What is Hci Group's earnings per share (EPS)?

Hci Group (HCI) reported diluted earnings per share of $22.72 for fiscal year 2025. This represents a 155.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Hci Group Financials

HCI

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Hci Group (HCI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI HCI FY2025 2026-05-07

Cash-backed profit expansion, not simple top-line growth, is the clearest mechanic, rapidly rebuilding balance-sheet strength after FY2022.

By FY2025, operating cash flow of $444.4M exceeded net income of $320.4M, so the earnings surge was arriving as cash rather than being tied up in accruals. That cash-rich recovery coincided with debt-to-equity falling from 9.5x in FY2022 to 1.4x in FY2025, meaning the same upswing that lifted profit also materially reduced reliance on leverage.

The balance sheet looks far less stretched than it did during the FY2022 downturn: cash and equivalents reached $1.21B against total liabilities of $1.41B. Because equity also expanded sharply in FY2025, recent growth appears to be strengthening the capital base instead of merely adding obligations.

Capital intensity is unusually low relative to cash generation, which helps explain why free cash flow stayed very close to operating cash flow through the recent recovery. In FY2025, capital spending was only $3.6M against free cash flow of $440.8M, so most internally generated cash was not being absorbed by upkeep.

Financial Health Signals

Financial Health Score 61/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Hci Group's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Premium Growth

Capital

Combined Ratio

Stability

Piotroski F-Score Partial

5/6

Hci Group passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.39x

For every $1 of reported earnings, Hci Group generates $1.39 in operating cash flow ($444.4M OCF vs $320.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$900.9M

YoY+20.1%

5Y CAGR+23.7%

10Y CAGR+12.2%

Hci Group generated $900.9M in revenue in fiscal year 2025. This represents an increase of 20.1% from the prior year.

EBITDA

N/A

Net Income

$320.4M

YoY+151.1%

5Y CAGR+63.3%

10Y CAGR+17.1%

Hci Group reported $320.4M in net income in fiscal year 2025. This represents an increase of 151.1% from the prior year.

EPS (Diluted)

$22.72

YoY+155.6%

5Y CAGR+45.5%

10Y CAGR+14.4%

Hci Group earned $22.72 per diluted share (EPS) in fiscal year 2025. This represents an increase of 155.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$440.8M

YoY+34.5%

5Y CAGR+44.1%

10Y CAGR+25.8%

Hci Group generated $440.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 34.5% from the prior year.

Cash & Debt

$1.2B

YoY+127.3%

5Y CAGR+22.9%

10Y CAGR+16.3%

Hci Group held $1.2B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.60

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+2.9%

Hci Group paid $1.60 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

13M

YoY+20.7%

5Y CAGR+10.8%

10Y CAGR+2.4%

Hci Group had 13M shares outstanding in fiscal year 2025. This represents an increase of 20.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

35.6%

YoY+18.6pp

5Y CAGR+26.7pp

10Y CAGR+12.5pp

Hci Group's net profit margin was 35.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 18.6 percentage points from the prior year.

Return on Equity

30.8%

YoY+2.6pp

5Y CAGR+17.1pp

10Y CAGR+3.1pp

Hci Group's ROE was 30.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.5M

YoY+47.0%

5Y CAGR-0.3%

10Y CAGR+6.8%

Hci Group spent $1.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 47.0% from the prior year.

Capital Expenditures

$3.6M

YoY-10.3%

5Y CAGR-10.8%

10Y CAGR+15.8%

Hci Group invested $3.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 10.3% from the prior year.

HCI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$900.9M+20.1%	$750.1M+36.2%	$550.7M+10.2%	$499.6M+22.5%	$407.9M+31.4%	$310.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$9.2M+457700.0%	$2K-98.7%	$150K-98.1%	$7.8M+21.4%	$6.4M-45.5%	$11.7M
Income Tax	$108.9M+137.6%	$45.8M+61.5%	$28.4M+305.5%	-$13.8M-446.2%	$4.0M-57.3%	$9.3M
Net Income	$320.4M+151.1%	$127.6M+42.9%	$89.3M+263.5%	-$54.6M-854.0%	$7.2M-73.7%	$27.6M
EPS (Diluted)	$22.72+155.6%	$8.89+16.7%	$7.62+222.1%	$-6.24-3071.4%	$0.21-94.0%	$3.49

