---
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"
generated_at: "2026-05-16T23:34:50.315937+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# HCI Group Q3 2025 diluted EPS $4.90 vs $0.52; pre-tax income $90.6M

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1400810/000119312525269720/0001193125-25-269720-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1400810/000119312525269720/hci-20251106.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-269720
- JSON: https://secwatch.observer/filing/0001193125-25-269720.json
- Plain text: https://secwatch.observer/filing/0001193125-25-269720.txt

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