{"filings":[{"id":2106561,"accession_number":"0001193125-26-338133","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2026-08-06T20:25:03+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q2 2026 pre-tax income $111M, diluted EPS $5.60, gross loss ratio 22%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Pre-tax income $111M vs $94M YoY; net income $83M vs $70M; diluted EPS $5.60 vs $5.18.","Gross premiums earned $321M, up 6% YoY; gross loss ratio 22.2%.","Net investment income $19M, up from $16M; other revenue $5M from Exzeo platform.","Completed $80M share repurchase program on July 17, 2026; repurchased 504,330 shares.","Six-month diluted EPS $11.05 vs $10.57; pre-tax income $226M vs $195M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1057439,"accession_number":"0001193125-26-271159","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2026-06-15T20:30:16+00:00","items":["1.01"],"status":"ready","headline":"HCI Group adopts director compensation plan: $100k cash + 750 restricted shares annually","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Each non-employee director receives $100,000 cash payable quarterly.","Each director also receives 750 restricted common shares.","Share transfer restrictions expire on May 27, 2027.","Directors retain dividend and ownership rights during restriction period."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1010238,"accession_number":"0001193125-26-268579","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2026-06-12T13:00:16+00:00","items":["5.07"],"status":"ready","headline":"HCI Group shareholders elect directors, ratify auditor, approve say-on-pay at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected Wayne Burks to Class B board until 2028; elect Jay Madhu, Peter Politis, Anthony Saravanos to Class C until 2029.","Ratified Forvis Mazars, LLP as independent auditor for FY 2026: 11,092,370 for, 30,572 against, 7,609 abstentions.","Advisory vote on named executive officer compensation passed: 7,121,861 for, 2,664,859 against, 145,221 abstentions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":759596,"accession_number":"0001193125-26-249754","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2026-06-01T11:48:56+00:00","items":["1.01"],"status":"ready","headline":"HCI Group places reinsurance towers with $1.96B aggregate Florida limit; total ceded premiums $381.2M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reinsurance Tower 1: $1.06B single-event coverage, retention $10M, private premiums $204.7M plus $30M FHCF.","Reinsurance Tower 2: $830.3M FL single-event and $605M non-FL single-event coverage; total ceded premiums $156.4M private.","Reinsurance Tower 3: $431.5M single-event coverage, retention $2.8M; private premiums $75.6M plus $7.6M FHCF.","Subsidiaries Claddaugh and Fortex Re retain combined max loss $139.8M first event, $52.3M second event; subject to regulatory approval.","Total net consolidated reinsurance ceded to third parties (excl. subs) estimated at $381.2M for the 2026-2027 treaty year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92633,"accession_number":"0001193125-26-209071","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2026-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q1 2026 pre-tax income $115M; diluted EPS $5.45, up from $5.35 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Pre-tax income $115M vs $100M YoY; net income after noncontrolling interests $73M vs $70M.","Gross premiums earned $326M (+8.7% YoY) driven by higher policy count; gross loss ratio 20.1%.","Net investment income $17M vs $14M YoY; losses and LAE $66M vs $59M due to higher volume and Northeast weather.","Share repurchase: 110,071 shares for $17.5M in Q1; total 239,435 for $37.5M under $80M program.","Management cites record Q1 for earned premiums, net income, EPS; plans continued buyback and balance sheet strengthening."],"consensus_eps_estimate":null,"consensus_eps_actual":5.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":242882000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103601,"accession_number":"0001193125-26-071719","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2026-02-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q4 pre-tax income $144M, EPS $7.25; full year EPS $22.72","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income after noncontrolling interests $98M vs $3M YoY; diluted EPS $7.25 vs $0.23.","Full year 2025 pre-tax income $429M, net income $320M; diluted EPS $22.72 vs $8.89 in 2024.","Gross premiums earned $1,236M in 2025, up 14% from $1,083M; gross loss ratio 19.6%.","CEO cites record earnings and successful Exzeo IPO; plans share buyback program soon.","Losses and LAE improved to $242M in 2025 from $375M in 2024, partly due to fewer catastrophe losses."],"consensus_eps_estimate":null,"consensus_eps_actual":22.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":900946000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119869,"accession_number":"0001193125-25-330946","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-12-23T23:59:59+00:00","items":["1.01","5.02","7.01","9.01"],"status":"ready","headline":"Exzeo Group, HCI subsidiary, enters new CEO employment agreement; awards $3.75M cash bonus","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Paresh Patel named CEO of Exzeo Group effective Jan 1, 2026, with base salary of $950,000.","Exzeo awarded Patel a cash bonus of $3,750,000, payable before December 31, 2025.","Patel entered a 10b5-1 trading plan to acquire up to 100,000 shares or $2 million of Exzeo common stock by Dec 18, 2026.","Severance provides 12 months base salary if terminated without cause, for good reason, or within 180 days after change of control."