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Financials · HCI

HCI Group Inc. (HCI) financials

For the twelve months ended Sep 30, 2026, HCI Group Inc. reported $980.69M of revenue and $338.70M of net income.

Revenue, TTM
$980.69M
Revenue growth, YoY
+20.1%
Net income, TTM
$338.70M
Net income growth, YoY
+64.8%
Net margin
34.5%
Free cash flow, TTM
$457.94M
EPS, diluted, TTM
$24.75
EPS growth, YoY
+58.0%
Cash
$743.53M
Total debt
$31.25M
P/E
6.84
P/S
2.36
Market cap
$2.32B
Annual revenue$900.95M
FY2016FY2025
Annual net income$299.00M
FY2016FY2025
Annual free cash flow$440.82M
FY2016FY2025

HCI revenue and earnings growth

HCI revenueQ3 2026$244.91M

Quarter YoY
+13.2%
QoQ
-0.7%
FY YoY
+20.1%
5Y CAGR
+23.7%
10Y CAGR
+12.2%

HCI revenue was $244.91M in fiscal Q3 2026 (ended Sep 30, 2026), up 13.2% from a year earlier and down 0.7% from the prior quarter. For the full fiscal 2025 it was $900.95M, up 20.1% from fiscal 2024. Compound annual growth was +23.7% over 5 years and +12.2% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

HCI net incomeQ3 2026$83.50M

Quarter YoY
+27.5%
QoQ
+13.1%
FY YoY
+171.9%
5Y CAGR
+61.1%
10Y CAGR
+16.3%

HCI net income was $83.50M in fiscal Q3 2026 (ended Sep 30, 2026), up 27.5% from a year earlier and up 13.1% from the prior quarter. For the full fiscal 2025 it was $299.00M, up 171.9% from fiscal 2024. Compound annual growth was +61.1% over 5 years and +16.3% over 10 years. Fiscal 2025 is the highest of the 15 fiscal years on file.

HCI EPSQ3 2026$6.45

Quarter YoY
+31.6%
QoQ
+15.2%
FY YoY
+155.6%
5Y CAGR
+45.5%

HCI diluted EPS was $6.45 in fiscal Q3 2026 (ended Sep 30, 2026), up 31.6% from a year earlier and up 15.2% from the prior quarter. For the full fiscal 2025 it was $22.72, up 155.6% from fiscal 2024. Compound annual growth was +45.5% over 5 years.

