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HCI Group HCI Reserve for insurance claims

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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 / equity0×0.0×

Where this comes from

Reported directly by HCI Group in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForClaimsAndClaimsAdjustmentExpense.

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
Line itemJune 30, 2026December 31, 2025
(Unaudited)
Liabilities, Redeemable Noncontrolling Interests and Equity
Losses and loss adjustment expenses (a)$558,982$576,495
Unearned premiums (a)659,335643,328
Advance premiums (a)44,44019,302
Ceded reinsurance premiums payable (a)34,77227,591
Assumed premiums payable (a)4,0491,744
Income taxes payable (a)16,46712,782

Item 1 – Financial Statements

FAQ

What is HCI Group's reserve for insurance claims?
HCI Group (HCI) reported reserve for insurance claims of $558.98M in Q2 2026.
How has HCI Group's reserve for insurance claims changed year-over-year?
HCI Group's reserve for insurance claims decreased by 19.8% year-over-year, from $696.89M to $558.98M.
What is the long-term trend for HCI Group's reserve for insurance claims?
Over 5 years (2020 to 2025), HCI Group's reserve for insurance claims has grown at a 22.1% compound annual growth rate (CAGR), from $212.17M to $576.5M.
What does reserve for insurance claims mean?
This liability represents the estimated ultimate cost of all reported and unreported insurance claims and the associated expenses to settle them. It is the most significant liability for an insurer and is subject to actuarial estimation and periodic adjustment. The adequacy of these reserves is fundamental to the company's financial stability and long-term solvency.

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