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HCI Group HCI Insurance Operation — Ceded Premiums Earned

Other segment segments

Reciprocal Exchange Operation
$11.68M+33.0%
Corporate And Other
$0
Exzeo Group Inc
$0
Real Estate Operations
$0

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FNFLife Insurance Premiums — Ceded Premiums Earned
$21.25M-9.6%

Other financials

Income statement

See full
Revenue$246.7M+11.1%
Net income$73.8M+11.5%
EPS (diluted)$5.60+8.1%

Balance sheet

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Cash & equivalents$872.3M-7.9%
Total debt$997.0K-20.2%
Total equity$1.1B+42.4%
Total assets$2.6B+12.6%

Cash flow

See full
Operating cash flow$125.1M-13.7%
CapEx$290.0K-44.4%
Free cash flow$124.8M-13.6%

Valuation

See full
Market cap$2.31B+43.0%
P/E7.2×-3.9×
P/S2.4×+0.3×

Profitability

See full
Net margin33.7%+14.9pp
FCF margin43%-19.1pp

Returns & leverage

See full
Return on equity34.9%+10.7pp
Debt / equity0.0×

Where this comes from

Reported directly by HCI Group in its filing.

Tagged under the XBRL concept us-gaap:CededPremiumsEarned.

The source filing: HCI Group’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:16 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-340280
For Three Months Ended June 30, 2026Insurance OperationsExzeoReciprocal Exchange OperationsReal Estate (a)Corporate/Other (b)Reclassification/ EliminationConsolidated
Revenue
Gross premiums earned (c)$287,180$35,618$(1,974)$320,824
Premiums ceded(92,104)(11,682)1,974(101,812)
Net premiums earned195,07623,936219,012
Net income from investment portfolio15,7922,9631,5341,614(1,048)20,855
Policy fee income1,487300(136)1,651
Other4,34457,787(110)4,5675,630(67,083)5,135
Total revenue216,69960,75025,3604,5677,544(68,267)246,653

Item 1 – Financial Statements

FAQ

What is HCI Group's insurance operation — ceded premiums earned?
HCI Group (HCI) reported insurance operation — ceded premiums earned of $92.1M in Q2 2026.
How has HCI Group's insurance operation — ceded premiums earned changed year-over-year?
HCI Group's insurance operation — ceded premiums earned decreased by 3.1% year-over-year, from $95.02M to $92.1M.
What is the long-term trend for HCI Group's insurance operation — ceded premiums earned?
Over 2 years (2022 to 2025), HCI Group's insurance operation — ceded premiums earned has grown at a 21.5% compound annual growth rate (CAGR), from $261.14M to $385.8M.
What does insurance operation — ceded premiums earned mean?
This represents the portion of premiums that the insurance segment pays to reinsurers to transfer a share of underwriting risk. Monitoring this metric helps investors understand the company's risk management strategy and the net cost of reinsurance protection.

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