HCI free cash flowQ3 2026$74.45M

Quarter YoY
+187.7%
QoQ
-40.4%
FY YoY
+34.5%
5Y CAGR
+44.1%
10Y CAGR
+25.8%

HCI free cash flow was $74.45M in fiscal Q3 2026 (ended Sep 30, 2026), up 187.7% from a year earlier and down 40.4% from the prior quarter. For the full fiscal 2025 it was $440.82M, up 34.5% from fiscal 2024. Compound annual growth was +44.1% over 5 years and +25.8% over 10 years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$900.95M$750.05M$550.67M$499.56M$407.92M$310.44M$242.47M$231.29M$244.41M$264.45M
Interest expense-$2.0K$150.0K-------
Pre-tax income$429.33M$173.43M$117.65M-$68.42M$11.23M$36.93M$36.09M$26.90M-$15.62M$46.86M
Income tax$108.94M$45.85M$28.39M-$13.81M$3.99M$9.35M$9.52M$9.18M-$8.73M$17.84M
Net income$299.00M$109.95M$79.03M-$58.51M$1.86M$27.58M$26.58M$17.73M-$6.89M$29.02M
EPS, basic$24.58$10.59$9.13-$6.24$0.23$3.55$3.32$2.34-$0.75$2.95
EPS, diluted$22.72$8.89$7.62-$6.24$0.21$3.49$3.31$2.34-$0.75$2.92
Diluted shares12.9M12.7M11.0M8.8M8.6M9.7M10,2387.9M8.6M10.9M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$1.21B$532.47M$536.48M$234.86M$628.94M$431.34M$229.22M$239.46M$256.69M$281.13M
Short-term investments-------$66.48M$0-
Total assets$2.53B$2.23B$1.81B$1.80B$1.18B$941.31M$802.61M$832.86M$842.26M$670.06M
Total debt$31.88M$185.25M$208.50M$211.69M$45.50M$156.51M$163.69M$250.15M$237.84M$138.86M
Total liabilities$1.41B$1.76B$1.39B$1.55B$762.40M$740.18M$617.07M$651.42M$648.29M$426.32M
Shareholders' equity$1.04B$467.35M$327.17M$161.25M$324.50M$201.14M$185.54M$181.44M$193.97M$243.75M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$444.45M$331.82M$230.66M-$12.0K$96.50M$77.31M$54.05M$28.59M$16.64M$88.28M
Capital expenditures$3.63M$4.05M$6.50M$6.34M$3.32M$6.44M$2.89M$2.19M$2.34M$865.0K
Free cash flow$440.82M$327.76M$224.16M-$6.35M$93.19M$70.87M$51.16M$26.41M$14.29M$87.41M
Investing cash flow$87.27M-$260.11M$4.27M-$434.54M$36.85M$143.22M$50.46M-$17.68M-$80.16M-$49.03M
Financing cash flow$146.20M-$75.17M$67.12M$41.07M$64.30M-$16.70M-$114.72M-$27.29M$39.03M-$26.16M
Dividends paid$19.29M$16.60M$13.72M$15.23M$14.06M$12.69M$13.01M$11.32M$13.91M$12.44M
Share repurchases$1.52M$1.04M$784.0K$71.24M$1.31M$1.55M$1.20M$1.15M$30.72M$464.0K
Stock-based compensation$10.97M$10.19M$9.35M$15.11M$13.75M$8.13M$6.46M$4.63M$4.52M$4.20M
Depreciation and amortization$11.22M$4.30M$8.18M$8.01M$5.55M$8.75M$1.55M$1.37M$1.24M$1.27M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY20.1%36.2%10.2%22.5%31.4%28.0%4.8%-5.4%-7.6%-7.5%
Net income growth, YoY171.9%39.1%---93.3%3.8%49.9%---55.9%
EPS growth, YoY155.6%16.7%---94.0%-----50.5%
Net margin33.2%14.7%14.4%-11.7%0.5%8.9%11.0%7.7%-2.8%11.0%
Free cash flow margin48.9%43.7%40.7%-1.3%22.8%22.8%21.1%11.4%5.8%33.1%
Return on equity28.7%23.5%24.2%-36.3%0.6%13.7%14.3%9.8%-3.6%11.9%
Return on assets11.8%4.9%4.4%-3.2%0.2%2.9%3.3%2.1%-0.8%4.3%
Debt to equity0.030.400.641.310.140.780.881.381.230.57

Source: XBRL data HCI Group Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

HCI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
HCI$980.69M+20.1%$338.70M34.5%$2.32B
CB$61.85B+5.7%$11.23B18.2%$138.87B
PGR$91.73B+7.7%$11.62B12.7%$131.82B
TRV$48.92B+1.1%$8.33B17.0%$80.99B
ALL$70.23B+5.1%$11.61B16.5%$62.80B
AIG$27.73B+1.2%$3.29B11.9%$41.28B
HIG$29.87B+9.2%$4.61B15.4%$36.06B
ACGL$18.78B-3.9%$4.38B23.3%$35.20B
CINF$13.28B+9.9%$2.66B20.1%$28.58B

HCI FAQ

8 questions
  • What is HCI revenue?
    HCI Group Inc. (HCI) reported $980.69M of revenue for the twelve months ended Sep 30, 2026. That is up 20.1% from the year before. Revenue for fiscal 2025 was $900.95M.
  • Is HCI profitable?
    Yes. HCI Group Inc. earned $338.70M in net income for the twelve months ended Sep 30, 2026, a net margin of 34.5%.
  • How much cash and debt does HCI have?
    HCI Group Inc. reported $743.53M in cash and cash equivalents and $31.25M of debt on its most recent balance sheet in SEC filings.
  • How fast is HCI revenue growing?
    HCI Group Inc.'s revenue changed +20.1% in fiscal 2025, to $900.95M. Its compound annual growth rate was +23.7% over 5 years and +12.2% over 10 years.
  • What is HCI free cash flow?
    HCI Group Inc. generated $457.94M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $459.56M less capital expenditures.
  • What is HCI earnings per share?
    Diluted earnings per share were $24.75 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did HCI last report financial results?
    The latest statements here come from HCI Group Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this HCI financial data come from?
    Quantisnow builds these statements from the structured XBRL data HCI Group Inc. files with the SEC. It is provided for information only and is not investment advice.