HCI HCI Group, Inc.
FY2025 10-K
HCI Group, Inc. (HCI) filed its fiscal year 2025 10-K annual report with the SEC on Feb 26, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business: Property and casualty insurance focused on homeowners in Florida and nearby U.S. regions
- • New segments: Initiated two reciprocal insurance exchanges in 2024 (CORE) and 2025 (Tailrow) specializing in multi-peril insurance
Management Discussion & Analysis
- • Revenue and profitability details not provided in excerpt
- • No segment performance data disclosed
Risk Factors
- • Florida insurance regulation risk: mandatory approval of policy forms and premiums by state insurance regulators impacting underwriting flexibility
- • Catastrophic weather exposure: $78.2M, $43.0M, $6.5M losses from Hurricanes Milton, Helene, Debby in 2024 with none in 2025
Financial SummaryXBRL
Revenue
$901M
Net Income
$299M
Net Margin
33.2%
ROE
28.7%
Total Assets
$2.5B
EPS (Diluted)
$22.72
Operating Cash Flow
$444M
Source: XBRL data from HCI Group, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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