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HCI Group (HCI) investor relations material
HCI Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Q3 2025 net income was $67.9M ($4.90 diluted EPS), up from $9.4M ($0.52 EPS) in Q3 2024, with a net combined ratio of 64%.
Book value per share increased over 50% year-to-date to $63.41; shareholders' equity reached $821.8M.
Favorable weather in Florida contributed to a low 22% loss ratio for the quarter.
Exio/Exzeo, the insurance technology platform, completed its IPO, raising up to $168M; the company retained its full ownership stake.
Real estate division fully leased its Tampa campus and acquired a new complex in Pinellas County.
Financial highlights
Pre-tax income for Q3 2025 exceeded $90M; year-to-date pre-tax income reached $285.3M, up over 70% year-over-year.
Gross premiums earned in Q3 2025 were $301.1M, up from $265.5M in Q3 2024; net premiums earned were $195.0M.
Net investment income for Q3 2025 was $17.5M, up from $13.7M year-over-year.
Cash and investments increased by $334M year-to-date; long-term debt reduced to $32M.
Operating expenses remained flat while revenue grew 13% year-over-year, reflecting operational leverage.
Outlook and guidance
Management expects continued growth, with capital available to support expansion in 2026 and a focus on Florida and other states.
No plans to participate in December Citizens policy assumption due to shrinking opportunity.
Book value per share projected to approach $80 by year-end, with total book value over $1B.
No material changes to previously disclosed risk factors; reinsurance and catastrophe exposure remain key considerations.
HCI's strategy for Exzeo's unrealized value
What are HCI's next growth avenues beyond Citizens?
Impact of credit facility on capital deployment
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Q4 202527 Feb, 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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