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AI brief of an SEC Form 8-K · HCI Group (HCI)

HCI Group posts Q4 2025 diluted EPS of $7.25 vs $0.23; full-year EPS $22.72

Positive Impact 3 of 5 earnings Written later

HCI Group reported fourth-quarter 2025 pre-tax income of $144 million and diluted earnings per share of $7.25, compared with $6 million pre-tax and $0.23 per share a year earlier. For full-year 2025, pre-tax income was $429 million and diluted EPS was $22.72, versus $8.89 in 2024, with lower hurricane-related losses a key factor in the improvement. The company also said it plans a share buyback program, which it has not yet announced.

Key points

  • Q4 2025 gross premiums earned were $332 million, up from $297 million in Q4 2024.
  • Q4 2025 gross loss ratio was 15.6%, compared with 37.2% in Q4 2024, which included a net $78 million loss from Hurricane Milton.
  • Full-year 2025 net income after noncontrolling interests was $299 million, compared with $110 million in 2024.
  • Management said it plans a share buyback program that is soon to be announced; the filing gives no amount.

The filing

CompanyHCI Group (HCI)
Form8-K, current report
Filed with the SECFeb 25, 2026, 4:26 PM ET
Accession number0001193125-26-071719

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:56 AM ET, from this filing 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 February 25, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.