Core Insights - HCI Group, Inc. reported a 13% increase in gross premiums earned for Q3 2025, reaching $301.1 million, up from $265.5 million in Q3 2024, driven by a higher volume of policies in force [1] - The company achieved significant profitability improvements, with pre-tax income of $90.6 million and net income of $67.9 million for Q3 2025, compared to pre-tax income of $14.1 million and net income of $9.4 million in the same period last year [3][4] - The gross loss ratio for Q3 2025 was 22%, a decrease from 39.8% in Q3 2024, reflecting lower catastrophic event activity and reduced claim frequency [2] Quarterly Performance - Premiums ceded for reinsurance decreased to $106.1 million in Q3 2025 from $109.7 million in Q3 2024 [2] - Losses and loss adjustment expenses for Q3 2025 were $66.2 million, down from $105.7 million in Q3 2024, which included net losses of $40.0 million from Hurricane Helene [2] - Policy acquisition and other underwriting expenses rose to $31.7 million in Q3 2025 from $26.1 million in Q3 2024, attributed to a higher volume of premiums in force [3] Year-to-Date Performance - For the first nine months of 2025, HCI reported pre-tax income of $285.3 million and net income of $212.4 million, compared to pre-tax income of $167.5 million and net income of $123.4 million in the same period last year [5] - Gross premiums earned increased by 15.1% to $904.1 million from $785.7 million in the first nine months of 2024, driven by a higher volume of policies in force [5] - Losses and loss adjustment expenses for the first nine months of 2025 were $189.9 million, down from $264 million in the same period last year [6] Strategic Initiatives - The company is focused on unlocking shareholder value and has established Exzeo as an independent, publicly traded entity [8]

Core Insights - HCI Group reported a revenue of $216.35 million for the quarter ended September 2025, reflecting a year-over-year increase of 23.4% [1] - The company's EPS was $4.90, significantly higher than the $0.47 reported in the same quarter last year, resulting in an EPS surprise of +100.82% [1] - The reported revenue fell short of the Zacks Consensus Estimate of $224.86 million, indicating a surprise of -3.79% [1] Financial Metrics - Expense Ratio stood at 30%, matching the average estimate based on two analysts [4] - Combined Ratio was reported at 63.9%, significantly better than the average estimate of 81.6% [4] - Loss Ratio was 33.9%, compared to the average estimate of 51.7% [4] - Net investment income reached $17.53 million, exceeding the average estimate of $16.01 million, representing a year-over-year increase of +27.8% [4] - Policy fee income was $1.57 million, surpassing the average estimate of $1.35 million, with a year-over-year change of +27.7% [4] - Net premiums earned were $194.99 million, below the average estimate of $207.01 million, but still showing a year-over-year increase of +25.1% [4] - Other income was reported at $0.43 million, lower than the average estimate of $0.49 million, reflecting a year-over-year decline of -59% [4] Stock Performance - HCI Group's shares have returned +4.4% over the past month, outperforming the Zacks S&P 500 composite, which saw a -0.2% change [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential for outperformance in the near term [3]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 HCI Group, Inc. For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-34126 (Exact name of registrant as specified in its charter) (State of Incorporation) 3802 Coconut Palm Drive Tampa, FL 33619 (Address, including zip cod ...

Insurance and technology company HCI Group (NYSE:HCI) missed Wall Street’s revenue expectations in Q3 CY2025, but sales rose 23.4% year on year to $216.4 million. Its GAAP profit of $4.90 per share was significantly above analysts’ consensus estimates. Is now the time to buy HCI? Find out in our full research report (it’s free for active Edge members). HCI Group (HCI) Q3 CY2025 Highlights: Revenue: $216.4 million vs analyst estimates of $224.7 million (23.4% year-on-year growth, 3.7% miss) EPS (GAAP): ...

HCI Group (NYSE:HCI) Q3 2025 Earnings Call November 06, 2025 04:45 PM ET Speaker2Good afternoon, and welcome to HCI Group's third quarter 2025 earnings call. My name is Ali, and I will be your conference operator. At this time, all participants will be in a listen-only mode. Before we begin today's call, I would like to remind everyone that this conference call is being recorded and will be available for replay through December 6, 2025, starting later today. The call is also being broadcast live via webcast ...

