HCI Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Premiums & Annuity Revenue	828.52	682.2	500.59	467.85	381.3
Total Interest & Dividend Income	66.23	58.55	45.57	27.99	6.97
Gain (Loss) on Sale of Investments	2.88	6.03	1.22	-8.34	7.84
Other Revenue	3.32	3.27	3.29	8.95	11.81
Total Revenue	900.95	750.05	550.67	496.45	407.92
Revenue Growth (YoY)	20.12%	36.21%	10.92%	21.70%	49.16%
Policy Benefits	241.83	374.71	254.58	371.46	227.53
Policy Acquisition & Underwriting Costs	122.43	99.4	90.82	104.98	93.73
Selling, General & Administrative	10.97	10.19	9.35	15.11	13.75
Other Operating Expenses	26.08	26.02	22.63	24.98	21.84
Total Operating Expenses	462.46	563.28	421.9	557.93	388.53
Operating Income	438.49	186.77	128.77	-61.48	19.39
Interest Expense	-9.16	-13.34	-11.12	-7.77	-6.4
EBT Excluding Unusual Items	429.33	173.43	117.65	-69.25	12.99
Asset Writedown	-	-	-	-2.28	-
Other Unusual Items	-	-	-	3.12	-1.75
Pretax Income	429.33	173.43	117.65	-68.42	11.23
Income Tax Expense	108.94	45.85	28.39	-13.82	3.99
Earnings From Continuing Ops.	320.4	127.58	89.26	-54.6	7.24
Minority Interest in Earnings	-21.39	-17.63	-10.22	-3.91	-5.39
Net Income	299.01	109.95	79.03	-58.51	1.86
Preferred Dividends & Other Adjustments	12.04	4.11	2.63	-3.46	0.02
Net Income to Common	286.96	105.84	76.41	-55.05	1.83
Net Income Growth	171.94%	39.12%	-	-	-93.27%
Shares Outstanding (Basic)	12	10	8	9	8
Shares Outstanding (Diluted)	13	13	11	9	9
Shares Change (YoY)	1.51%	14.87%	25.26%	2.76%	-11.49%
EPS (Basic)	24.58	10.59	9.13	-6.24	0.23
EPS (Diluted)	22.72	8.89	7.62	-6.24	0.21
EPS Growth	155.68%	16.66%	-	-	-93.98%
Free Cash Flow	440.82	327.76	224.16	-6.35	93.19
Free Cash Flow Per Share	34.23	25.84	20.30	-0.72	10.86
Dividend Per Share	1.600	1.600	1.600	1.600	1.600
Operating Margin	48.67%	24.90%	23.38%	-12.38%	4.75%
Profit Margin	31.85%	14.11%	13.88%	-11.09%	0.45%
Free Cash Flow Margin	48.93%	43.70%	40.71%	-1.28%	22.84%
EBITDA	447.34	189.88	135.82	-54.3	24.01
EBITDA Margin	49.65%	25.31%	24.66%	-10.94%	5.89%
D&A For EBITDA	8.85	3.11	7.06	7.18	4.62
EBIT	438.49	186.77	128.77	-61.48	19.39
EBIT Margin	48.67%	24.90%	23.38%	-12.38%	4.75%
Effective Tax Rate	25.37%	26.43%	24.13%	-	35.53%
Revenue as Reported	900.95	750.05	550.67	499.56	407.92

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q