HCI · Hci Group, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $242.88M | - | $216.35M | $221.92M | $216.43M | - | $175.32M | $206.25M | $206.61M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.45M | - | $566.0K | $1.67M | $1.65M | - | $1.56M | $1.56M | $269.0K | - |
| Operating Income | $115.38M | - | $90.60M | $94.39M | $100.34M | - | $14.08M | $76.03M | $77.43M | - |
| Interest Expense | $923.0K | - | $1.02M | $3.74M | $3.38M | - | $3.42M | $3.45M | $3.15M | - |
| Income Tax | $30.34M | - | $22.71M | $24.11M | $26.11M | - | $4.69M | $18.93M | $20.47M | - |
| Net Income | $73.41M | - | $65.51M | $66.16M | $69.68M | - | $5.68M | $54.08M | $47.61M | - |
| EPS - Basic | $5.62 | - | $5.05 | $5.57 | $6.47 | - | $0.54 | $5.18 | $4.76 | - |
| EPS - Diluted | $5.45 | - | $4.90 | $5.18 | $5.35 | - | $0.52 | $4.24 | $3.81 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.01B | $1.21B | $987.93M | $947.17M | $754.48M | $532.47M | $518.79M | $445.83M | $655.38M | $536.48M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.61B | $2.53B | $2.35B | $2.35B | $2.31B | $2.23B | $1.99B | $1.91B | $1.84B | $1.81B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.43B | $1.41B | $1.49B | $1.57B | $1.76B | $1.76B | $1.52B | $1.46B | $1.44B | $1.39B |
| Stockholders' Equity | $1.09B | $1.04B | $821.78M | $758.58M | $522.68M | $453.33M | $455.34M | $447.35M | $395.68M | $324.84M |
| Retained Earnings | $679.72M | $611.51M | $519.04M | $458.71M | $397.17M | $331.79M | $333.45M | $331.96M | $282.06M | $238.44M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $148.81M | - | - | - | $162.01M | - | - | - | $181.99M | - |
| Investing Cash Flow | ($325.22M) | - | - | - | $66.27M | - | - | - | ($4.87M) | - |
| Financing Cash Flow | ($19.57M) | - | - | - | ($6.25M) | - | - | - | ($58.20M) | - |
| CapEx | $335.0K | - | - | - | $1.73M | - | - | - | $946.0K | - |
| Free Cash Flow | $148.48M | - | - | - | $160.27M | - | - | - | $181.04M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 47.5% | - | 41.9% | 42.5% | 46.4% | - | 8.0% | 36.9% | 37.5% | - |
| EBITDA margin | 48.1% | - | 42.1% | 43.3% | 47.1% | - | 8.9% | 37.6% | 37.6% | - |
| Net margin | 30.2% | - | 30.3% | 29.8% | 32.2% | - | 3.2% | 26.2% | 23.0% | - |
| Free cash flow margin | 61.1% | - | - | - | 74.1% | - | - | - | 87.6% | - |
| FCF / Net income | 2.02 | - | - | - | 2.30 | - | - | - | 3.80 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 29.2% | - | 25.7% | 26.7% | 27.3% | - | 45.2% | 25.9% | 30.1% | - |
| Return on assets | 2.8% | - | 2.8% | 2.8% | 3.0% | - | 0.3% | 2.8% | 2.6% | - |
| Return on equity | 6.7% | - | 8.0% | 8.7% | 13.3% | - | 1.2% | 12.1% | 12.0% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 125.0x | - | 88.9x | 25.2x | 29.7x | - | 4.1x | 22.0x | 24.6x | - |
| Equity multiplier | 2.40 | 2.43 | 2.86 | 3.10 | 4.41 | 4.92 | 4.36 | 4.27 | 4.65 | 5.58 |
| Liabilities / Assets | 0.55 | 0.56 | 0.64 | 0.67 | 0.76 | 0.79 | 0.76 | 0.76 | 0.78 | 0.77 |
| Efficiency | ||||||||||
| Asset turnover | 0.09 | - | 0.09 | 0.09 | 0.09 | - | 0.09 | 0.11 | 0.11 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 28.4x | - | 39.2x | 29.4x | 27.9x | - | 205.9x | 21.7x | 30.5x | - |
| P / B | 1.8x | - | 3.0x | 2.6x | 3.7x | - | 0.0x | 0.0x | 0.0x | - |
| P / S | 8.2x | - | 11.4x | 8.8x | 8.8x | - | 0.0x | 0.0x | 0.0x | - |
| EV / EBITDA | 8.4x | - | 16.3x | 10.6x | 11.3x | - | -33.1x | -5.7x | -8.4x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 12.2% | - | 23.4% | 7.6% | 4.8% | - | 33.2% | 62.0% | 60.1% | - |
| Revenue CAGR (3y) | 23.5% | - | 19.5% | 20.8% | 19.4% | - | 20.9% | 26.7% | 29.6% | - |
| Revenue CAGR (5y) | 20.7% | - | 15.8% | 22.4% | 31.3% | - | 23.9% | 28.6% | 27.8% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 15.0% | - | 543.5% | 24.2% | 29.6% | - | -29.9% | 275.1% | 234.7% | - |
| Net income growth (YoY) | 5.3% | - | 1052.9% | 22.3% | 46.4% | - | -56.8% | 334.6% | 210.4% | - |
| EPS growth (YoY) | 1.9% | - | 842.3% | 22.2% | 40.4% | - | -61.2% | 231.3% | 147.4% | - |
| EPS CAGR (3y) | 52.4% | - | - | - | 290.3% | - | - | 160.4% | 71.9% | - |
| EPS CAGR (5y) | 48.7% | - | 23.6% | 36.8% | 138.0% | - | -6.6% | 36.3% | 36.0% | - |
| FCF growth (YoY) | -7.4% | - | - | - | -11.5% | - | - | - | 85.4% | - |
| FCF CAGR (5y) | 33.2% | - | - | - | 23.8% | - | - | - | - | - |
| Book value growth (YoY) | 108.4% | 129.6% | 80.5% | 69.6% | 32.1% | 39.6% | 127.7% | 137.5% | 119.5% | 99.8% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$1.16B totalInsurance Operation$834.43M · 72.0%
Exzeo Group Inc$221.28M · 19.1%
Reciprocal Exchange Operation$65.55M · 5.7%
Corporate And Other$23.57M · 2.0%
Real Estate Operations$14.82M · 1.3%
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing HCI Group against the 5 most active filers in the same SIC group.
Dividends
$1.60/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.4000 |
| Feb 20, 2026 | $0.4000 |
| Nov 21, 2025 | $0.4000 |
| Aug 15, 2025 | $0.4000 |
| May 16, 2025 | $0.4000 |
| Feb 21, 2025 | $0.4000 |
| Nov 15, 2024 | $0.4000 |
| Aug 16, 2024 | $0.4000 |
| May 16, 2024 | $0.4000 |
| Feb 15, 2024 | $0.4000 |
| Nov 16, 2023 | $0.4000 |
| Aug 17, 2023 | $0.4000 |
| May 18, 2023 | $0.4000 |
| Feb 16, 2023 | $0.4000 |
| Nov 17, 2022 | $0.4000 |
| Aug 18, 2022 | $0.4000 |
| May 16, 2022 | $0.4000 |
| Feb 17, 2022 | $0.4000 |
| Nov 18, 2021 | $0.4000 |
| Aug 19, 2021 | $0.4000 |
| May 20, 2021 | $0.4000 |
| Feb 18, 2021 | $0.4000 |
| Nov 19, 2020 | $0.4000 |
| Aug 20, 2020 | $0.4000 |