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$242.9M-1.4%	$246.2M+13.8%	$216.3M-2.5%	$221.9M+2.5%	$216.4M+33.7%	$161.9M-7.7%	$175.3M-15.0%	$206.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$923K-8.5%	$1.0M-1.0%	$1.0M-72.8%	$3.7M+10.6%	$3.4M+1.9%	$3.3M-2.9%	$3.4M-0.9%	$3.5M
Income Tax	$30.3M	N/A	$22.7M-5.8%	$24.1M-7.6%	$26.1M	N/A	$4.7M-75.2%	$18.9M
Net Income	$73.4M-32.0%	$108.0M+64.9%	$65.5M-1.0%	$66.2M-5.1%	$69.7M+1585.6%	$4.1M-27.2%	$5.7M-89.5%	$54.1M
EPS (Diluted)	$5.45-24.8%	$7.25+48.0%	$4.90-5.4%	$5.18-3.2%	$5.35+2226.1%	$0.23-55.8%	$0.52-87.7%	$4.24

HCI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.5B+13.4%	$2.2B+23.1%	$1.8B+0.4%	$1.8B+53.2%	$1.2B+25.0%	$941.3M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.2B+127.3%	$532.5M-0.7%	$536.5M+128.4%	$234.9M-62.7%	$628.9M+45.8%	$431.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.4B-19.7%	$1.8B+26.9%	$1.4B-10.4%	$1.5B+103.1%	$762.4M+3.0%	$740.2M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.0B+129.6%	$453.3M+39.6%	$324.8M+99.8%	$162.6M-49.7%	$323.4M+60.8%	$201.1M
Retained Earnings	$611.5M+84.3%	$331.8M+39.2%	$238.4M+38.2%	$172.5M-30.1%	$246.8M+23.6%	$199.6M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$2.6B+3.2%	$2.5B+7.8%	$2.3B-0.3%	$2.4B+2.0%	$2.3B+3.4%	$2.2B+12.2%	$2.0B+4.0%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.0B-16.2%	$1.2B+22.5%	$987.9M+4.3%	$947.2M+25.5%	$754.5M+41.7%	$532.5M+2.6%	$518.8M+16.4%	$445.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.4B+1.4%	$1.4B-5.2%	$1.5B-4.8%	$1.6B-11.1%	$1.8B+0.1%	$1.8B+15.9%	$1.5B+4.2%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.1B+4.6%	$1.0B+26.7%	$821.8M+8.3%	$758.6M+45.1%	$522.7M+15.3%	$453.3M-0.4%	$455.3M+1.8%	$447.3M
Retained Earnings	$679.7M+11.2%	$611.5M+17.8%	$519.0M+13.2%	$458.7M+15.5%	$397.2M+19.7%	$331.8M-0.5%	$333.5M+0.4%	$332.0M

HCI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$444.4M+33.9%	$331.8M+43.9%	$230.7M+1922250.0%	-$12K-100.0%	$96.5M+24.8%	$77.3M
Capital Expenditures	$3.6M-10.3%	$4.1M-37.7%	$6.5M+2.5%	$6.3M+91.1%	$3.3M-48.5%	$6.4M
Free Cash Flow	$440.8M+34.5%	$327.8M+46.2%	$224.2M+3628.3%	-$6.4M-106.8%	$93.2M+31.5%	$70.9M
Investing Cash Flow	$87.3M+133.6%	-$260.1M-6193.0%	$4.3M+101.0%	-$434.5M-1279.1%	$36.9M-74.3%	$143.2M
Financing Cash Flow	$146.2M+294.5%	-$75.2M-212.0%	$67.1M+63.4%	$41.1M-36.1%	$64.3M+484.9%	-$16.7M
Dividends Paid	$19.3M+16.2%	$16.6M+21.0%	$13.7M-9.9%	$15.2M+8.3%	$14.1M+10.8%	$12.7M
Share Buybacks	$1.5M+47.0%	$1.0M+32.3%	$784K-98.9%	$71.2M+5321.8%	$1.3M-15.1%	$1.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$148.8M+34.3%	$110.8M+315.3%	$26.7M-81.6%	$145.0M-10.5%	$162.0M+116.9%	$74.7M-28.3%	$104.1M+459.1%	-$29.0M
Capital Expenditures	$335K-42.7%	$585K-26.3%	$794K+52.1%	$522K-69.9%	$1.7M+63.2%	$1.1M+11.4%	$952K-12.9%	$1.1M
Free Cash Flow	$148.5M+34.8%	$110.2M+325.8%	$25.9M-82.1%	$144.5M-9.9%	$160.3M+117.7%	$73.6M-28.7%	$103.2M+442.9%	-$30.1M
Investing Cash Flow	-$325.2M-814.9%	-$35.5M-1369.1%	$2.8M-94.8%	$53.7M-18.9%	$66.3M+220.4%	-$55.0M-114.8%	-$25.6M+85.3%	-$174.6M
Financing Cash Flow	-$19.6M-113.3%	$147.0M+1188.1%	$11.4M+289.6%	-$6.0M+3.6%	-$6.2M-14.2%	-$5.5M+1.0%	-$5.5M+7.5%	-$6.0M
Dividends Paid	$5.2M+0.3%	$5.2M0.0%	$5.2M+12.2%	$4.6M+7.2%	$4.3M+1.5%	$4.2M+1.3%	$4.2M+0.4%	$4.2M
Share Buybacks	$17.5M+2087.6%	$800K+2062.2%	$37K-94.6%	$687K	$0	$0	$0-100.0%	$480K

