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HCI Group HCI Unearned premiums

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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:UnearnedPremiums.

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 unearned premiums?
HCI Group (HCI) reported unearned premiums of $659.34M in Q2 2026.
How has HCI Group's unearned premiums changed year-over-year?
HCI Group's unearned premiums increased by 5.1% year-over-year, from $627.48M to $659.34M.
What is the long-term trend for HCI Group's unearned premiums?
Over 5 years (2020 to 2025), HCI Group's unearned premiums has grown at a 19.0% compound annual growth rate (CAGR), from $269.4M to $643.33M.
What does unearned premiums mean?
This represents the portion of written insurance premiums that corresponds to the unexpired term of the policies in force. As an insurance company provides coverage over time, this liability is systematically recognized as earned revenue. It serves as a critical indicator of future revenue potential and the company's obligation to provide coverage for existing policyholders.

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