NYSE : HCI
HCI Group, Inc. — Financial statements
Financials · Insurance - Property & Casualty · United States
Last price 197.87 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 2.46B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 868.36M | 828.52M | 682.20M | 500.59M | 467.85M | 381.30M |
| Total Interest & Dividend Income | 71.97M | 66.23M | 58.55M | 45.57M | 27.99M | 6.97M |
| Gain (Loss) on Sale of Investments | 3.08M | 2.88M | 6.03M | 1.22M | -8.34M | 7.83M |
| Other Revenue | 8.72M | 3.31M | 3.27M | 3.29M | 8.95M | 11.81M |
| Total Revenue | 952.13M | 900.95M | 750.05M | 550.67M | 496.45M | 407.92M |
| Policy Benefits | 254.75M | 241.83M | 374.71M | 254.58M | 371.46M | 227.53M |
| Policy Acquisition & Underwriting Costs | 128.70M | 122.43M | 99.40M | 90.82M | 104.98M | 93.73M |
| Selling, General & Administrative | 12.00M | 10.97M | 10.19M | 9.35M | 15.11M | 13.75M |
| Other Operating Expenses | 25.72M | 24.96M | 26.02M | 22.63M | 24.98M | 21.84M |
| Total Operating Expenses | 487.14M | 461.33M | 563.28M | 421.90M | 557.93M | 388.53M |
| Operating Income | 464.99M | 439.61M | 186.77M | 128.77M | -61.48M | 19.39M |
| Interest Expense | -4.04M | -9.16M | -13.34M | -11.12M | -7.77M | -6.40M |
| EBT Excluding Unusual Items | 460.96M | 430.45M | 173.43M | 117.65M | -69.25M | 12.99M |
| Asset Writedown | -2.28M | |||||
| Other Unusual Items | -1.12M | 3.12M | -1.75M | |||
| Pretax Income | 460.96M | 429.33M | 173.43M | 117.65M | -68.42M | 11.23M |
| Income Tax Expense | 117.13M | 108.94M | 45.85M | 28.39M | -13.81M | 3.99M |
| Earnings From Continuing Ops. | 343.83M | 320.39M | 127.58M | 89.26M | -54.60M | 7.24M |
| Minority Interest in Earnings | -33.46M | -21.39M | -17.63M | -10.22M | -3.91M | -5.39M |
| Net Income | 310.37M | 299.00M | 109.95M | 79.03M | -58.51M | 1.86M |
| Preferred Dividends & Other Adjustments | 12.54M | 12.04M | 4.11M | 2.62M | -3.46M | 24.00K |
| Net Income to Common | 297.83M | 286.96M | 105.84M | 76.41M | -55.05M | 1.83M |
| Shares Outstanding (Basic) | 12.44M | 11.68M | 10.00M | 8.37M | 8.82M | 8.09M |
| Shares Outstanding (Diluted) | 12.85M | 12.88M | 12.69M | 11.04M | 8.82M | 8.58M |
| EPS (Basic) | 23.94 | 24.58 | 10.59 | 9.13 | -6.24 | 0.23 |
| EPS (Diluted) | 23.21 | 22.72 | 8.89 | 7.62 | -6.24 | 0.21 |
| Free Cash Flow | 409.37M | 440.82M | 327.76M | 224.16M | -6.35M | 93.19M |
| Free Cash Flow Per Share | 31.86 | 34.23 | 25.84 | 20.30 | -0.72 | 10.86 |
| Dividend Per Share | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 |
| Operating Margin | 48.84% | 48.79% | 24.90% | 23.38% | -12.38% | 4.75% |
| Profit Margin | 31.28% | 31.85% | 14.11% | 13.88% | -11.09% | 0.45% |
| Free Cash Flow Margin | 42.99% | 48.93% | 43.70% | 40.71% | -1.28% | 22.84% |
| EBITDA | 471.57M | 448.46M | 189.88M | 135.82M | -54.30M | 24.01M |
| EBITDA Margin | 49.53% | 49.78% | 25.31% | 24.66% | -10.94% | 5.89% |
| D&A For EBITDA | 6.58M | 8.85M | 3.10M | 7.05M | 7.18M | 4.62M |
