---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-094075"
form_type: "8-K"
ticker: "HCI"
cik: "0001400810"
company_name: "HCI Group, Inc."
filed_at: "2024-08-08T23:59:59+00:00"
generated_at: "2026-05-31T10:46:16.418714+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# HCI Group Q2 2024: Pre-tax income $76M, diluted EPS $4.24, gross loss ratio improves to 29.7%

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-24-094075
- form_type: 8-K
- ticker: HCI
- cik: 0001400810
- company_name: HCI Group, Inc.
- filed_at: 2024-08-08T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1400810/000095017024094075/0000950170-24-094075-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1400810/000095017024094075/hci-20240808.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-094075
- JSON: https://secwatch.observer/filing/0000950170-24-094075.json
- Plain text: https://secwatch.observer/filing/0000950170-24-094075.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.