HCI Group's earnings call reflects a robust performance characterized by strong earnings growth, improved financial ratios, and significant premium growth, driven by strategic technology implementation and debt reduction efforts. Despite slight increases in the gross loss ratio and challenges in the condo market, the company's outlook remains positive, supported by plans for Exzeo's IPO and strategic positioning in competitive markets.

Company Guidance -

Q3 2025

During HCI Group's Second Quarter 2025 Earnings Call, the company reported strong financial results with earnings of $5.18 per share, a net combined ratio improved to 62%, and total shareholders' equity growing to $759 million, up 65% year-to-date. The debt-to-capital ratio was reduced to less than 10%, reflecting a healthier financial posture. HCI also successfully placed its reinsurance program for the 2025-2026 treaty year, ensuring robust protection. The company has grown its in-force premium to approximately $1.2 billion, supported by Exzeo technology, which has enabled HCI to maintain a retention ratio of about 90% and a gross loss ratio below 25%. The call also highlighted the approval of 25,000 policy depopulations for each of the three carriers from Citizens in October and plans for Exzeo to become a separate publicly traded entity through an IPO. The company anticipates a net combined ratio of about 70% once the full effect of the new reinsurance program is reflected.

Strong Earnings Growth

Reported earnings of $5.18 per share, a significant increase from $4.24 in the second quarter of last year.

Improved Financial Ratios

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

Significant Premium Growth

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

Debt Reduction

Reduced debt-to-capital ratio to less than 10%, and interest expense will now be less than $1 million per quarter.

Exzeo Technology Impact

Exzeo's technology has allowed HCI to scale rapidly and improve the gross loss ratio to below 25%.

Exzeo IPO Plans

Exzeo confidentially submitted a draft registration statement for an initial public offering of its common stock.

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)	1.82 / -	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 1.82.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing