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HCI Group HCI Real Estate Operations — Policyholder Benefits And Claims Incurred Net

Other segment segments

Insurance Operation
$84.7M+2.8%
Reciprocal Exchange Operation
$9.31M+92.2%
Corporate And Other
$0
Exzeo Group Inc
$0

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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

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

Valuation

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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:PolicyholderBenefitsAndClaimsIncurredNet.

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
Other4,34457,787(110)4,5675,630(67,083)5,135
Total revenue216,69960,75025,3604,5677,544(68,267)246,653
Expenses
Losses and loss adjustment expenses84,6979,308(22,929)71,076
Amortization of deferred policy acquisition costs27,7802,66430,444
Other policy acquisition expenses15,55710,0394,5173,228(31,439)1,902
Stock-based compensation expense6667601,9133,339
Interest expense1,122453631(1,122)1,084

Item 1 – Financial Statements

FAQ

What is HCI Group's real estate operations — policyholder benefits and claims incurred net?
HCI Group (HCI) reported real estate operations — policyholder benefits and claims incurred net of $0 in Q2 2026.
What does real estate operations — policyholder benefits and claims incurred net mean?
Represents the total net costs associated with insurance claims and policyholder benefits incurred by the real estate operations segment during the period. This figure is net of any reinsurance recoveries and reflects the actual cost of underwriting risk. It is a critical measure of the segment's underwriting discipline and loss experience.

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