| EBIT | 464.99M | 439.61M | 186.77M | 128.77M | -61.48M | 19.39M |
| EBIT Margin | 48.84% | 48.79% | 24.90% | 23.38% | -12.38% | 4.75% |
| Effective Tax Rate | 25.41% | 25.37% | 26.43% | 24.13% | 35.53% | |
| Revenue as Reported | 952.13M | 900.95M | 750.05M | 550.67M | 499.56M | 407.92M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 1.09B | 597.33M | 718.54M | 383.24M | 483.81M | 42.13M |
| Investments in Equity & Preferred Securities | 75.43M | 83.58M | 77.00M | 69.12M | 60.39M | 80.68M |
| Other Investments | 5.00M | 5.00M | ||||
| Total Investments | 1.27B | 789.65M | 874.66M | 520.25M | 615.59M | 196.72M |
| Cash & Equivalents | 872.34M | 1.21B | 532.47M | 536.48M | 234.86M | 628.94M |
| Reinsurance Recoverable | 255.74M | 289.90M | 558.44M | 394.58M | 704.68M | 79.71M |
| Other Receivables | 78.88M | 58.83M | 51.05M | 153.21M | 47.06M | 76.12M |
| Deferred Policy Acquisition Cost | 68.21M | 59.72M | 54.30M | 42.91M | 45.52M | 57.70M |
| Property, Plant & Equipment | 27.50M | 28.94M | 29.54M | 30.66M | 18.69M | 16.44M |
| Other Intangible Assets | 1.92M | 2.68M | 5.21M | 7.66M | 10.58M | 10.64M |
| Restricted Cash | 4.38M | 3.75M | 3.71M | 3.29M | 2.90M | 2.40M |
| Other Current Assets | 50.13M | 92.06M | 89.52M | 69.94M | 29.61M | |
| Long-Term Deferred Tax Assets | 1.09M | 2.24M | 72.00K | 512.00K | ||
| Long-Term Deferred Charges | 833.00K | 832.00K | 505.00K | |||
| Other Long-Term Assets | 64.25M | 32.97M | 28.70M | 31.41M | 52.67M | 78.08M |
| Total Assets | 2.65B | 2.53B | 2.23B | 1.81B | 1.80B | 1.18B |
| Accrued Expenses | 82.89M | 61.35M | 51.18M | 19.72M | 14.53M | 15.45M |
| Unpaid Claims | 558.98M | 576.50M | 845.90M | 585.07M | 863.76M | 237.16M |
| Unearned Premiums | 703.77M | 662.63M | 603.57M | 517.05M | 386.63M | 380.51M |
| Reinsurance Payable | 38.82M | 29.34M | 22.98M | 12.92M | 46.12M | 23.34M |
| Current Portion of Leases | 2.00K | |||||
| Short-Term Debt | 15.00M | |||||
| Current Income Taxes Payable | 16.47M | 12.78M | 5.45M | 7.70M | ||
| Long-Term Debt | 67.47M | 67.88M | 229.25M | 208.49M | 211.67M | 45.47M |
| Long-Term Leases | 1.41M | 734.00K | 2.23M | |||
| Long-Term Deferred Tax Liabilities | 1.00M | 3.81M | 2.83M | 1.70M | 11.74M | |
| Other Long-Term Liabilities | 35.62M | 23.36M | 31.48M | |||
| Total Liabilities | 1.47B | 1.41B | 1.76B | 1.39B | 1.55B | 762.40M |
| Additional Paid-In Capital | 340.85M | 428.11M | 122.29M | 89.57M | 76.08M | |
| Retained Earnings | 748.44M | 611.51M | 331.79M | 238.44M | 172.48M | 246.79M |
| Comprehensive Income & Other | -9.38M | 1.46M | -749.00K | -3.16M | -9.89M | 498.00K |
| Total Common Equity | 1.08B | 1.04B | 453.33M | 324.84M | 162.60M | 323.37M |
| Minority Interest | 99.15M | 73.57M | 15.71M | 98.48M | 92.21M | 91.09M |
| Shareholders' Equity | 1.18B | 1.11B | 469.04M | 423.32M | 254.81M | 414.46M |
| Total Liabilities & Equity | 2.65B | 2.53B | 2.23B | 1.81B | 1.80B | 1.18B |
| Filing Date Shares Outstanding | 12.44M | 12.99M | 10.77M | 9.98M | 8.60M | 10.32M |
