HCI Group Inc (HCI)
NYSE:HCI
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Earnings Data
Report Date
Aug 06, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
5.17Last Year’s EPS
5.18Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong operating and financial results: double-digit revenue growth, 15% pretax income growth, very low loss and combined ratios, substantial balance sheet strength, and active share repurchases. Management also highlighted new reinsurance capabilities and value creation from Exzeo. The primary risks discussed were a softening rate environment, uncertainty around final reinsurance placements, and weather/catastrophe exposure. Overall, the positives — robust profitability, capital strength, and clear capital deployment plans — materially outweigh the discussed risks.Company Guidance
Strong Profitability and Earnings Growth
Pretax income increased 15% year-over-year to $115 million; diluted earnings per share were $5.45. Management characterized this as the best first quarter ever and noted record earnings and record cash flows.
Revenue and Premium Growth
Gross premiums earned grew just over 8% year-over-year; total consolidated revenue grew just over 12% driven by higher investment income and other income.
Exceptional Return on Equity and Capital Strength
After-tax return on equity reported at 35%. Stockholders' equity doubled (~+100%) year-over-year to over $1 billion. Debt-to-capital ratio is low at 6%, and gross leverage ratio is under 2.5.
Loss and Combined Ratio Performance
Loss ratio remained very low at 20%, consistent with prior year. Combined ratio was 57% for the quarter (same as 2025 full year) vs. a target of 60% ±5%, illustrating strong underwriting quality and operating efficiency.
Balance Sheet Liquidity and Surplus Improvements
Company holds just under $2 billion of cash and fixed-term securities and nearly $200 million of holding company liquidity. Total surplus grew ~22% year-over-year to well over $0.5 billion, with significant additional surplus in Claddaugh.
Share Repurchase Program Execution
Board authorized an $80 million buyback. By end of March $17.5 million (≈110,000 shares) was used; by end of April cumulative purchases reached ~239,000 shares using ~$37.5 million. Management is repurchasing roughly 2% of the company per quarter at current rates.
Value Creation from Exzeo and Other Assets
Other income (driven by Exzeo and Griston) increased significantly — management noted it roughly tripled quarter-over-quarter — and Exzeo was valued at about $1.5 billion. Pro forma book value per share including Exzeo and real estate would be ~ $145 vs. reported book value ~ $85 (management noted the stock trades only ~10% above book).
Operational Milestones and New Capabilities
Entered Q2 with $1.3 billion in premiums in force across four carriers; all four carriers are profitable inception-to-date. Licensed a new reinsurance company, Fortex Reinsurance (Cayman, Class B), adding reinsurance optionality alongside Claddaugh.
HCI Earnings History
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 |
|---|---|---|---|
May 06, 2026 | $153.52 | $152.43 | -0.71% |
Feb 25, 2026 | $163.08 | $169.76 | +4.10% |
Nov 06, 2025 | $193.55 | $180.05 | -6.98% |
Aug 07, 2025 | $136.50 | $138.93 | +1.78% |
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 Aug 06, 2026, After Close (Confirmed).
What is HCI Group Inc (HCI) earnings time?
HCI Group Inc (HCI) earnings time is at Aug 06, 2026, 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 2026 (Q2) is 5.17.