HCI(HCI) - 2025 Q4 - Annual Results

Exhibit 99.1 Fourth Quarter Pre-Tax Income of $144 million and Diluted EPS of $7.25 Full Year 2025 Pre-Tax Income of $429 million and Diluted EPS of $22.72 Gross Loss Ratio of 15.6% for the fourth quarter and 19.6% for the full year 2025 Tampa, Fla. – February 25, 2026 – HCI Group, Inc. (NYSE:HCI), reported pre-tax income of $144 million and net income of $108 million in the fourth quarter of 2025 compared with pre-tax income of $6 million and net income of $4 million in the fourth quarter of 2024. Net inco ...