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HCI Group HCI Q4 2025 Annual earnings

Reported February 25, 2026 · After market close

Revenue$246.2MBeat by $13.9M
EPS$7.25Beat by $2.38
Revenue estimate$232.4M
EPS estimate$4.87

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$247.4M
EPS estimate$5.04

Financials

Q4 2025

Income statement

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Revenue$246.2M+52.1%
Net income$108.0M+2,512%
EPS (diluted)$7.25+3,052%

Balance sheet

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Cash & equivalents$1.2B+127%
Total equity$1.0B+130%
Total assets$2.5B+13.4%

Cash flow

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Operating cash flow$110.8M+48.3%
CapEx$585.0K-44.9%
Free cash flow$110.2M+49.7%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$2.48B+102%
P/E8×-3.0×
P/S2.8×+1.1×

Profitability

See full
Net margin34.3%+19.5pp
FCF margin48.9%+1.2pp

Returns & leverage

See full
Return on equity41.4%+12.7pp

Segments

By segment

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Insurance Operation$218.3M+41.9%
Reciprocal Exchange Operation$27.0M+135%
Corporate And Other$8.0M+24.3%
Real Estate Operations$4.3M+106%

Versus estimates

Revenue

Q1 2026$242.9MMiss by $2.2M
Q4 2025$246.2MBeat by $13.9M
Q3 2025$216.4MMiss by $16.0MQ2 2025$221.9MMiss by $801.8KQ1 2025$216.4MBeat by $1.5MQ4 2024$161.4MMiss by $13.7M

Diluted EPS

Q1 2026$5.45Beat by $0.32
Q4 2025$7.25Beat by $2.38
Q3 2025$4.90Beat by $2.46Q2 2025$5.18Beat by $0.71Q1 2025$5.35Beat by $0.86Q4 2024$0.31Beat by $3.06

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Questions, answered.

When did HCI Group report Q4 2025 earnings?
HCI Group (HCI) reported Q4 2025 earnings on February 25, 2026 after market close.
What were HCI Group's Q4 2025 revenue and EPS?
HCI Group reported revenue of $246.2M and eps of $7.25 for Q4 2025.
Did HCI Group beat estimates in Q4 2025?
Revenue beat the consensus estimate of $232.4M by $13.9M. EPS beat the consensus estimate of $4.87 by $2.38.
How did HCI Group's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 52.5% from $161.4M a year earlier and eps grew 2238.7% from $0.31.
Where can I find HCI Group's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-071719) and the 10-K periodic report (0001193125-26-076743) directly on SEC EDGAR. The filing index links above go to sec.gov.