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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
HCI Group
HCI Group (HCI) investor relations material
HCI Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Nov, 2026
Executive summary
Q3 revenue was $244.9M vs. $216.4M; pre-tax income was $116.3M vs. $90.6M, net income after noncontrolling interests was $83.5M vs. $65.5M, and diluted EPS was $6.45 vs. $4.90.
Gross premiums earned rose 5% to $316.1M; higher policy volume, investment income, lower reinsurance costs and operating leverage supported results.
Premiums in force reached $1.26B and book value per share was $90.15 at September 30, 2026.
Financial highlights
Nine-month revenue was $734.4M vs. $654.7M; pre-tax income was $342.7M vs. $285.3M, net income after noncontrolling interests was $230.7M vs. $201.4M, and diluted EPS was $17.48 vs. $15.47.
Q3 net premiums earned rose to $219.1M from $195.0M; net investment income increased to $21.7M from $17.5M. Nine-month figures were $660.3M vs. $595.8M and $57.9M vs. $47.7M, respectively.
Nine-month gross premiums earned rose 7% to $963.1M; gross written premiums increased 12% YoY, supported by CORE residential growth.
Operating cash flow for 9M was $348.8M vs. $333.7M; cash and cash equivalents were $743.5M at September 30, 2026.
Invested assets totaled $2.2B; fixed-income duration was 4.1 years at September 30, 2026.
Outlook and guidance
2027 priorities included stable business levels, EPS leverage from a lower share count and continued investment income; organic policy growth was expected, with year-end timing uncertain.
Expected loss ratio remained 20%-25%; the 9M 2026 gross loss ratio was 21%, matching 9M 2025 and at the low end of the range.
Operating expenses were largely flat over six to eight quarters; management cited a 60%-65% combined-ratio expectation and a Q3 result in the high 50s.
Residential insurance rates were expected to ease somewhat in 2027; tokenized reinsurance was being tested through a full cycle, with a potential event at the June 1 renewal.
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Latest events from HCI Group
- Q2 2026 delivered record earnings, $1.29B premiums in force, and an $80M share buyback.HCI
Q2 2026 - Record Q1 income, 20.1% loss ratio, and strong capital returns highlight robust growth.HCIQ1 2026
- Record financials, Exzeo IPO, and robust governance set the stage for key 2026 shareholder votes.HCIProxy filing
- Record 2025 earnings, improved loss ratios, and Exzeo IPO drive strong financial results.HCIQ4 2025
- Record net income, strong governance, and key votes on directors, pay, and ESG initiatives.HCIProxy Filing
- Q2 net income rose to $70.3M, EPS hit $5.18, and Exzeo filed for an IPO.HCIQ2 2025
- Q3 profit dropped on hurricane losses, but YTD net income and premiums showed strong growth.HCIQ3 2024
- Q2 net income was $57.1M, EPS $4.24, and gross loss ratio improved to 29.7%.HCIQ2 2024
- Net income up 44% and premiums up 41.5% despite hurricane losses, driven by tech efficiency.HCIQ4 2024
Next HCI Group earnings date
Q4 202625 Feb, 2027
HCI Group
Next HCI Group earnings date
Q4 202625 Feb, 2027
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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.