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HCI Group HCI Reciprocal Exchange Operation — Benefits Losses And Expenses

Other segment segments

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$141.07M+2.5%
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$29.32M+4.9%
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$11.23M-7.7%
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$4.48M+53.4%

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Other financials

Income statement

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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

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

Returns & leverage

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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:BenefitsLossesAndExpenses.

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
Stock-based compensation expense6667601,9133,339
Interest expense1,122453631(1,122)1,084
Depreciation and amortization283736848147(708)1,306
Personnel and other operating expenses12,09117,7892323,1775,308(12,068)26,529
Total expenses141,07429,32417,8434,47811,227(68,266)135,680
Income (loss) before income taxes (d)$75,625$31,426$7,517$89$(3,683)$(1)$110,973
Total revenue from non-affiliates (e)$211,919$6,533$27,334$3,703$1,089
Gross premiums written$338,686$43,659

Item 1 – Financial Statements

FAQ

What is HCI Group's reciprocal exchange operation — benefits losses and expenses?
HCI Group (HCI) reported reciprocal exchange operation — benefits losses and expenses of $17.84M in Q2 2026.
How has HCI Group's reciprocal exchange operation — benefits losses and expenses changed year-over-year?
HCI Group's reciprocal exchange operation — benefits losses and expenses increased by 61.8% year-over-year, from $11.03M to $17.84M.
What does reciprocal exchange operation — benefits losses and expenses mean?
This aggregate figure represents the total costs incurred by the Reciprocal Exchange Operation, including policyholder claims, loss adjustment expenses, and general operating costs. It is a primary indicator of the segment's underwriting performance and overall cost management efficiency.

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