HCI Group Inc (HCI)
NYSE:HCI
Earnings Data
Report Date
May 13, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
5.38Last Year’s EPS
5.35Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong, broad-based financial performance: robust earnings, double-digit premium growth, materially low loss and combined ratios, a strengthened balance sheet, significant liquidity and a high ROE. Strategic milestones (Exzeo IPO, Citizens policy assumptions, disciplined reinsurance positioning) and an $80 million buyback reinforce shareholder-focused capital deployment. The primary negatives are competitive rate pressure, an acknowledged softening of pricing (including a 3.5% rate reduction in one product), M&A valuation friction, exposure to potential hurricane losses, and some one-time accounting noise in Q4 expense reporting. Overall, the positives materially outweigh the negatives.Company Guidance
Strong Profitability (Pretax Income & EPS)
Pretax income of $144 million in Q4 and $429 million for the full year; diluted EPS of $7.25 for the quarter and $22.72 for the year, reflecting strong earnings generation.
Premium Growth
Gross premiums earned up 12% in Q4 year-over-year and up 14% for the full year; gross written premiums in Q4 were $333 million. Gross premiums in force were up approximately 11-12% versus the end of last year.
Low and Improving Loss Ratios
Reported gross loss ratio of 15.6% in Q4; normalized Q4 loss ratio 17.5% and normalized full-year loss ratio 20%. Management notes a multi-year trend of declining claims and litigation frequency and a multi-year trajectory to lower loss ratios.
Very Strong Combined Ratio
Reported combined ratio of less than 45% in Q4; adjusted/normalized combined ratio below 60% for the quarter after removing accounting noise.
Robust Balance Sheet & Liquidity
Shareholder equity exceeded $1 billion (tripled in 2 years); book value per share over $80 (pro forma including unrealized gains ~ $140); consolidated cash over $1.2 billion; cash from operations > $0.75 billion over past 2 years; holding company liquidity $175 million; underwriter surplus > $0.5 billion; gross leverage ratio 2.5.
High Returns on Capital
After-tax return on equity over the past 3 years above 35%, achieved during a period that included three hurricanes.
Strategic Asset Creation — Exzeo IPO
Completed IPO of Exzeo; HCI owns ~82% of outstanding Exzeo shares representing an ~ $1.2 billion stake, which management cites as a valuable non-insurance asset and driver of pro forma book value.
Citizens Assumptions and Policy Acquisitions
Assumed 47,000 policies from Citizens in Q4 (>$175 million of in-force premiums) and 60,000 policies for the full year, prefunding growth for 2026 and putting the company ahead of 2025 on in-force premiums.
Prudent Reinsurance Positioning and Capital Actions
Management purposely avoided locking multiyear reinsurance/cat bonds ahead of market softening and reports early indications that decision was favorable; announced intention to launch an $80 million share repurchase program to deploy capital at attractive returns.
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 |
|---|---|---|---|
Feb 25, 2026 | $163.50 | $170.20 | +4.10% |
Nov 06, 2025 | $194.05 | $180.51 | -6.98% |
Aug 07, 2025 | $136.85 | $139.28 | +1.78% |
May 08, 2025 | $153.34 | $165.48 | +7.92% |
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 May 13, 2026, After Close (Confirmed).
What is HCI Group Inc (HCI) earnings time?
HCI Group Inc (HCI) earnings time is at May 13, 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 (Q1) is 5.38.