{"filings":[{"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); 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