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119868,"accession_number":"0001193125-25-326799","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-12-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"HCI Group awards 2025 cash bonuses and sets 2026 salaries for top executives","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Paresh Patel receives $950,000 base salary and $3,200,000 cash bonus.","COO Karin Coleman gets $700,000 salary, $250,000 bonus, plus 1,251 restricted shares.","CFO James Harmsworth and General Counsel Graham each get $625k/$450k salary, $250k bonus, and 1,251 shares.","President Saravanos receives $400k salary, $200k bonus, and 621 shares; all shares vest over 3 years.","Cash bonuses to be paid before Dec 31, 2025; compensation committee cited strategic initiative progress."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119867,"accession_number":"0001193125-25-269720","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-11-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q3 2025 diluted EPS $4.90 vs $0.52; pre-tax income $90.6M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income after noncontrolling interests $65.5M, up from $5.7M in Q3 2024.","Gross premiums earned $301.1M, up 13.4% YoY; gross loss ratio improved to 22.0%.","Book value per share increased to $63.41 from prior quarter.","Management highlighted progress on Exzeo spin-off as a publicly traded entity.","Year-to-date diluted EPS $15.47 versus $8.59; pre-tax income $285.3M."],"consensus_eps_estimate":null,"consensus_eps_actual":15.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":654703000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119866,"accession_number":"0001193125-25-240903","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-10-16T23:59:59+00:00","items":["2.02"],"status":"ready","headline":"Exzeo Group prelim Q3 rev $53.5-56.8M, net income $20.1-22.2M; 9mo rev $162-165.3M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Preliminary unaudited Q3 2025 revenue of $53.5M to $56.8M.","Preliminary unaudited Q3 2025 net income after tax of $20.1M to $22.2M.","Nine-month 2025 revenue estimated at $162.0M to $165.3M.","Nine-month 2025 net income after tax estimated at $59.7M to $61.8M.","Results are preliminary; Exzeo's financial closing procedures are not yet complete."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136432,"accession_number":"0001193125-25-216516","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-09-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"HCI Group subsidiary Exzeo files S-1 for proposed IPO; terms not set","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Exzeo Group, majority-owned by HCI, publicly filed Form S-1 for IPO of common stock.","Number of shares and price range not yet determined; offering subject to market conditions.","Joint book-runners: Truist Securities, Citizens Capital Markets, William Blair.","Fifth Third Securities acting as co-manager for the proposed offering.","No assurance on whether or when the offering will be completed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136431,"accession_number":"0000950170-25-105107","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q2 pre-tax income $94.4M; diluted EPS $5.18; book value $58.55","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income after noncontrolling interests was $66.2M, up from $54.1M in Q2 2024; diluted EPS $5.18 vs $4.24.","Consolidated gross premiums earned rose 14.8% to $302.6M; gross loss ratio improved to 21.3% from 29.7%.","Book value per share increased to $58.55; management highlighted plans to spin off Exzeo as a public entity.","Six-month diluted EPS of $10.57 vs $8.04; net income after noncontrolling interests of $135.8M vs $101.7M.","Losses decreased to $64.5M from $78.3M on lower claims and litigation frequency despite premium growth."],"consensus_eps_estimate":null,"consensus_eps_actual":10.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":438353000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136430,"accession_number":"0000950170-25-098366","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"HCI Group adopts non-employee director compensation plan: $100K cash + 750 restricted shares annually","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plan approved July 21, 2025 by compensation committee.","Each non-employee director receives $100,000 in cash paid quarterly.","Each director awarded 750 restricted shares, transfer-restricted until May 22, 2026.","During restriction period, directors receive dividends and full ownership rights."