Every material Form 8-K HCI Group filed with the SEC in 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
HCI Group reported third-quarter 2026 pre-tax income of $116 million and diluted earnings per share of $6.45, up from $91 million and $4.90 a year earlier. Gross premiums earned rose 5% to $316 million, and the gross loss ratio improved to 20.7% from 22.0%, so profit grew faster than premiums.
Q3 diluted EPS was $6.45 versus $4.90 in Q3 2025; net income after noncontrolling interests was $83 million versus $66 million.
Gross premiums earned were $316 million, up 5%; the gross loss ratio was 20.7% versus 22.0%.
Nine-month diluted EPS was $17.48 versus $15.47 for the same period of 2025.
The $80 million share repurchase program, announced March 3, 2026, was completed July 17, 2026, with 504,330 shares bought in total.
HCI Group reported second-quarter 2026 pre-tax income of $111 million and net income after noncontrolling interests of $74 million, both up from the prior-year quarter. Diluted earnings per share rose to $5.60 from $5.18, and gross premiums earned increased 6% to $321 million, which shareholders can weigh against a gross loss ratio that rose to 22.2% from 21.3%.
Q2 2026 pre-tax income was $111 million, versus $94 million in Q2 2025.
Net income after noncontrolling interests was $74 million, versus $66 million; diluted EPS was $5.60, versus $5.18.
Gross premiums earned rose 6% to $321 million; gross loss and loss adjustment expense ratio was 22.2%, versus 21.3%.
HCI completed its $80 million share repurchase program on July 17, 2026, repurchasing 504,330 shares in total.
HCI Group's compensation committee established a compensation plan for its non-employee directors on June 11, 2026, as disclosed in a filing dated June 15, 2026. Each director will receive $100,000 in cash annually, paid quarterly, plus 750 restricted common shares that cannot be transferred until May 27, 2027, while directors keep dividend and ownership rights during the restriction period.
Annual cash retainer of $100,000 per non-employee director, payable quarterly
750 restricted common shares per director, subject to transfer restrictions until May 27, 2027
Directors are entitled to dividends and other ownership rights during the restriction period
Plan established by the compensation committee on June 11, 2026
HCI Group and its insurance subsidiaries and sponsored reciprocal insurers placed three reinsurance towers covering June 1, 2026 through May 31, 2027 to mitigate catastrophe risk such as hurricanes. HCI expects net reinsurance premiums ceded to third parties, excluding its reinsurance subsidiaries, of about $381.2 million for the period, an estimate subject to a true-up on September 30, 2026.
Reinsurance Tower 1 provides up to $1.06 billion for a single Florida event and $1.96 billion total coverage, with a $10.0 million retention.
Tower 2 provides up to $830.3 million for a single Florida event and $605.0 million for a single event outside Florida, with $1.45 billion total coverage.
Tower 3 provides up to $431.5 million for a single Florida event and $649.7 million total coverage, with a $2.8 million retention.
Claddaugh and Fortex Re maximum estimated retained loss is about $139.8 million for the first event and $52.3 million for the second event.
HCI Group reported first-quarter 2026 results for the three months ended March 31, 2026. Pre-tax income rose to $115 million from $100 million, and diluted earnings per share were $5.45 compared with $5.35 a year earlier, while gross premiums earned grew to $326 million from $300 million.
Net income was $85 million, up from $74 million; net income after noncontrolling interests was $73 million, up from $70 million.
Gross premiums earned were $326 million versus $300 million, driven by a higher volume of policies in force.
Losses and loss adjustment expenses rose to $66 million from $59 million; the gross loss ratio was 20.1% versus 19.7% a year earlier.
Under a program announced March 3, 2026 for up to $80 million of buybacks through February 27, 2027, HCI repurchased $17.5 million of stock in Q1 and $37.5 million through April 30, 2026.
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.
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.
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.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every HCI Group filing is on SEC EDGAR ↗. 8-K briefs of other companies →