Hci Group SEC Filings

HCI Group, Inc. reported sharply stronger Q3 results. Total revenue rose to $216.4 million from $175.3 million a year ago, driven by higher net premiums earned of $195.0 million. Net income was $67.9 million versus $9.4 million, and diluted EPS increased to $4.90 from $0.52 as losses and loss adjustment expenses declined to $66.2 million.

For the first nine months, revenue reached $654.7 million with net income of $212.4 million. Operating cash flow was $333.7 million, supporting a cash and cash equivalents balance of $987.9 million, up from $532.5 million at year‑end. Stockholders’ equity increased to $821.8 million from $453.3 million.

Leverage improved markedly: long‑term debt fell to $32.1 million from $185.3 million, aided by conversion of $172.5 million of 4.75% convertible senior notes into 2,187,063 common shares. The company assumed about 13,900 Citizens policies year‑to‑date, representing $35.8 million in annualized gross written premiums. Common shares outstanding were 12,960,037 as of November 3, 2025.

HCI Group, Inc. (HCI) announced it released earnings for the three and nine months ended September 30, 2025 and will host a conference call on November 6, 2025 at 4:45 p.m. Eastern time. The CEO, CFO, and COO will discuss the results.

• Listen-only toll-free: (877) 545-0320; International: (973) 528-0002; Entry Code: 310078
• Webcast: Investor Information section at www.hcigroup.com
• Replay after 8:00 p.m. ET: Toll-free (877) 481-4010; International (919) 882-2331; Replay ID: 53155

Exzeo Group, Inc. (XZO) reported an insider ownership update. Director Paresh Patel filed a Form 3 initial statement of beneficial ownership effective 11/04/2025, disclosing 75,000,000 shares of Common Stock held directly.

This filing establishes the director’s starting ownership position with the company and reflects equity already beneficially owned as of the stated date.

HCI Group (HCI) furnished an update on preliminary results for its majority-owned subsidiary, Exzeo Group, tied to an amended S-1. Exzeo currently expects unaudited revenue of $53.5 million to $56.8 million for the three months ended September 30, 2025, and $162.0 million to $165.3 million for the nine months ended the same date. Exzeo also expects unaudited net income after tax of $20.1 million to $22.2 million for the quarter and $59.7 million to $61.8 million for the nine-month period.

The figures are preliminary, based on management estimates, and remain subject to completion of financial closing procedures. Exzeo’s independent auditor, Forvis Mazars, LLP, has not audited, reviewed, or performed procedures on these estimates and provides no assurance. The information is being furnished, not filed, under the Exchange Act.

HCI Group disclosed that Khrom Capital Management LLC beneficially owns 796,170 common shares, equal to 6.62% of the class. The filing identifies Khrom as an investment adviser and reports that it has sole voting and sole dispositive power over these shares. The position exceeds the 5% reporting threshold, making it a material, publicly reported minority stake. The statement also certifies the securities are held in the ordinary course of business and were not acquired to change or influence control of HCI.

HCI Group, Inc. reported a stronger quarter ended June 30, 2025 with consolidated assets of $2.353 billion and total equity of $784.7 million, up from $2.230 billion and $467.4 million at year-end 2024. Revenue for the quarter was $221.9 million, driven by $302.6 million of gross premiums earned and $200.1 million of net premiums earned after ceding. Net income for the quarter was $70.3 million ($66.2 million after noncontrolling interests), producing basic earnings per share of $5.57 and diluted EPS of $5.18, compared with prior-year quarter EPS of $5.18 (basic) and $4.24 (diluted). Operating cash flow was $307.0 million for the six months, and cash and equivalents rose to $947.2 million. During the period the company converted $172.5 million of 4.75% convertible notes into 2,187,063 shares (recording a $1.125 million inducement expense), materially reducing reported long-term debt. Reinsurance recoverables and gross losses and LAE remain significant at $375.3 million and $696.9 million, respectively, and approximately 66.3% of reinsurance recoverable is concentrated with four reinsurers.