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153583,"accession_number":"0000950170-25-086262","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-06-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"HCI Group announces annual meeting results; Paresh Patel and Gregory Politis elected as Class B directors","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Paresh Patel and Gregory Politis elected as Class B directors with 8,630,420 and 8,551,682 votes for.","Ratification of FORVIS MAZARS as auditor: 9,431,073 for, 14,742 against, 2,293 abstain.","Advisory say-on-pay approved: 6,008,850 for, 2,773,591 against, 15,806 abstain, 676,749 broker non-votes.","Advisory frequency vote: 7,685,490 voted for 1-year, 21,948 for 2-year, 1,088,642 for 3-year, 2,174 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153582,"accession_number":"0000950170-25-080273","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-06-02T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"HCI Group secures 2025-2026 reinsurance program with $1.28B Florida tower","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Three reinsurance towers placed; Tower 1 covers Homeowners Choice and Tailrow Florida policies up to $1.28B per event.","Tower 2 covers TypTap and non-Florida Homeowners Choice policies with $925M Florida and $506M out-of-state limits.","Tower 3 covers CORE Florida policies with up to $181M per event retention of $3M.","Claddaugh participates across all towers with estimated max retained loss of $117M for first event.","Net consolidated premiums ceded to third parties estimated at ~$422M for the treaty year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153581,"accession_number":"0000950170-25-067077","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q1 EPS $5.35 beats $3.81 YoY; plans tax-free spin-off of Exzeo","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 diluted EPS $5.35 vs $3.81 YoY; pre-tax income $100.3M, net income $74.2M.","Gross premiums earned $300.4M, up 17% YoY, driven by policy assumptions from Citizens Property Insurance.","Gross loss ratio improved to 19.7% from 31.1% due to decline in claims and litigation frequency.","Board pursuing tax-free spin-off of Exzeo to existing HCI shareholders, targeted for completion by end of 2025.","Net investment income $13.8M, slightly down YoY due to decrease in limited partnership income."],"consensus_eps_estimate":null,"consensus_eps_actual":5.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":216433000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153580,"accession_number":"0000950170-25-052872","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-04-10T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"HCI Group director Lauren Valiente will not seek reelection","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Lauren Valiente notified HCI board on April 9, 2025 that she will not stand for reelection.","No replacement or specific effective date given beyond not seeking reelection.","No reason for departure was disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172293,"accession_number":"0000950170-25-029133","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2025-02-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q4 2024 diluted EPS $0.23, full year $8.89; gross premiums up 38%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 diluted EPS $0.23, down from $3.40 in Q4 2023; adjusted EPS $0.31.","Full year 2024 diluted EPS $8.89, up from $7.62 in 2023; adjusted EPS $8.75.","Gross premiums earned Q4 $297.5M (+38% YoY); full year $1,083.2M (+41.5%).","Q4 net loss from Hurricane Milton $78.0M; full year hurricane losses total $127.5M.","Plans to keep rates flat; expanding technology to other carriers and geographies."],"consensus_eps_estimate":null,"consensus_eps_actual":8.89,"consensus_revenue_estimate":null,"consensus_revenue_actual":750051000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189287,"accession_number":"0000950170-24-141164","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-12-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Eric Hoffman resigns after Centerbridge's $100M TypTap stake redeemed","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Eric Hoffman resigned from HCI board effective December 27, 2024.","He served as representative of Centerbridge, which invested $100M in TypTap in 2021.","HCI redeemed Centerbridge's preferred shares in TypTap in January 2024; Centerbridge now holds no interest.","Resignation not due to any disagreement with board or management."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189286,"accession_number":"0000950170-24-138498","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-12-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"HCI Group awards $2.4M bonus to CEO Paresh Patel; other exec bonuses total $875K","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Paresh Patel received cash bonus of $2,400,000 for 2024 performance.","CFO James Harmsworth, COO Karin Coleman, and GC Andrew Graham each received $250,000.","President of real estate division Anthony Saravanos received $125,000.","Total executive cash bonuses awarded: $3,275,000.","Compensation committee cited strategic initiatives and response to Hurricanes Debby, Helene, Milton."