| Total Common Shares Outstanding | 12.47M | 12.99M | 10.77M | 9.74M | 8.60M | 10.13M |
| Total Debt | 67.47M | 67.88M | 229.25M | 209.90M | 212.41M | 62.71M |
| Net Cash (Debt) | 804.87M | 1.14B | 303.22M | 326.57M | 22.45M | 566.24M |
| Net Cash Per Share | 62.65 | 88.70 | 23.90 | 29.57 | 2.55 | 65.99 |
| Book Value Per Share | 86.60 | 80.13 | 42.10 | 33.36 | 18.91 | 31.92 |
| Tangible Book Value | 1.08B | 1.04B | 448.13M | 317.18M | 152.02M | 312.73M |
| Tangible Book Value Per Share | 86.45 | 79.92 | 41.62 | 32.57 | 17.68 | 30.87 |
| Land | 6.93M | 6.93M | 6.93M | 2.13M | 2.13M | |
| Buildings | 13.55M | 13.10M | 10.30M | 6.55M | 4.00M | |
| Machinery | 10.10M | 8.63M | 23.12M | 19.70M | 15.86M | |
| Construction In Progress | 711.00K | 1.23M | ||||
| Leasehold Improvements | 866.00K | 782.00K | 620.00K |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 310.37M | 299.00M | 109.95M | 79.03M | -58.51M | 1.86M |
| Depreciation & Amortization | 6.58M | 8.85M | 3.10M | 7.05M | 7.18M | 4.62M |
| Other Amortization | 2.36M | 2.36M | 1.19M | 1.13M | 831.00K | 925.00K |
| Gain (Loss) on Sale of Assets | -354.00K | -440.00K | -8.81M | -376.00K | ||
| Gain (Loss) on Sale of Investments | -4.65M | -5.34M | -9.44M | -5.72M | 7.38M | -7.67M |
| Stock-Based Compensation | 12.00M | 10.97M | 10.19M | 9.35M | 15.11M | 13.75M |
| Change in Accounts Receivable | -11.78M | -6.91M | 7.41M | -22.99M | 33.16M | 225.00K |
| Reinsurance Recoverable | 182.25M | 268.63M | -208.22M | 338.40M | -612.07M | 8.49M |
| Change in Unearned Revenue | 32.61M | 59.06M | 86.52M | 130.42M | 6.12M | 99.75M |
| Change in Income Taxes | -5.97M | 6.46M | -2.71M | 10.51M | 1.28M | 470.00K |
| Change in Insurance Reserves / Liabilities | -137.91M | -269.40M | 260.83M | -278.69M | 626.60M | 25.00M |
| Change in Other Net Operating Assets | -7.62M | 48.37M | 53.35M | -8.10M | -40.91M | -57.33M |
| Other Operating Activities | 2.34M | -320.00K | 2.92M | -1.04M | -25.98M | 3.03M |
| Operating Cash Flow | 411.37M | 444.45M | 331.82M | 230.66M | -12.00K | 96.50M |
| Capital Expenditures | -2.00M | -3.63M | -4.05M | -6.50M | -6.34M | -3.32M |
| Sale of Property, Plant & Equipment | 14.00K | |||||
| Purchase / Sale of Intangible Assets | -1.79M | -3.80M | ||||
| Investment in Securities | -511.38M | 117.28M | -240.01M | 12.22M | -438.72M | 41.54M |
| Other Investing Activities | 14.50M | |||||
| Investing Cash Flow | -533.13M | 87.27M | -260.11M | 4.27M | -434.54M | 36.85M |
| Long-Term Debt Issued | 17.00M | 44.00M | 12.00M | 172.50M | ||
| Total Debt Issued | 17.00M | 17.00M | 44.00M | 12.00M | 172.50M | |
| Total Debt Repaid | -4.82M | -8.65M | -985.00K | -7.46M | -16.01M | -9.72M |
| Net Debt Issued (Repaid) | 12.18M | 8.35M | 43.02M | 4.54M | 156.49M | -9.72M |
| Issuance of Common Stock | 11.56M | 6.67M | 2.95M | 84.57M | ||
| Repurchases of Common Stock | -86.52M | -1.52M | -1.04M | -784.00K | -88.31M | -1.31M |
| Common Dividends Paid | -20.64M | -19.29M | -16.60M | -13.72M | -15.23M | -14.06M |
