What does real estate operations — premiums earned net mean?

Calculated as gross premiums earned minus ceded premiums, representing the net insurance revenue retained by the real estate operations segment. This is a primary measure of the segment's core insurance business performance after accounting for risk-sharing arrangements. It indicates the actual revenue available to cover claims and operating expenses.

HCI Group HCI Real Estate Operations — Premiums Earned Net

Other segment segments

Insurance Operation

$194.63M+3.1%

Reciprocal Exchange Operation

$27.52M+129%

Corporate And Other

$0—

Similar metrics at other companies

UHALInvestments — Premiums Earned Net

$75.25K-25.7%

SIGIInsurance Operations — Net premiums earned

$1.22B+5.0%

CLOVInsurance Operations — Premiums earned, net (Net of ceded premiums of $375, $399, and $444 for the year ended December 31, 2025, 2024, and 2023, respectively.)

$472.93M+40.7%

UHALNet premiums earned

$25.59M+30.9%

CVCONet premiums earned

$14.79M-5.7%

RLIProperty Insurance — Premiums Earned Net

$126.38M-4.7%

Other financials

Income statement

See full

Revenue$242.9M+12.2%

Net income$73.4M+5.3%

EPS (diluted)$5.45+1.9%

Balance sheet

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Cash & equivalents$1.0B+34.4%

Total debt$997.0K-20.2%

Total equity$1.1B+108%

Total assets$2.6B+13.2%

Cash flow

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Operating cash flow$148.8M-8.1%

CapEx$335.0K-80.7%

Free cash flow$148.5M-7.4%

Valuation

See full

Market cap$2.23B+25.0%

Profitability

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Net margin33.8%+16.2pp

FCF margin46.3%+1.9pp

Returns & leverage

See full

Return on equity38.8%+9.8pp

Debt / equity0×0.0×

Where this comes from

Reported directly by HCI Group in its filing.

Tagged under the XBRL concept us-gaap:PremiumsEarnedNet.

The official record: HCI Group’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is HCI Group's real estate operations — premiums earned net?: HCI Group (HCI) reported real estate operations — premiums earned net of $0 in Q1 2026.
What does real estate operations — premiums earned net mean?: Calculated as gross premiums earned minus ceded premiums, representing the net insurance revenue retained by the real estate operations segment. This is a primary measure of the segment's core insurance business performance after accounting for risk-sharing arrangements. It indicates the actual revenue available to cover claims and operating expenses.