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189285,"accession_number":"0000950170-24-123426","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q3 2024 net income falls to $5.7M; diluted EPS $0.52 vs $1.34 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2024 net income after noncontrolling interests of $5.7M, down from $13.2M in Q3 2023.","Diluted EPS of $0.52 (GAAP) and $0.47 (adjusted), compared to $1.34 and $1.41 respectively.","Gross premiums earned rose to $265.5M from $188.3M, driven by Florida growth.","Hurricanes Helene ($40.0M) and Debby ($6.5M) were included in $105.7M losses & LAE.","In October 2024, assumed approximately 42,000 policies from Citizens Property Insurance."],"consensus_eps_estimate":null,"consensus_eps_actual":8.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":588176000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205787,"accession_number":"0000950170-24-101429","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-08-28T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"HCI Group amends bylaws to allow uncertificated shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board amended bylaws on August 22, 2024, to permit shares without certificates.","Certificates remain optional; uncertificated shares require written statement to shareholders.","Transfer procedures updated to accommodate both certificated and uncertificated shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205786,"accession_number":"0000950170-24-094075","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q2 2024: Pre-tax income $76M, diluted EPS $4.24, gross loss ratio improves to 29.7%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income after noncontrolling interests $54.1M vs $12.4M YoY; diluted EPS $4.24 vs $1.28.","Gross premiums earned rose 45% to $263.6M; ceded ratio improved to 29.1% from 36.5%.","Gross loss ratio improved to 29.7% from 34.0%; driven by lower claims & litigation frequency in Florida.","Net investment income doubled to $16.9M from $8.8M on higher interest and real estate income."],"consensus_eps_estimate":null,"consensus_eps_actual":8.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":412859000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222750,"accession_number":"0000950170-24-074293","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-06-17T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"HCI Group adopts director compensation plan: $100k cash plus 750 restricted shares annually","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Non-employee directors receive $100,000 cash annually, paid quarterly.","Each director granted 750 restricted common shares on June 12, 2024, restricted until May 22, 2025.","Restricted shares carry dividend and ownership rights during the restriction period."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222749,"accession_number":"0000950170-24-073721","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-06-14T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"HCI Group shareholders elect three directors, ratify auditor at 2024 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected Karin Coleman (7.8M for), Eric Hoffman (8.2M for), Sue Watts (8.0M for) as Class A directors.","Ratified FORVIS LLP as independent auditor for FY2024 with 8.99M for, 20k against, 223k abstain.","Advisory say-on-pay passed with 7.95M for, 446k against, 5k abstain, 829k broker non-votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222748,"accession_number":"0000950170-24-066263","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-05-30T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"HCI Group secures $1.12B Tower 1 and $723.3M Tower 2 reinsurance for 2024-2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Tower 1 (FL Homeowners Choice): $1.12B single-event limit, $14M retention; private premiums $161.4M, FHCF $49.4M.","Tower 2 (all TypTap policies and Homeowners Choice non-FL): $723.3M FL limit, $410M non-FL limit, $9M retention; private premiums $117.7M, FHCF $28.0M.","Total net ceded third-party premiums approx. $333.6M; Claddaugh (subsidiary) collects $22.8M in premiums.","Retrospective provisions in multi-year and single-year treaties may adjust premiums or create assets/liabilities based on loss experience.","Program effective June 1, 2024 to May 31, 2025; HCI exploring additional risk transfer instruments."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222747,"accession_number":"0000950170-24-055761","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q1 net income $57.0M ($3.81 EPS) vs $17.8M ($1.54 EPS) year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Pre-tax income $77.4M; adjusted diluted EPS $3.65 vs $1.50 prior year.","Gross premiums earned $256.6M, up 42% from $180.1M; includes $67M from Citizens assumption.","Gross loss ratio improved to 31.1% from 33.6%; reinsurance cost ratio fell to 26.5% from 39.2%.","Net investment income $14.1M excluding prior-year real estate gain of $8.9M.","CEO cites strong technology leverage and carrier launch as future opportunities."],"consensus_eps_estimate":null,"consensus_eps_actual":3.