 and $522.7 million at Q1 2025.
  • Retained earnings climbed sharply: Retained earnings reached $679.7 million in Q1 2026, up from $519.0 million at Q3 2025 and $397.2 million at Q1 2025.
  • Investment income and gains remain an important driver: Capital gains were $16.1 million in Q1 2026, but recent quarters show this line can fluctuate meaningfully, which adds volatility to earnings.
  • The balance sheet is asset-heavy and insurance-specific: Large holdings in cash, trading securities, and insurance-related assets support operations, but they also make results sensitive to market and underwriting conditions.
  • Cash and investments moved lower from the prior quarter: Cash and due from banks fell to $1.01 billion in Q1 2026 from $987.9 million in Q3 2025, while trading securities also increased/decreased materially quarter to quarter, reflecting active portfolio changes.
  • Liabilities remain substantial: Total liabilities were $1.43 billion in Q1 2026, including $566.8 million of claims and claim expenses and $624.3 million of unearned premiums liability.

Longer term, the trend is clearly positive for earnings and equity growth. In Q1 2024, HCI earned $47.6 million attributable to common shareholders; by Q1 2025 that figure had risen to $69.7 million, and in Q1 2026 it reached $73.4 million. Revenue and premium growth followed a similar upward path over the same period.

However, investors should note the business is still cyclical and quarter-dependent. HCI’s results can be affected by catastrophe claims, investment portfolio performance, debt activity, and large shifts in operating assets and liabilities. That means the company can produce very strong quarters, but earnings may not be perfectly smooth.

Bottom line: HCI Group appears to be in a much stronger financial position than it was two years ago, with higher earnings, growing equity, and strong operating cash flow. The main caution is that the company’s insurance and investment exposure can create volatility, so the trend is favorable, but not without risk.

08/10/26 07:19 PM ETAI Generated. May Contain Errors.

HCI Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, HCI Group's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

HCI Group's net income appears to be on an upward trend, with a most recent value of $320.40 million in 2025, rising from $65.86 million in 2015. The previous period was $127.58 million in 2024. View HCI Group's forecast to see where analysts expect HCI Group to go next.

Over the last 10 years, HCI Group's total revenue changed from $285.95 million in 2015 to $900.95 million in 2025, a change of 215.1%.

HCI Group's total liabilities were at $1.41 billion at the end of 2025, a 19.7% decrease from 2024, and a 254.2% increase since 2015.

In the past 10 years, HCI Group's cash and equivalents has ranged from $229.22 million in 2019 to $1.21 billion in 2025, and is currently $1.21 billion as of their latest financial filing in 2025.


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Financial statements for NYSE:HCI last updated on 2/27/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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