---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-029133"
form_type: "8-K"
ticker: "HCI"
cik: "0001400810"
company_name: "HCI Group, Inc."
filed_at: "2025-02-27T23:59:59+00:00"
generated_at: "2026-05-26T01:27:25.443411+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# HCI Group Q4 2024 diluted EPS $0.23, full year $8.89; gross premiums up 38%

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-25-029133
- form_type: 8-K
- ticker: HCI
- cik: 0001400810
- company_name: HCI Group, Inc.
- filed_at: 2025-02-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1400810/000095017025029133/0000950170-25-029133-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1400810/000095017025029133/hci-20250227.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-029133
- JSON: https://secwatch.observer/filing/0000950170-25-029133.json
- Plain text: https://secwatch.observer/filing/0000950170-25-029133.txt

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