| Other Financing Activities | 131.36M | 151.98M | -103.50M | -7.50M | -11.88M | 89.40M |
| Financing Cash Flow | 47.95M | 146.20M | -75.17M | 67.12M | 41.07M | 64.30M |
| Foreign Exchange Rate Adjustments | -363.00K | -229.00K | -112.00K | -42.00K | -98.00K | -54.00K |
| Net Cash Flow | -74.18M | 677.69M | -3.58M | 302.00M | -393.58M | 197.60M |
| Free Cash Flow | 409.37M | 440.82M | 327.76M | 224.16M | -6.35M | 93.19M |
| Free Cash Flow Margin | 42.99% | 48.93% | 43.70% | 40.71% | -1.28% | 22.84% |
| Free Cash Flow Per Share | 31.86 | 34.23 | 25.84 | 20.30 | -0.72 | 10.86 |
| Levered Free Cash Flow | 423.20M | 403.76M | 440.80M | 98.17M | -12.46M | 190.93M |
| Unlevered Free Cash Flow | 423.36M | 407.12M | 447.94M | 103.99M | -8.43M | 194.00M |
| Cash Interest Paid | 3.85M | 5.68M | 12.67M | 9.25M | 6.16M | 7.11M |
| Cash Income Tax Paid | 119.10M | 104.39M | 46.15M | 18.99M | 146.00K | 2.38M |
| Change in Working Capital | 48.70M | 107.14M | 195.85M | 138.95M | 49.13M | 76.24M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 2.46B | 2.48B | 1.23B | 851.12M | 346.69M | 856.34M |
| Enterprise Value | 1.66B | 1.60B | 954.27M | 831.80M | 294.39M | 456.61M |
| PE Ratio | 8.53 | 8.66 | 11.60 | 11.14 | 467.43 | |
| PS Ratio | 2.59 | 2.76 | 1.64 | 1.55 | 0.70 | 2.10 |
| PB Ratio | 2.28 | 2.23 | 2.62 | 2.01 | 1.36 | 2.07 |
| P/FCF Ratio | 6.01 | 5.64 | 3.75 | 3.80 | 9.19 | |
| P/OCF Ratio | 5.98 | 5.59 | 3.70 | 3.69 | 8.87 | |
| EV/Sales Ratio | 1.74 | 1.78 | 1.27 | 1.51 | 0.59 | 1.12 |
| EV/EBITDA Ratio | 3.51 | 3.57 | 5.03 | 6.12 | 19.02 | |
| EV/EBIT Ratio | 3.56 | 3.64 | 5.11 | 6.46 | 23.55 | |
| EV/FCF Ratio | 4.05 | 3.63 | 2.91 | 3.71 | 4.90 | |
| Debt / Equity Ratio | 0.06 | 0.06 | 0.49 | 0.50 | 0.83 | 0.15 |
| Debt / EBITDA Ratio | 0.14 | 0.15 | 1.21 | 1.54 | 2.41 | |
| Debt / FCF Ratio | 0.17 | 0.15 | 0.70 | 0.94 | 0.67 | |
| Net Debt / Equity Ratio | -0.68 | -1.02 | -0.65 | -0.77 | -0.09 | -1.37 |
| Net Debt / EBITDA Ratio | -1.71 | -2.55 | -1.60 | -2.40 | 0.41 | -23.58 |
| Net Debt / FCF Ratio | -1.97 | -2.59 | -0.93 | -1.46 | 3.54 | -6.08 |
| Quick Ratio | 0.68 | 0.94 | 0.38 | 0.60 | 0.21 | 1.05 |
| Current Ratio | 0.86 | 1.20 | 0.81 | 1.03 | 0.81 | 1.22 |
| Asset Turnover | 0.38 | 0.38 | 0.37 | 0.30 | 0.33 | 0.39 |
| Return on Equity (ROE) | 34.98% | 40.46% | 28.59% | 26.32% | -16.32% | 2.35% |
| Return on Assets (ROA) | 11.62% | 11.55% | 5.78% | 4.45% | -2.58% | 1.14% |
| Return on Invested Capital (ROIC) | 27.84% | 34.89% | 20.64% | 17.76% | -13.02% | 2.90% |
| Earnings Yield | 11.73% | 12.04% | 8.96% | 9.29% | -16.88% | 0.22% |
| FCF Yield | 16.63% | 17.74% | 26.69% | 26.34% | -1.83% | 10.88% |
| Dividend Yield | 0.81% | 0.84% | 1.40% | 1.83% | 3.97% | 1.89% |
| Payout Ratio | 6.89% | 6.45% | 15.10% | 17.36% | 757.81% | |
| Buyback Yield / Dilution | -4.97% | -1.51% | -14.87% | -25.26% | -2.76% | 11.49% |
| Total Shareholder Return | -4.16% | -0.68% | -13.46% | -23.43% | 1.21% | 13.38% |