{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-071719","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2026-02-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.990016+00:00","generated_at":"2026-05-16T00:11:20.871581+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"HCI Group Q4 pre-tax income $144M, EPS $7.25; full year EPS $22.72","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-071719","json":"https://secwatch.observer/filing/0001193125-26-071719.json","markdown":"https://secwatch.observer/filing/0001193125-26-071719.md","text":"https://secwatch.observer/filing/0001193125-26-071719.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000119312526071719/0001193125-26-071719-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000119312526071719/hci-20260225.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T00:11:20.871581+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"}