HCI Group, Inc.(HCI)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
HCI Group, Inc. (HCI) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores HCI at 75.0/100 on a 32-signal composite quality model, placing it at rank #103 of 2,960 stocks — the top 5% of the AI-ranked universe. HCI scores in the top quartile across profitability (94.0), free cash flow (92.3), balance sheet strength (89.5). Based on the latest XBRL financial filings (Q2 2026), HCI Group, Inc. reports quarterly revenue of $246.7M, net income of $73.8M, an operating margin of 45.0%. Top institutional holders of HCI by reported 13-F value include BlackRock, Khrom Capital Management, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. HCI trades on the NYSE exchange and files with the SEC under CIK 1400810. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate HCI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for HCI Group, Inc. directly from SEC EDGAR.
AI Quality Score
75.0/100
AI Rank
#103
Revenue
$246.7M
Net Income
$73.8M
Free Cash Flow
$124.8M
Operating Margin
45.0%
HCI key financials by period
HCI Group, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$900.9M
$299.0M
47.6%
FY 2024
10-K
$750.1M
$110.0M
23.1%
FY 2023
10-K
$550.7M
$79.0M
21.4%
FY 2022
10-K
$499.6M
$-58.5M
-13.7%
FY 2021
10-K
$407.9M
$1.9M
2.8%
FY 2020
10-K
$310.4M
$27.6M
11.9%
Institutions holding HCI
Institutional investors reporting a position in HCI Group, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Q2 net income rose 18% YoY to $82.9M on 6% gross premium growth to $320.8M, with combined ratio improving to 42.0% from 40.9% as policy volume expanded.
Biggest Revenue Drivers
Net premiums earned$219.0M+9% YoY
Higher volume of policies in force from Citizens assumption in Q1 and Q4 2025; average premium per policy relatively consistent.
Net investment income$18.9M+15% YoY
Increase in invested assets as portfolio grew.
Biggest Revenue Drivers
Total revenue: $246.7M+11% YoY
Net premiums earned$219.0M+9% YoY
Higher volume of policies in force from Citizens assumption in Q1 and Q4 2025; average premium per policy relatively consistent.
Net investment income$18.9M+15% YoY
Increase in invested assets as portfolio grew.
Other revenue$5.1M+100% YoY
Addition of new insurance carrier customers to Exzeo's technology platform.
Net realized and unrealized investment gains$1.97MN/A
Combination of net realized gains and unrealized gains on equity securities.
Largest Expense Items
Losses and loss adjustment expenses$71.1M+10% YoY
Increase driven by higher volume of policies in force.
General and administrative personnel expenses$23.9M+20% YoY
Additional personnel, annual merit increases, stock-based compensation, and lower reinsurance recoveries on catastrophe claims processing.
Policy acquisition and other underwriting expenses$32.3M+6% YoY
Higher volume of premiums in force; amortization of deferred acquisition costs and premium taxes.
Interest expense$1.1M-71% YoY
Conversion of $172.5M of 4.75% convertible senior notes in Q2 2025 reduced ongoing debt servicing.
Margins: Net combined ratio on gross premiums improved slightly to 42.0% from 40.9% YoY, driven by higher policy volume and stable underwriting performance despite claims severity reflecting hurricane season exposure and prior-year reserve development.
Watch Items from the Filing
HCI ownership of Exzeo diluted from 100% at IPO (Nov 2025) to 83.1% as of June 30, 2026; Exzeo's net income attributable to noncontrolling interests tripled YoY to $9.1M in Q2.
Gross loss ratio increased 90 basis points YoY to 22.2% in Q2 2026; prior-period reserve development included $100.9M reduction for 2025 and prior years.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
