HCI Group Q1 EPS $5.35 beats $3.81 YoY; plans tax-free spin-off of Exzeo

HCI Group, Inc.

2025-Q1 EPS reported $5.35 revenue$216,433,000

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.

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