{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-269720","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2025-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.309365+00:00","generated_at":"2026-05-16T23:34:50.315937+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"HCI Group Q3 2025 diluted EPS $4.90 vs $0.52; pre-tax income $90.6M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-269720","json":"https://secwatch.observer/filing/0001193125-25-269720.json","markdown":"https://secwatch.observer/filing/0001193125-25-269720.md","text":"https://secwatch.observer/filing/0001193125-25-269720.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000119312525269720/0001193125-25-269720-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000119312525269720/hci-20251106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T23:34:50.315937+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}