---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-105107"
form_type: "8-K"
ticker: "HCI"
cik: "0001400810"
company_name: "HCI Group, Inc."
filed_at: "2025-08-07T23:59:59+00:00"
generated_at: "2026-05-17T17:18:03.535060+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# HCI Group Q2 pre-tax income $94.4M; diluted EPS $5.18; book value $58.55

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-25-105107
- form_type: 8-K
- ticker: HCI
- cik: 0001400810
- company_name: HCI Group, Inc.
- filed_at: 2025-08-07T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1400810/000095017025105107/0000950170-25-105107-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1400810/000095017025105107/hci-20250807.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-105107
- JSON: https://secwatch.observer/filing/0000950170-25-105107.json
- Plain text: https://secwatch.observer/filing/0000950170-25-105107.txt

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