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HCI Group Inc (HCI) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · DATA UPDATED 2026-09-05

HCI Group Inc (HCI) operates in the INSURANCE - PROPERTY & CASUALTY industry and is headquartered in Tampa, United States with about 594 employees. Its market capitalization is roughly $2 billion. In the fiscal year ended 2025-12-31, HCI reported $901M in revenue and $299M in net income.

HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments.

Interactive charts & full statements → Open the HCI valuation workbench →

HCI Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$952M	$901M	$749M	$550M	$492M	$403M	$276M	$241M	$231M	$244M	$258M	$286M	$266M	$241M	$163M	$93M	$69M	$68M	$50M	$8M	—
Gross Profit	$666M	$659M	$275M	$205M	$16M	$81M	$62M	$91M	$83M	$39M	$91M	$157M	$149M	$144M	$71M	$27M	$16M	$24M	$25M	$8M	—
Gross Margin %	69.9%	73.2%	36.7%	37.2%	3.2%	20.2%	22.4%	37.9%	35.9%	16.0%	35.2%	54.8%	55.9%	59.9%	43.4%	28.5%	23.4%	34.4%	50.3%	100.0%	—
Operating Income (EBIT)	$461M	$429M	$173M	$118M	($68M)	$11M	$37M	$36M	$27M	($16M)	$47M	$106M	$101M	$106M	$50M	$16M	$9M	$18M	$21M	$2M	$0M
Operating Margin %	48.4%	47.6%	23.1%	21.4%	-13.9%	2.8%	13.4%	14.9%	11.6%	-6.4%	18.1%	37.1%	37.9%	44.2%	30.4%	17.7%	12.5%	26.0%	42.0%	21.3%	—
Net Income	$310M	$299M	$110M	$79M	($59M)	$2M	$28M	$27M	$18M	($7M)	$29M	$66M	$63M	$66M	$30M	$10M	$5M	$11M	$13M	$1M	$0M
Net Margin %	32.6%	33.2%	14.7%	14.4%	-11.9%	0.5%	10.0%	11.0%	7.7%	-2.8%	11.2%	23.0%	23.5%	27.2%	18.5%	10.7%	7.9%	16.0%	25.6%	13.3%	—
EBITDA	$474M	$450M	$191M	$137M	($53M)	$23M	$57M	$58M	$56M	$11M	$63M	$122M	$116M	$112M	$51M	$17M	$9M	$18M	$21M	$2M	$0M
Earnings Per Share (EPS)	$24.09	$23.21	$8.67	$7.16	$-6.64	$0.22	$2.85	$2.60	$2.25	$-0.81	$2.67	$5.80	$5.36	$5.89	$3.07	$1.34	$0.81	$1.52	$2.08	$0.20	$-0.03
Shares Outstanding (M)	13M	13M	13M	11M	9M	9M	10M	10M	8M	9M	11M	11M	12M	11M	10M	7M	7M	7M	6M	5M	4M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

HCI Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$247M	$243M	$246M	$216M	$222M	$217M	$161M	$175M
Gross Profit	$176M	$177M	$194M	$119M	$127M	$130M	$23M	$43M
Gross Margin %	71.2%	73.0%	78.9%	54.8%	57.2%	60.1%	14.2%	24.8%
Operating Income (EBIT)	$111M	$115M	$144M	$91M	$94M	$100M	$6M	$14M
Operating Margin %	45.0%	47.5%	58.5%	41.9%	42.5%	46.2%	3.6%	8.0%
Net Income	$74M	$73M	$98M	$66M	$66M	$70M	$3M	$6M
Net Margin %	29.9%	30.2%	39.7%	30.3%	29.8%	32.1%	1.6%	3.2%
EBITDA	$114M	$119M	$147M	$94M	$103M	$106M	$11M	$20M
Earnings Per Share (EPS)	$5.73	$5.70	$7.58	$5.08	$5.14	$5.49	$0.20	$0.54
Shares Outstanding (M)	13M	13M	13M	13M	13M	13M	13M	11M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

HCI Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31
Cash from Operations (CFO)	$412M	$447M	$332M	$231M	$0M	$97M	$77M	$54M	$29M	$16M	$88M	$45M	$89M	$55M	$106M	$56M	$16M	($13M)	$67M	$20M
Capital Expenditures (CapEx)	$2M	$4M	$4M	$7M	$10M	$3M	$6M	$3M	$3M	$3M	$1M	$1M	$0M	$3M	$1M	$3M	$8M	$0M	$0M	$0M
Free Cash Flow (FCF)	$410M	$443M	$328M	$224M	($10M)	$93M	$71M	$51M	$26M	$13M	$87M	$44M	$88M	$52M	$105M	$53M	$9M	($14M)	$66M	$20M
FCF Margin %	43.1%	49.2%	43.7%	40.8%	-2.1%	23.2%	25.7%	21.2%	11.2%	5.5%	33.7%	15.5%	33.2%	21.6%	64.5%	57.0%	12.5%	-20.2%	134.0%	258.8%
Dividends Paid	$30M	$19M	$17M	$14M	$15M	$14M	$13M	$13M	$11M	$14M	$12M	$12M	$12M	$11M	$9M	$4M	$2M	$0M	$0M	—

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

HCI Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$125M	$149M	$112M	$27M	$145M	$162M	$75M	$104M
Capital Expenditures (CapEx)	$0M	$0M	$1M	$1M	$1M	$2M	$1M	$1M
Free Cash Flow (FCF)	$125M	$149M	$111M	$26M	$144M	$160M	$74M	$103M
FCF Margin %	50.6%	61.2%	45.1%	12.0%	65.1%	73.8%	45.6%	58.9%
Dividends Paid	$5M	$5M	$14M	$5M	$5M	$4M	$4M	$4M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

HCI Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$2.6B	$2.5B	$2.2B	$1.8B	$1.8B	$1.2B	$941M	$803M	$833M	$842M	$670M	$637M	$602M	$526M	$338M	$215M	$141M	$138M	$132M	$40M	$0M
Cash & Cash Equivalents	$877M	$1.2B	$532M	$536M	$235M	$629M	$431M	$229M	$239M	$256M	$281M	$268M	$315M	$293M	$230M	$100M	$55M	$43M	$81M	$16M	$0M
Total Liabilities	$1.5B	$1.4B	$1.8B	$1.4B	$1.5B	$762M	$740M	$617M	$651M	$648M	$426M	$399M	$420M	$366M	$217M	$151M	$94M	$93M	$95M	$26M	$0M
Total Debt (Short + Long-Term)	$67M	$68M	$186M	$210M	$214M	$63M	$184M	$174M	$250M	$328M	$287M	$259M	$255M	$127M	$0M	$0M	$0M	$0M	$0M	$0M	$0M
Total Shareholders' Equity	$1.1B	$1.0B	$453M	$325M	$163M	$323M	$201M	$186M	$181M	$194M	$244M	$238M	$183M	$161M	$121M	$64M	$47M	$45M	$37M	$14M	$0M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive HCI viewer.

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