---
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"
generated_at: "2026-05-16T00:11:20.871581+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1400810/000119312526071719/0001193125-26-071719-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1400810/000119312526071719/hci-20260225.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-071719
- JSON: https://secwatch.observer/filing/0001193125-26-071719.json
- Plain text: https://secwatch.observer/filing/0001193125-26-071719.txt

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