HCI Group, Inc. HCI

Financials SIC 6331 - Fire, Marine & Casualty Insurance NAICS Finance and Insurance › Insurance Carriers and Related Activities › Insurance Carriers › Direct Insurance (except Life, Health, and Medical) Carriers › Direct Property and Casualty Insurance Carriers derived NYSE

HCI Group, Inc., together with its subsidiaries (collectively, "we," "our," "us," the "Company," or "HCI"), is primarily engaged in the property and casualty insurance business. We provide various homeowners' property and casualty insurance products for properties located in the State of Florida, which is our primary market, as well as in other states in the northeast and southeast regions of the United States ("U.S.").

Our insurance operations are supported by other insurance-related subsidiaries within the consolidated group. Exzeo Group, Inc. (formerly known as TypTap Insurance Group, Inc.) ("Exzeo"), a majority-owned subsidiary, provides turn-key insurance technology and operations solutions based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty insurance ecosystem. We utilize Exzeo's internally developed software technologies to identify profitable underwriting opportunities, drive efficiency in claim processing and settlements, and streamline operations across our insurance operations and other insurance-related businesses.

Last close 204.06 2026-10-23
Market cap $2.54B 2026-06-30 share count
52-week range 144.75 - 208.80

Valuation FY2025 figures against the last close

P/S2.8x
P/E9.0x
P/FCF5.8x
EV/EBITDA—
Dividend yield0.8%
Diluted EPS22.72

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $900.9M$750.1M$550.7M$499.6M$407.9M$310.4M$242.5M$231.3M$244.4M$264.4M
Interest expense —$2.0K$150.0K———————
Pre-tax income $429.3M$173.4M$117.7M-$68.4M$11.2M$36.9M$36.1M$26.9M-$15.6M$46.9M
Income tax $108.9M$45.8M$28.4M$13.8M$4.0M$9.3M$9.5M$9.2M$8.7M$17.8M
Net income $320.4M$127.6M$89.3M-$54.6M$7.2M$27.6M$26.6M$17.7M-$6.9M$29.0M
EPS, basic 24.5810.599.13-6.240.233.553.322.34-0.752.95
EPS, diluted 22.728.897.62-6.240.213.493.312.34-0.752.92
Shares, diluted (wtd. avg.) 12.9M12.7M11.0M8.8M8.6M9.7M10,2387.9M—10.9M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $1.21B$532.5M$536.5M$234.9M$628.9M$431.3M$229.2M$239.5M$255.9M$281.1M
Short-term investments ———————$66.5M——
Property, plant and equipment $28.9M$29.5M$29.3M$17.9M$14.2M$12.8M$14.7M$13.3M$12.5M$11.4M
Other intangibles $2.7M$5.2M$7.7M$10.6M$10.6M$3.6M$4.2M$4.8M$5.0M$4.9M
Total assets $2.53B$2.23B$1.81B$1.80B$1.18B$941.3M$802.6M$832.9M$842.3M$670.1M
Long-term debt ————————$237.8M$138.9M
Total liabilities $1.41B$1.76B$1.39B$1.55B$762.4M$740.2M$617.1M$651.4M$648.3M$426.3M
Retained earnings $611.5M$331.8M$238.4M$172.5M$246.8M$199.6M$183.4M$182.9M$189.4M$233.0M
Total equity $1.04B$453.3M$327.2M$161.3M$324.5M$201.1M$185.5M$181.4M$194.0M$243.7M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $444.4M$331.8M$230.7M-$12.0K$96.5M$77.3M$54.0M$28.6M$16.6M$88.3M
Depreciation and amortisation $11.2M$4.3M$8.2M$8.0M$5.5M$8.7M$1.6M$1.4M$1.2M$1.3M
Stock-based compensation $11.0M$10.2M$9.3M$15.1M$13.8M$8.1M$6.5M$4.6M$4.5M$4.2M
Capital expenditure $3.6M$4.1M$6.5M$6.3M$3.3M$6.4M$2.9M$2.2M$2.3M$865.0K
Investing cash flow $87.3M-$260.1M$4.3M-$434.5M$36.9M$143.2M$50.5M-$17.7M-$80.2M-$49.0M
Financing cash flow $146.2M-$75.2M$67.1M$41.1M$64.3M-$16.7M-$114.7M-$27.3M$39.0M-$26.2M
Dividends paid $19.3M$16.6M$13.7M$15.2M$14.1M$12.7M$13.0M$11.3M$13.9M$12.4M
Buybacks $1.5M$1.0M$784.0K$71.2M$1.3M$1.5M$1.2M$1.2M$30.7M$464.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-191649.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -250M 0 250M 500M 750M 1B Revenue, FY2016: 264.4M Net income, FY2016: 29M Revenue, FY2017: 244.4M Net income, FY2017: -6.9M Revenue, FY2018: 231.3M Net income, FY2018: 17.7M Revenue, FY2019: 242.5M Net income, FY2019: 26.6M Revenue, FY2020: 310.4M Net income, FY2020: 27.6M Revenue, FY2021: 407.9M Net income, FY2021: 7.2M Revenue, FY2022: 499.6M Net income, FY2022: -54.6M Revenue, FY2023: 550.7M Net income, FY2023: 89.3M Revenue, FY2024: 750.1M Net income, FY2024: 127.6M Revenue, FY2025: 900.9M Net income, FY2025: 320.4M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $264.4M $244.4M $231.3M $242.5M $310.4M $407.9M $499.6M $550.7M $750.1M $900.9M
Gross profit — — — — — — — — — —
Net income $29.0M -$6.9M $17.7M $26.6M $27.6M $7.2M -$54.6M $89.3M $127.6M $320.4M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Material agreement signed Item 1.01
  • Results announced Item 2.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Material agreement signed Item 1.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Officer or director change Item 5.02
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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