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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
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.