HCI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	35.6%+18.6pp	17.0%+0.8pp	16.2%+27.1pp	-10.9%-12.7pp	1.8%-7.1pp	8.9%
Return on Equity	30.8%+2.6pp	28.1%+0.7pp	27.5%+61.1pp	-33.6%-35.8pp	2.2%-11.5pp	13.7%
Return on Assets	12.7%+7.0pp	5.7%+0.8pp	4.9%+8.0pp	-3.0%-3.6pp	0.6%-2.3pp	2.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.36-2.5	3.88-0.4	4.27-5.3	9.52+7.2	2.36-1.3	3.68
FCF Margin	48.9%+5.2pp	43.7%+3.0pp	40.7%+42.0pp	-1.3%-24.1pp	22.8%0.0pp	22.8%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	30.2%-13.6pp	43.9%+13.6pp	30.3%+0.5pp	29.8%-2.4pp	32.2%+29.6pp	2.5%-0.7pp	3.2%-23.0pp	26.2%
Return on Equity	6.7%-3.6pp	10.4%+2.4pp	8.0%-0.8pp	8.7%-4.6pp	13.3%+12.4pp	0.9%-0.3pp	1.3%-10.8pp	12.1%
Return on Assets	2.8%-1.5pp	4.3%+1.5pp	2.8%-0.0pp	2.8%-0.2pp	3.0%+2.8pp	0.2%-0.1pp	0.3%-2.5pp	2.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.32-0.0	1.36-0.5	1.81-0.2	2.06-1.3	3.37-0.5	3.88+0.5	3.34+0.1	3.26
FCF Margin	61.1%+16.4pp	44.8%+32.8pp	12.0%-53.1pp	65.1%-9.0pp	74.1%+28.6pp	45.5%-13.4pp	58.9%+73.5pp	-14.6%

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Frequently Asked Questions

What is Hci Group's annual revenue?

Hci Group (HCI) reported $900.9M in total revenue for fiscal year 2025. This represents a 20.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Hci Group's revenue growing?

Hci Group (HCI) revenue grew by 20.1% year-over-year, from $750.1M to $900.9M in fiscal year 2025.

Is Hci Group profitable?

Yes, Hci Group (HCI) reported a net income of $320.4M in fiscal year 2025, with a net profit margin of 35.6%.

What is Hci Group's net profit margin?

Hci Group (HCI) had a net profit margin of 35.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Hci Group pay dividends?

Yes, Hci Group (HCI) paid $1.60 per share in dividends during fiscal year 2025.

What is Hci Group's return on equity (ROE)?

Hci Group (HCI) has a return on equity of 30.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Hci Group's free cash flow?

Hci Group (HCI) generated $440.8M in free cash flow during fiscal year 2025. This represents a 34.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Hci Group's operating cash flow?

Hci Group (HCI) generated $444.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Hci Group's total assets?

Hci Group (HCI) had $2.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Hci Group's capital expenditures?

Hci Group (HCI) invested $3.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Hci Group buy back shares?

Yes, Hci Group (HCI) spent $1.5M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Hci Group have outstanding?

Hci Group (HCI) had 13M shares outstanding as of fiscal year 2025.

What is Hci Group's debt-to-equity ratio?

Hci Group (HCI) had a debt-to-equity ratio of 1.36 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Hci Group's return on assets (ROA)?

Hci Group (HCI) had a return on assets of 12.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Hci Group's Piotroski F-Score?

Hci Group (HCI) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Hci Group's earnings high quality?

Hci Group (HCI) has an earnings quality ratio of 1.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Hci Group?

Hci Group (HCI) scores 61 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.