HCI Group, Inc. (HCI) FY2025 10-K Annual Report
HCI Group, Inc. (HCI) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 26, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
HCI Group, Inc. FY2025 10-K Analysis
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
HCI Group, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$901M
▲ +20.1% YoY
Net Income
$299M
▲ +171.9% YoY
Net Margin
33.2%
▲ +1853bp YoY
ROE
28.7%
▲ +447bp YoY
Total Assets
$2.5B
▲ +13.4% YoY
EPS (Diluted)
$22.72
▲ +155.6% YoY
Operating Cash Flow
$444M
▲ +33.9% YoY
Source: XBRL data from HCI Group, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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