---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-209071"
form_type: "8-K"
ticker: "HCI"
cik: "0001400810"
company_name: "HCI Group, Inc."
filed_at: "2026-05-06T23:59:59+00:00"
generated_at: "2026-05-14T22:34:54.538449+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# HCI Group Q1 2026 pre-tax income $115M; diluted EPS $5.45, up from $5.35 YoY

## Summary
- Pre-tax income $115M vs $100M YoY; net income after noncontrolling interests $73M vs $70M.
- Gross premiums earned $326M (+8.7% YoY) driven by higher policy count; gross loss ratio 20.1%.
- Net investment income $17M vs $14M YoY; losses and LAE $66M vs $59M due to higher volume and Northeast weather.
- Share repurchase: 110,071 shares for $17.5M in Q1; total 239,435 for $37.5M under $80M program.
- Management cites record Q1 for earned premiums, net income, EPS; plans continued buyback and balance sheet strengthening.

## SEC filing metadata
- accession: 0001193125-26-209071
- form_type: 8-K
- ticker: HCI
- cik: 0001400810
- company_name: HCI Group, Inc.
- filed_at: 2026-05-06T23:59:59+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/1400810/000119312526209071/0001193125-26-209071-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1400810/000119312526209071/hci-20260506.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-209071
- JSON: https://secwatch.observer/filing/0001193125-26-209071.json
- Plain text: https://secwatch.observer/filing/0001193125-26-209071.txt

## Source-grounded claims
- claim_id: 0dfc71e7612fd75fbdabbf68f2237e8e57ed528a
  claim: HCI Group, Inc. reported the three months ended March 31, 2026 results: net income net income of $85 million, EPS Diluted earnings per share were $5.45.
  evidence_excerpt: HCI Group, Inc. (NYSE:HCI) , reported pre-tax income of $115 million and net income of $85 million in the first quarter of 2026
  evidence_url: https://www.sec.gov/Archives/edgar/data/1400810/000119312526209071/0001193125-26-209071-index.htm

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