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HCI Group
HCI Group (HCI) investor relations material
HCI Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
Pre-tax income reached $144 million in Q4 2025 and $429 million for the year, with net income of $108 million in Q4 and $320 million for the year; diluted EPS was $7.25 for Q4 and $22.72 for the year.
Gross premiums earned rose 12% year-over-year in Q4 and 14% for the full year, reaching $1.236 billion in 2025.
The company completed the IPO of Exzeo/Exio, retaining a controlling stake valued at nearly $1.2 billion.
Announced an $80 million share repurchase program, with a focus on disciplined capital allocation and strong liquidity.
Diversified operations span insurance, reinsurance, real estate, claims services, and insurance technology, emphasizing technology-driven growth.
Financial highlights
Gross premiums earned in Q4 2025 were $332 million; full year gross premiums earned were $1.236 billion.
Net premiums earned in Q4 2025 were $225.8 million; full year net premiums earned were $821.7 million.
Gross loss ratio improved to 15.6% in Q4 2025 and 19.6% for the year; book value per share at year-end 2025 was $80.13.
Shareholder equity surpassed $1 billion, reaching $1,407 million by year-end 2025.
Diluted EPS for 2025 was $22.72; debt to capital ratio at 6% as of 12/31/25.
Outlook and guidance
Gross premiums earned in Q1 2026 expected to exceed Q4 2025, with continued organic and acquisition-driven growth.
Legislative reforms in Florida and reinsurance market softening are expected to support improved loss trends and margins.
Expense ratios expected to normalize as Q4 was impacted by bonus accounting.
Focus on leveraging technology and disciplined underwriting to expand premiums and manage risk.
What M&A types align with tripling share price?
Impact of rate easing and reinsurance on margins?
What sustains the sub-20% normalized loss ratio?
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Next HCI Group earnings date
Q1 20267 May, 2026
HCI Group
Next HCI Group earnings date
Q1 20267 May, 2026
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Frequently asked questions
HCI Group Inc operates in the property and casualty insurance industry, primarily providing homeowners’ insurance in the United States. The company also engages in real estate, information technology services, and reinsurance. It operates through subsidiaries offering underwriting, claims, and risk management. The company is headquartered in Tampa, Florida, and its shares are listed on the NYSE.
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