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":206614000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222746,"accession_number":"0000950170-24-046968","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["1.01","5.02","9.01"],"status":"ready","headline":"HCI Group enters new CEO employment agreement with Paresh Patel; grants 200k performance-based restricted shares","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Paresh Patel's base salary remains $950,000 under the five-year term ending April 2029.","200,000 restricted shares awarded; vest equally over four years starting March 2025 only if HCI stock hits $200 for 30 consecutive trading days.","No other changes to executive compensation or company guidance disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242235,"accession_number":"0000950170-24-028021","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-03-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q4 net income $40.9M ($3.40 EPS); full year net income $89.3M vs loss in 2022","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $40.9M ($3.40 diluted EPS) vs $2.7M ($0.18) a year ago; adjusted EPS $3.22.","Q4 gross premiums earned $215.2M (+18% YoY); gross loss ratio improved to 30.4% from 39.4%.","Full year 2023 net income $89.3M ($7.62 EPS) vs net loss $54.6M ($6.24 loss) in 2022.","Full year gross loss ratio 33% vs adjusted 42% in 2022; premiums ceded ratio 35.2%.","CEO: ~30% premium-in-force growth, four Citizens assumptions, new carrier launch, $85M secondary offering."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242234,"accession_number":"0000950170-24-007969","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-01-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"HCI Group redeems $100M TypTap preferred stock, extends Centerbridge warrant, files new S-3 shelf","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Redeemed all TypTap Series A Preferred held by Centerbridge for ~$100M plus ~$2.9M accrued dividends, eliminating future 9.5% dividends.","Extended warrant for 750K HCI shares: 450K shares expire in 150K increments Dec 2026-2028; 300K shares expire Feb 2025 unchanged.","Funded with cash on hand and $50M from existing Fifth Third Bank credit facility.","Filed new S-3 shelf registration and at-the-market facility to raise up to $75M, though no immediate plans to issue shares.","One-time non-cash deemed dividend from warrant extension recognized in Q1 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242233,"accession_number":"0000950170-24-003653","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2024-01-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"HCI Group redeems remaining $24M convertible notes; 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JMP Securities (Citizens) lead book-runner."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":259642,"accession_number":"0000950170-23-062140","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-11-09T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"HCI Group extends credit facility to $75M, matures Nov 2028, SOFR-based pricing","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Maximum revolving line increased to $75,000,000; facility matures November 3, 2028.","Borrowing rate based on 1- or 3-month SOFR plus 10 basis point adjustment.","Maximum Debt-to-Capital Ratio set at 67.5% under amended credit agreement.","Includes $50,000,000 Centerbridge Advance Cap for refinancing existing Centerbridge debt.","Credit agreement amends and restates prior June 2, 2023 facility with Fifth Third Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":259641,"accession_number":"0000950170-23-060319","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q3 net income $15.7M ($1.34 EPS) vs $51.5M loss a year ago; gross loss ratio improves to 32%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Pre-tax income of $20.1M vs pre-tax loss in Q3 2022; adjusted diluted EPS of $1.41 vs loss of $5.62.","Gross premiums earned rose 3.6% to $188.3M; net investment income (ex-real estate) nearly doubled to $9.4M.","Loss and loss adjustment expenses fell to $66.7M from $139.8M, helped by lower claims frequency and litigation.","Management cites Florida insurance reforms for improved loss trends; plans to expand by assuming policies from Citizens.","Year-to-date net income $48.3M ($4.16 diluted EPS) vs loss of $57.3M in 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":4.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":388000000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":259640,"accession_number":"0000950170-23-059455","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-11-06T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"HCI subsidiary TypTap signs Assumption Agreement to assume policies from Florida's Citizens Property Insurance","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Agreement effective Oct 31, 2023, covers policy assumptions during calendar year 2023.","TypTap may assume policies from Florida's state-backed insurer under OIR-approved depopulation plan.","TypTap must offer coverage to each assumed policy for at least three years using approved rates and forms.","Office of Insurance Regulation issued consent order Sep 29, 2023, approving TypTap's assumption plan.","TypTap must remain licensed, comply with Florida statutes, and report regulatory or financial issues to Citizens."