HCI Group Q4 pre-tax income $144M, EPS $7.25; full year EPS $22.72

HCI Group, Inc.

2025-FY EPS reported $22.72 revenue$900,946,000

Q4 net income after noncontrolling interests $98M vs $3M YoY; diluted EPS $7.25 vs $0.23.
Full year 2025 pre-tax income $429M, net income $320M; diluted EPS $22.72 vs $8.89 in 2024.
Gross premiums earned $1,236M in 2025, up 14% from $1,083M; gross loss ratio 19.6%.
CEO cites record earnings and successful Exzeo IPO; plans share buyback program soon.
Losses and LAE improved to $242M in 2025 from $375M in 2024, partly due to fewer catastrophe losses.

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