The earnings call reflected a strong financial performance for HCI Group, with significant growth in earnings, improved financial metrics, and a strategic move towards an IPO for Exzeo. Despite minor concerns like a soft condo market and a slight increase in the gross loss ratio, the overall outlook remains positive.

Company Guidance

During HCI Group's Second Quarter 2025 earnings call, several key financial metrics and strategic developments were highlighted. The company reported earnings of $5.18 per share, and pre-tax income for the quarter was over $94 million, leading to a year-to-date pre-tax income of $195 million. The net combined ratio improved to 62%, and total shareholders' equity rose to $759 million, marking a 65% increase year-to-date. The gross loss ratio decreased to 21.3%. The company's debt-to-capital ratio was reduced to below 10%, and interest expense is expected to be less than $1 million per quarter. HCI's in-force premium grew by over $460 million to approximately $1.2 billion since the end of 2022, supported by a technology-driven retention ratio of about 90%. The company also successfully placed its reinsurance program for the 2025-2026 treaty year, with premium ceded to reinsurance projected at $106 million per quarter. Looking forward, HCI aims to sustain growth and shareholder value through its technology and experienced team, while also planning an initial public offering for its Exzeo subsidiary.

Strong Earnings Growth

HCI reported earnings of $5.18 per share, an increase from $4.24 per share in the second quarter last year.

Improved Financial Metrics

The net combined ratio improved to 62%, and total shareholders' equity grew to $759 million, up 65% year-to-date.

Debt Reduction

HCI reduced its debt-to-capital ratio to less than 10% and redeemed the remaining balance of its 4.75% convertible notes.

Growth in In-Force Premium

In-force premium grew by more than $460 million to approximately $1.2 billion since the end of 2022.

Exzeo IPO Plans

Exzeo is moving forward with plans to become a separate publicly traded entity, having confidentially submitted a draft registration statement with the SEC.

HCI Group (HCI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

HCI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 06, 2025	2025 (Q3)	1.87 / -	0.47	―	―	―
Aug 07, 2025	2025 (Q2)	4.52 / 5.18	4.21	23.04% (+0.97)	―
May 08, 2025	2025 (Q1)	4.85 / 5.35	3.65	46.58% (+1.70)	―
Feb 27, 2025	2024 (Q4)	-2.98 / 0.31	3.22	-90.37% (-2.91)	―
Nov 07, 2024	2024 (Q3)	0.27 / 0.47	1.41	-66.67% (-0.94)	―
Aug 08, 2024	2024 (Q2)	3.48 / 4.21	1.22	245.08% (+2.99)	―
May 08, 2024	2024 (Q1)	2.80 / 3.65	1.5	143.33% (+2.15)	―
Mar 07, 2024	2023 (Q4)	1.41 / 3.22	0.06	5266.67% (+3.16)	―
Nov 07, 2023	2023 (Q3)	0.22 / 1.41	-5.62	125.09% (+7.03)	―
Aug 08, 2023	2023 (Q2)	0.44 / 1.22	-0.71	271.83% (+1.93)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HCI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 07, 2025	$137.53	$139.97	+1.77%
May 08, 2025	$154.10	$166.30	+7.92%
Feb 27, 2025	$123.34	$131.00	+6.21%
Nov 07, 2024	$114.11	$117.30	+2.80%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does HCI Group Inc (HCI) report earnings?

HCI Group Inc (HCI) is schdueled to report earning on Nov 06, 2025, After Close (Confirmed).

What is HCI Group Inc (HCI) earnings time?

HCI Group Inc (HCI) earnings time is at Nov 06, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is HCI EPS forecast?

HCI EPS forecast for the fiscal quarter 2025 (Q3) is 1.87.

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