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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $900.95M | $750.05M | $550.67M | $499.56M | $407.92M | $310.44M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $6.63M | $6.18M | $5.72M | $4.78M | $2.18M | $1.85M |
| Operating Income | $429.33M | $173.43M | $117.65M | ($68.42M) | $11.23M | $36.93M |
| Interest Expense | $9.16M | $2.0K | $150.0K | $7.77M | $6.40M | $11.73M |
| Income Tax | $108.94M | $45.85M | $28.39M | ($13.81M) | $3.99M | $9.35M |
| Net Income | $299.00M | $109.95M | $79.03M | ($58.51M) | $1.86M | $27.58M |
| EPS - Basic | $24.58 | $10.59 | $9.13 | ($6.24) | $0.23 | $3.55 |
| EPS - Diluted | $22.72 | $8.89 | $7.62 | ($6.24) | $0.21 | $3.49 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.21B | $532.47M | $536.48M | $234.86M | $628.94M | $431.34M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.53B | $2.23B | $1.81B | $1.80B | $1.18B | $941.31M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $1.41B | $1.76B | $1.39B | $1.55B | $762.40M | $740.18M |
| Stockholders' Equity | $1.04B | $453.33M | $324.84M | $162.60M | $323.37M | $201.14M |
| Retained Earnings | $611.51M | $331.79M | $238.44M | $172.48M | $246.79M | $199.59M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $444.45M | $331.82M | $230.66M | ($12.0K) | $96.50M | $77.31M |
| Investing Cash Flow | $87.27M | ($260.11M) | $4.27M | ($434.54M) | $36.85M | $143.22M |
| Financing Cash Flow | $146.20M | ($75.17M) | $67.12M | $41.07M | $64.30M | ($16.70M) |
| CapEx | $3.63M | $4.05M | $6.50M | $6.34M | $3.32M | $6.44M |
| Free Cash Flow | $440.82M | $327.76M | $224.16M | ($6.35M) | $93.19M | $70.87M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 47.7% | 23.1% | 21.4% | -13.7% | 2.8% | 11.9% |
| EBITDA margin | 48.4% | 23.9% | 22.4% | -12.7% | 3.3% | 12.5% |
| Net margin | 33.2% | 14.7% | 14.4% | -11.7% | 0.5% | 8.9% |
| Free cash flow margin | 48.9% | 43.7% | 40.7% | -1.3% | 22.8% | 22.8% |
| FCF / Net income | 1.47 | 2.98 | 2.84 | 0.11 | 50.21 | 2.57 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 26.7% | 29.4% | 26.4% | - | 68.3% | 25.3% |
| Return on assets | 11.8% | 4.9% | 4.4% | -3.2% | 0.2% | 2.9% |
| Return on equity | 28.7% | 24.3% | 24.3% | -36.0% | 0.6% | 13.7% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 46.9x | 86713.5x | 784.3x | -8.8x | 1.8x | 3.1x |
| Equity multiplier | 2.43 | 4.92 | 5.58 | 11.09 | 3.64 | 4.68 |
| Liabilities / Assets | 0.56 | 0.79 | 0.77 | 0.86 | 0.65 | 0.79 |
| Efficiency | ||||||
| Asset turnover | 0.36 | 0.34 | 0.30 | 0.28 | 0.35 | 0.33 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 8.4x | 13.1x | 11.5x | - | 397.8x | 15.0x |
| P / B | 2.4x | 3.3x | 3.0x | 2.1x | 0.0x | 2.5x |
| P / S | 2.7x | 2.0x | 1.8x | 0.7x | 0.0x | 1.6x |
| EV / EBITDA | 2.9x | 5.3x | 3.5x | - | -46.8x | 2.0x |
| Growth | ||||||
| Revenue growth (YoY) | 20.1% | 36.2% | 10.2% | 22.5% | 31.4% | 28.0% |
| Revenue CAGR (3y) | 21.7% | 22.5% | 21.1% | 27.2% | 20.8% | 8.3% |
| Revenue CAGR (5y) | 23.7% | 25.3% | 18.9% | 15.4% | 9.1% | 1.7% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 147.6% | 47.4% | - | - | -69.6% | 2.3% |
| Net income growth (YoY) | 171.9% | 39.1% | - | - | -93.3% | 3.8% |
| EPS growth (YoY) | 155.6% | 16.7% | - | - | -94.0% | 5.4% |
| EPS CAGR (3y) | - | 248.5% | 29.7% | - | -55.2% | - |
| EPS CAGR (5y) | 45.5% | 21.8% | 26.6% | - | -40.9% | -10.0% |
| FCF growth (YoY) | 34.5% | 46.2% | - | - | 31.5% | 38.5% |
| FCF CAGR (5y) | 44.1% | 45.0% | 21.1% | - | 1.4% | 9.8% |
| Book value growth (YoY) | 129.6% | 39.6% | 99.8% | -49.7% | 60.8% | 8.4% |
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%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✓Asset turnover improved
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 |