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":259639,"accession_number":"0000950170-23-051149","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-10-02T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"HCI unit signs agreement to assume policies from Florida's Citizens Property Insurance","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Homeowners Choice Property & Casualty entered an Assumption Agreement with Citizens Property Insurance Corp. to assume policies under Florida's depopulation program.","Agreement effective Sept. 26, 2023, covers Assumptions from Jan. 1, 2023, through Dec. 31, 2023; Insurer must offer coverage for at least three years.","Assumptions require approval from the Florida Office of Insurance Regulation; Insurer must maintain compliance with all conditions.","If Insurer default occurs (e.g., regulatory action), Citizens may prohibit further Assumptions; Insurer bears costs of audits.","Insurer must appoint or have limited servicing agreements with agents of record for selected policies and pay commissions per Florida law."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":276904,"accession_number":"0000950170-23-049205","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-09-21T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"HCI Group sets CEO cash bonus plan tied to 2023 EBT threshold of $35M, awards 150K option","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Paresh Patel eligible for cash bonus up to $2.4M if consolidated 2023 pre-tax earnings exceed $35M threshold.","Bonus paid in three equal installments through March 2026; forfeited if 2023 accident year claims materially exceed recorded losses.","Bonus subject to clawback upon restatement for material noncompliance; committee retains discretion to adjust.","Also granted option for 150K shares at $70, vesting when closing price exceeds $80 for 20 consecutive trading days, 10-year term."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":276903,"accession_number":"0000950170-23-039892","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group swings to Q2 net income of $14.9M from prior-year loss; gross loss ratio improves to 34%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $14.9M ($1.28 diluted EPS) vs net loss of $8.5M ($1.04 loss) in Q2 2022.","Adjusted net income of $14.2M ($1.22 diluted EPS) vs adjusted net loss of $5.4M ($0.71 loss).","Gross loss ratio improved to 34.0% from 47.9% YoY on lower claim and litigation frequency.","Net investment income rose to $8.8M from $3.7M, boosted by higher yields and a real estate gain.","Gross premiums earned $182.0M (slight YoY increase); ceded premium ratio was 36.5%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":256356000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":276902,"accession_number":"0000950170-23-032264","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-07-07T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"HCI subsidiary TypTap amends articles to authorize new preferred and common shares for exchange by investor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["TypTap authorized 1M additional shares of nonvoting Series A-2 Preferred Stock and 1M shares of non-voting Common Stock.","CB Snowbird Holdings exchanged 1M shares of TTIG Series A-1 Preferred for equal number of Series A-2 Preferred; net shares unchanged.","Amendment enables exchange of Series A-1 for Series A-2, with Series A-2 carrying no voting rights.","No change in total issued and outstanding shares of TTIG capital stock following the exchange.","Exhibit 10.1 details rights of Series A Preferred including dividends, liquidation preference, and conversion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294736,"accession_number":"0000950170-23-028023","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-06-14T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"HCI Group sets non-employee director compensation: $100K cash, 500 restricted shares annually","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Each non-employee director receives $100,000 cash per year, paid quarterly, plus 500 restricted common shares.","Restricted shares subject to transfer restrictions until May 21, 2024; directors receive dividends and ownership rights during restriction.","Director Eric Hoffman waived his compensation under the plan.","Compensation committee established plan on June 8, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294735,"accession_number":"0000950170-23-027719","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-06-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"HCI shareholders elect four directors, ratify FORVIS as auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Wayne Burks (6.97M for), Jay Madhu (6.82M), Anthony Saravanos (7.05M), Peter Politis (6.92M) elected to board.","Ratification of FORVIS LLP as independent auditor for FY2023 approved: 7.65M for, 139K against.","Advisory vote on executive compensation passed: 6.95M for, 157K against, 684K broker non-votes.","All three proposals received majority support with no material opposition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294734,"accession_number":"0000950170-23-027024","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-06-08T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"HCI Group extends Fifth Third revolving credit facility to Dec 2024; max leverage covenant set","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Term extended one year to December 31, 2024; maximum line unchanged at $50M.","Maximum Debt-to-Capital Ratio set at 67.5% through Dec 31, 2023, then 65% thereafter.","Borrowing rate based on SOFR plus 10 bps adjustment; Prior Credit Agreement amended.","Other terms from prior agreement remain largely unchanged."