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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.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.
Update on Exzeo's IPO progress
Depopulation strategy for 75k policies
HCI's growth strategy beyond Florida
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Next HCI Group earnings date
Q3 20256 Nov, 2025
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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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