HCI · HCI Group, Inc.
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Aug 6, 2026TL;DR. HCI Group reported record Q2 2026 results with pre-tax income of $111 million (+18% YoY) and diluted EPS of $5.60, driven by 6% gross premium growth, a 22% loss ratio, and reduced reinsurance costs from new 2026-2027 programs, while completing its $80 million share repurchase and signing GEICO to distribute a new product.
- + Q2 pre-tax income rose 18% YoY to $111M with diluted EPS of $5.60 vs. $5.18
- + Gross premiums earned grew 6% to $321M and total revenue rose 11% on policy growth and higher Exzeo services revenue
- + Loss ratio of 22% and combined ratio of 61% remain within guided 20–25% and 60–65% ranges
- + Signed GEICO in July to distribute a new product, with CORE pivoting to residential HO3 and producing ~$6M/month of new business, supporting potential organic policy growth by year-end
- − Q2 loss and LAE expenses rose to $71M from $64M, lifting the gross loss ratio to 22.2% from 21.3%
- − G&A personnel expenses increased to $24M from $20M on additional personnel, merit increases, and stock-based compensation
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
HCI
this stock
HCI Group, Inc.
|
$2.18B | -9.3% | +20.1% | 7.5 | 4.6% |
|
CB
Chubb Ltd
|
$128.80B | +4.2% | +6.5% | 11.8 | 0.9% |
|
PGR
Progressive Corp/Oh/
|
$119.47B | -9.0% | +16.3% | 10.3 | 1.1% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$100.71B | +43.5% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$75.72B | +22.9% | +5.2% | 9.8 | 3.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| HCI | -1.3% | -7.5% | +11.9% | -6.4% | -9.3% |
| SPY | -0.7% | +0.1% | +12.2% | -0.6% | +11.8% |
| vs SPY | -0.6% | -7.6% | -0.3% | -5.8% | -21.2% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.