HCI Group, Inc. (HCI) Financial Statements
Industry: Fire, Marine & Casualty Insurance
In fiscal 2025, HCI reported revenue of $900.9M, up 20.1% from $750.1M the year before. Net income was $299.0M (a 33.2% net margin), or $22.72 per diluted share. Gross margin was 73.2% and operating margin was 72.4%. Operating activities generated $444.4M of cash, leaving $440.8M of free cash flow. At fiscal year end, HCI held $2.53B in total assets against $1.41B in total liabilities, including $1.21B of cash and equivalents.
Open the full interactive HCI financials → Quarterly statements, key ratios, valuation history and price charts.
HCI Key Stats
| Share Price | $198.88 |
|---|---|
| Market Cap | $2.52B |
| P/E Ratio | 8.8 |
| Revenue YoY Growth | +20.1% |
| 52-Week Range | $148.27 – $204.41 |
| Shares Outstanding | 12.3 million (basic, 2026 Q2) |
HCI Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $310.4M | $407.9M | $499.6M | $550.7M | $750.1M | $900.9M |
| Cost of Goods Sold | — | — | — | — | $374.7M | $241.8M |
| Gross Profit | — | — | — | — | $375.3M | $659.1M |
| Operating Income | — | — | — | — | $369.2M | $652.5M |
| Pre-Tax Income | $36.9M | $11.2M | -$68.4M | $117.7M | $173.4M | $429.3M |
| Income Tax | $9.3M | $4.0M | -$13.8M | $28.4M | $45.8M | $108.9M |
| Net Income | $27.6M | $1.9M | -$58.5M | $79.0M | $110.0M | $299.0M |
| Diluted EPS | $3.49 | $0.21 | -$6.24 | $7.62 | $8.89 | $22.72 |
HCI Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $216.3M | $246.2M | $242.9M | $246.7M |
| Net Income | $65.5M | $97.7M | $73.4M | $73.8M |
| Diluted EPS | $4.90 | $7.58 | $5.45 | $5.60 |
HCI Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $431.3M | $628.9M | $234.9M | $536.5M | $532.5M | $1.21B |
| Total Assets | $941.3M | $1.18B | $1.80B | $1.81B | $2.23B | $2.53B |
| Total Long-Term Debt | $156.5M | $45.5M | $211.7M | $208.5M | $185.3M | $31.9M |
| Total Liabilities | $740.2M | $762.4M | $1.55B | $1.39B | $1.76B | $1.41B |
| Shareholders' Equity | $201.1M | $323.4M | $162.6M | $324.8M | $453.3M | $1.04B |
HCI Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $77.3M | $96.5M | -$12,000 | $230.7M | $331.8M | $444.4M |
| Cash From Investing | $143.2M | $36.9M | -$434.5M | $4.3M | -$260.1M | $87.3M |
| Cash From Financing | -$16.7M | $64.3M | $41.1M | $67.1M | -$75.2M | $146.2M |
| Free Cash Flow | $70.9M | $93.2M | -$6.4M | $224.2M | $327.8M | $440.8M |
| Dividends Paid | $12.7M | $14.1M | $15.2M | $13.7M | $16.6M | — |
Figures from HCI's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full HCI financials page for every line item.
HCI Company Profile
| Ticker | HCI |
|---|---|
| Exchange | NYSE, OTC |
| Industry | Fire, Marine & Casualty Insurance |
| Headquarters | Tampa, Florida |
| Incorporated in | Florida |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001400810 |
Frequently Asked Questions
What was HCI's revenue in fiscal 2025?
HCI (HCI) reported revenue of $900.9M for fiscal 2025.
What is HCI's annual revenue history?
HCI's annual revenue by fiscal year: 2020: $310.4M; 2021: $407.9M; 2022: $499.6M; 2023: $550.7M; 2024: $750.1M; 2025: $900.9M.
What was HCI's net income in fiscal 2025?
HCI reported net income of $299.0M for fiscal 2025.
What was HCI's earnings per share (EPS) in fiscal 2025?
HCI's diluted EPS was $22.72 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did HCI generate in fiscal 2025?
HCI generated $440.8M of free cash flow in fiscal 2025.
What was HCI's revenue last quarter?
In its most recent reported quarter (2026 Q2), HCI reported revenue of $246.7M.
How much debt does HCI have?
HCI reported $31.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of HCI are outstanding?
HCI reported a weighted average of 12.3 million basic shares outstanding in 2026 Q2.
What is HCI's market cap?
Based on its latest closing price, HCI (HCI) has a market capitalization of about $2.52B.
When does HCI's fiscal year end?
HCI's fiscal year end, as registered with the SEC, is December 31.
Where is HCI headquartered?
HCI lists its business address in Tampa, Florida in its SEC filings.