Insurance and technology company HCI Group (NYSE:HCI) missed Wall Street’s revenue expectations in Q3 CY2025, but sales rose 23.4% year on year to $216.4 million. Its GAAP profit of $4.90 per share was significantly above analysts’ consensus estimates. Is now the time to buy HCI Group? Find out in our full research report. HCI Group (HCI) Q3 CY2025 Highlights: Net Premiums Earned: $195 million vs analyst estimates of $202 million (25.1% year-on-year growth, 3.5% miss)Revenue: $216.4 million vs analyst ...

Exhibit 99.1 Losses and loss adjustment expenses in the third quarter of 2025 were $66.2 million compared with $105.7 million in the third quarter of 2024. Losses and loss adjustment expenses in the third quarter of 2024 included net losses of $40.0 million from Hurricane Helene. The gross loss ratio was 22.0% in the third quarter of 2025 compared with 39.8% in the third quarter of 2024, reflecting the lower catastrophic event activity as well as lower claim frequency on other non-catastrophic claims. Polic ...

TAMPA, Fla., Nov. 06, 2025 (GLOBE NEWSWIRE) -- HCI Group, Inc. (NYSE:HCI), reported pre-tax income of $90.6 million and net income of $67.9 million for the third quarter of 2025 compared with pre-tax income of $14.1 million and net income of $9.4 million for the third quarter of 2024. Net income after noncontrolling interests was $65.5 million compared with $5.7 million in the third quarter of 2024. Diluted earnings per share were $4.90 in the third quarter of 2025, compared with $0.52 in the third quarter ...

Core Insights - HCI Group is anticipated to report a year-over-year earnings increase driven by higher revenues for the quarter ended September 2025, with a consensus EPS estimate of $2.35, reflecting a +400% change from the previous year [1][3] - The upcoming earnings report is scheduled for November 6, and stock movement may depend on whether actual results exceed or fall short of expectations [2] Financial Performance Expectations - Revenues for HCI Group are projected to reach $224.86 million, representing a 28.3% increase compared to the same quarter last year [3] - The consensus EPS estimate has been revised 0.24% higher in the last 30 days, indicating a positive reassessment by analysts [4] Earnings Surprise Potential - HCI Group has an Earnings ESP of +87.40%, suggesting a strong likelihood of beating the consensus EPS estimate [12] - The company holds a Zacks Rank of 2, further supporting the expectation of an earnings beat [12] Historical Performance - In the last reported quarter, HCI Group exceeded the expected EPS of $4.47 by delivering $5.18, resulting in a surprise of +15.88% [13] - Over the past four quarters, HCI Group has consistently surpassed consensus EPS estimates [14] Industry Context - In comparison, American Financial Group is expected to post earnings of $2.35 per share for the same quarter, with a year-over-year change of +1.7% and revenues projected at $2.06 billion, down 9.8% from the previous year [18][19] - American Financial's consensus EPS estimate has been revised 3.4% lower, resulting in an Earnings ESP of -1.56% and a Zacks Rank of 4, indicating challenges in predicting an earnings beat [19][20]

Core Insights - Investors in HCI Group, Inc. should monitor stock movements due to significant implied volatility in the options market, particularly the Nov 21, 2025 $90.00 Put option [1] Company Overview - HCI Group is currently rated as Zacks Rank 2 (Buy) in the Insurance - Property and Casualty Industry, which is in the top 14% of the Zacks Industry Rank [3] - Over the last 60 days, one analyst has raised the earnings estimate for the current quarter from $1.64 per share to $2.35 per share, with no downward revisions [3] Market Sentiment - The high implied volatility suggests that options traders anticipate a significant price movement for HCI Group shares, indicating potential upcoming events that could lead to a rally or sell-off [2][4] - Options traders often seek high implied volatility options to sell premium, aiming to benefit from the decay of options value if the stock does not move as expected [4]