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HCI Group HCI Q3 2025 earnings

Reported November 6, 2025 · After market close

Revenue$216.4MMiss by $16.0M
EPS$4.90Beat by $2.46
Revenue estimate$232.4M
EPS estimate$2.44

Next report

Nov 5, 2026 (in 2 months)
Revenue estimate$247.8M
EPS estimate$3.24

Financials

Q3 2025

Income statement

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Revenue$216.4M+23.4%
Net income$65.5M+1,053%
EPS (diluted)$4.90+842%

Balance sheet

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Cash & equivalents$987.9M+90.4%
Total debt$997.0K-20.2%
Total equity$821.8M+80.5%
Total assets$2.3B+18.1%

Cash flow

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Operating cash flow$26.7M-74.4%
CapEx$794.0K-16.6%
Free cash flow$25.9M-74.9%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$2.49B+131%
Enterprise value$1.5B+169%
P/E12.1×+4.9×
P/S3×+1.6×

Profitability

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Net margin25.2%+5.4pp
FCF margin49.5%-8.6pp

Returns & leverage

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Return on equity32.2%-13.1pp
Debt / equity0×0.0×

Segments

By segment

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Insurance Operation$205.9M+26.4%
Exzeo Group Inc$56.3M—
Reciprocal Exchange Operation$11.9M+7.0%
Corporate And Other$5.5M-16.5%
Real Estate Operations$4.2M+55.1%

FAQ

When did HCI Group report Q3 2025 earnings?
HCI Group (HCI) reported Q3 2025 earnings on November 6, 2025 after market close.
What were HCI Group's Q3 2025 revenue and EPS?
HCI Group reported revenue of $216.4M and eps of $4.90 for Q3 2025.
Did HCI Group beat estimates in Q3 2025?
Revenue missed the consensus estimate of $232.4M by $16.0M. EPS beat the consensus estimate of $2.44 by $2.46.
How did HCI Group's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 23.5% from $175.2M a year earlier and eps grew 942.6% from $0.47.
Where can I find HCI Group's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-269720) and the 10-Q periodic report (0001193125-25-272275) directly on SEC EDGAR. The filing index links above go to sec.gov.