Logotype for HCI Group Inc

HCI Group (HCI) investor relations material

HCI Group Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for HCI Group Inc
Q2 2025 earnings summary7 Aug, 2025

Executive summary

  • Diluted EPS rose to $5.18 and net income for Q2 2025 was $70.3M, up from $4.24 EPS and $57.1M in Q2 2024, driven by higher net premiums and lower loss expenses.

  • Pretax income exceeded $94M for the quarter, with year-to-date net income after noncontrolling interests at $135.8M, up from $101.7M year-over-year.

  • Gross premiums earned increased to $302.6M for Q2 2025, mainly from policy growth and Citizens policy assumptions.

  • Shareholders' equity rose to $759M, up 65% year to date, and book value per share increased to $58.55.

  • Debt to capital ratio reduced to under 10% after redeeming $172M in convertible notes, lowering interest expense to under $1M per quarter.

Financial highlights

  • Net premiums earned for Q2 2025 were $200.1M, up from $186.8M in Q2 2024.

  • Gross loss ratio improved to 21.3% from 29.7% in Q2 2024, reflecting lower claims and litigation.

  • Combined ratio for Q2 2025 was 61.9%, improved from 67.8% in Q2 2024.

  • Net investment income for Q2 2025 was $16.4M.

  • Policy acquisition and underwriting expenses increased to $30.6M year-over-year.

Outlook and guidance

  • Net combined ratio expected to normalize around 70% as full reinsurance and acquisition costs are reflected.

  • Management expects continued policy growth, especially in Florida, and plans to expand real estate investments.

  • Company anticipates maintaining strong liquidity and capital to support claims, reinsurance, and growth.

  • Approved for depopulation of 25,000 policies each for three carriers in October, aided by technology.

  • Ongoing initiatives to unlock shareholder value and progress toward establishing Exzeo as a public entity.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next HCI Group earnings date

Logotype for HCI Group Inc
Q3 20256 Nov, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next HCI Group earnings date

Logotype for HCI Group Inc
Q3 20256 Nov, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage