HCI Group Q3 pre-tax income rises to $90.6 million; diluted EPS $4.90 vs $0.52
HCI Group reported third-quarter 2025 pre-tax income of $90.6 million and diluted earnings per share of $4.90, compared with $14.1 million and $0.52 a year earlier. The company said the gain reflects higher premiums and lower catastrophe-related losses, and that book value per share rose to $63.41 from $43.45. The company also said the separation of Exzeo as an independent, publicly traded entity was completed earlier in the week.
Key points
- Third-quarter pre-tax income was $90.6 million versus $14.1 million; net income after noncontrolling interests was $65.5 million versus $5.7 million.
- Diluted EPS was $4.90 versus $0.52 in the third quarter of 2024.
- Gross premiums earned rose 13.4% to $301.1 million; the gross loss ratio fell to 22.0% from 39.8%, reflecting lower catastrophic event activity.
- Book value per share was $63.41 at September 30, 2025, versus $43.45 a year earlier.
The filing
Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 6:56 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on November 06, 2025.
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.