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HCI Group
HCI Group (HCI) investor relations material
HCI Group Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary6 May, 2026
Executive summary
Pre-tax income reached $115 million for Q1 2026, with diluted EPS at $5.45, marking record results and the best first quarter in company history.
Total revenue and net income grew year-over-year, driven by higher policy volume, investment income, and contributions from Exzeo and Griston.
Diversified operations span insurance, reinsurance, real estate, claims services, and insurance technology, emphasizing technology-driven growth and disciplined capital allocation.
All four insurance carriers are now profitable since inception, with recent takeouts strengthening Tailrow's position.
62 consecutive quarters of dividends and $480 million capital returned to shareholders since inception.
Financial highlights
Gross premiums earned rose to $326.2 million, up $25.8 million year-over-year; net premiums earned increased to $222.2 million.
Combined ratio remained at 57% for Q1 2026, with a gross loss ratio of 20.1% and a net combined ratio of 56.9%, reflecting strong underwriting and operational efficiency.
Book value per share reached $84.41 as of March 31, 2026; pro forma book value per share would be almost $145 including unrealized gains from Exzeo and real estate.
Stockholder equity doubled year-over-year to over $1 billion; total surplus grew 22% to over $500 million.
Debt-to-capital ratio stands at 6%, with total assets at $2.61 billion and nearly $2 billion in cash and fixed-term securities.
Outlook and guidance
Combined ratio target set at 60% ±5%, expected to remain stable barring significant weather events.
Management anticipates continued strong operating results, value creation, and readiness to deploy capital when market opportunities arise.
Focus on leveraging technology and industry expertise to drive profitable growth and manage risk.
Premiums are expected to remain stable across all carriers in the near term.
Liquidity remains strong with $1.0 billion in cash and equivalents, sufficient to meet claims and operating needs.
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Latest events from HCI Group
- Record financials, Exzeo IPO, and robust governance set the stage for key 2026 shareholder votes.HCI
Proxy filing29 Apr 2026 - Record 2025 earnings, improved loss ratios, and Exzeo IPO drive strong financial results.HCIQ4 20255 Mar 2026
- Q2 net income was $57.1M, EPS $4.24, and gross loss ratio improved to 29.7%.HCIQ2 20242 Feb 2026
- Q3 profit dropped on hurricane losses, but YTD net income and premiums showed strong growth.HCIQ3 202415 Jan 2026
- Net income up 44% and premiums up 41.5% despite hurricane losses, driven by tech efficiency.HCIQ4 202423 Dec 2025
- Record net income, strong governance, and key votes on directors, pay, and ESG initiatives.HCIProxy Filing1 Dec 2025
- Q2 net income rose to $70.3M, EPS hit $5.18, and Exzeo filed for an IPO.HCIQ2 202523 Nov 2025
- Net income rose to $74.2M, EPS hit $5.35, and a tax-free Exzeo spinoff is planned by year-end.HCIQ1 202521 Nov 2025
- Q3 2025 net income, EPS, and book value per share surged, fueled by strong premiums and IPO.HCIQ3 202513 Nov 2025
Next HCI Group earnings date
Q2 20266 Aug, 2026
HCI Group
Next HCI Group earnings date
Q2 20266 Aug, 2026
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Eferix Drawings Google Play
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@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
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