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294733,"accession_number":"0000950170-23-025093","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-05-31T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"HCI Group secures 2023-2024 reinsurance with $2.4B total coverage; premiums $266.6M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Tower 1 (Homeowners Choice FL) provides $992.8M single-event coverage, retention $12.5M; total all-occurrence limit $1.42B.","Tower 2 (TypTap & non-FL HCI) provides $684.2M (FL) / $337M (non-FL) single-event coverage, retention $9.0M; total $990.8M.","Claddaugh subsidiary to contribute $39.4M capital at risk and collect ~$28.0M in premiums from subsidiaries.","HCI obligated to use RAP coverage for both towers after deferral in prior year; RAP provides no-premium layers.","Total net ceded premiums to third parties estimated at $266.6M assuming no losses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294732,"accession_number":"0000950170-23-019745","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2023-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q1 net income $17.8M ($1.54 EPS) vs $2.8M year ago; 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full-year net loss of $54.6M on Hurricane Ian","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2022 diluted EPS $0.18 vs $0.01 in Q4 2021; adjusted diluted EPS $0.06 vs ($0.14).","Full-year 2022 net loss per share $6.24; adjusted loss per share $5.48.","Gross premiums earned Q4 $183M (+16.6% YoY); gross loss ratio improved to 39.4%.","Florida tort reform cited as positive for future market; Hurricane Ian drove FY loss.","Net investment income Q4 $7.4M, up from $2.6M, on higher interest rates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":333675,"accession_number":"0000950170-22-026163","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2022-12-07T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"HCI Group amends credit facility; 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gross premiums up 21%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $51.5M ($5.66 loss per share) vs net loss of $4.9M ($0.72 loss per share) in Q3 2021.","Gross premiums earned $181.7M (+21% YoY); gross written premiums $191.2M (+10% YoY).","Hurricane Ian claims consistent with prior disclosure; loss ratio excluding Ian improved to 41.4% from 47.9% in Q2 2022.","Net investment income $18.5M, up from $2.5M, driven by $13.4M gain on property sale.","Year-to-date net loss $57.3M vs net income $5.8M in prior year."],"consensus_eps_estimate":null,"consensus_eps_actual":-6.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":379620000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":351136,"accession_number":"0000950170-22-015568","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2022-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HCI Group Q2 2022 net loss $8.5M vs profit $3.8M YoY; gross premiums earned up 30%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $8.5M ($1.04 per share) vs net income of $3.8M ($0.24) in Q2 2021.","Adjusted net loss of $5.4M ($0.71 per share) vs adjusted net income of $2.7M ($0.11) last year.","Gross premiums earned $181.1M, up 29.9% YoY; Homeowners Choice and TypTap both grew.","Implemented 10% rate increase at Homeowners Choice and 12% at TypTap effective Aug 2022.","Raised $170M via convertible note offering in May 2022 for strategic flexibility."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":252966000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":368414,"accession_number":"0000950170-22-011729","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2022-06-16T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"HCI Group secures $935.7M Florida reinsurance for Homeowners Choice; net ceded premiums $247.3M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Homeowners Choice tower: up to $935.7M per-event FL coverage, $14M retention; total all-occurrence $1.33B.","TypTap tower: up to $637.3M per-event FL coverage, $10M retention; total all-occurrence $902.3M.","Expansion states tower: up to $525M per-event outside FL, $10M retention; total all-occurrence $1.03B.","Total net reinsurance premiums ceded estimated ~$247.3M for June 1, 2022–May 31, 2023, assuming no losses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":368413,"accession_number":"0000950170-22-011274","cik":1400810,"company_name":"HCI Group, Inc.","ticker":"HCI","form_type":"8-K","filed_at":"2022-06-07T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"HCI Group's auditor Dixon Hughes Goodman merges with BKD to form FORVIS, LLP","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Dixon Hughes Goodman LLP merged with BKD, LLP effective June 1, 2022.","The combined firm, FORVIS, LLP, will remain HCI Group's independent registered public accounting firm.","Exhibit 16.1 includes a letter from FORVIS to the SEC regarding the change."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":1987480590.2515244,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-06-07T23:59:59+00:00|368413"}