Welcome to our dedicated page for Hci Group SEC filings (Ticker: HCI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The HCI Group, Inc. (NYSE: HCI) SEC filings page provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. As a Florida-incorporated holding company in the direct property and casualty insurance industry, HCI uses SEC reports to present information on its insurance operations, catastrophe reinsurance programs, capital structure, executive and director compensation, and the activities of its majority-owned insurance technology subsidiary, Exzeo Group, Inc.
Through current reports on Form 8-K, HCI discloses material events such as quarterly and year-to-date earnings results, including pre-tax income, net income, diluted earnings per share, gross premiums earned, premiums ceded for reinsurance, and loss ratios. These filings often attach earnings releases as exhibits and describe related investor conference calls and webcasts. Other 8-K filings cover topics like the completion of catastrophe reinsurance programs for specific treaty years, compensation plans for executives and non-employee directors, and compensation arrangements at Exzeo.
Filings also document HCI’s relationship with Exzeo Group, Inc., including Exzeo’s registration statement on Form S-1 for a proposed initial public offering, preliminary revenue and net income estimates, and governance matters such as executive employment agreements and trading plans under Rule 10b5-1. These disclosures help investors understand how Exzeo fits into HCI’s broader insurance and technology strategy.
On this page, users can review HCI’s SEC filings alongside AI-powered summaries that highlight key points from lengthy documents. Real-time updates from EDGAR allow quick access to new 8-Ks and, where applicable, other filings such as annual and quarterly reports. The platform also surfaces information about executive compensation and equity awards that appear in HCI’s filings, as well as details about reinsurance structures and other material agreements referenced in exhibits.
By combining the full text of HCI’s SEC submissions with AI-generated explanations, this page is intended to make it easier to interpret complex regulatory language, track developments affecting HCI’s insurance and technology operations, and monitor governance and compensation decisions disclosed through the company’s official filings.
HCI Group Inc — The Vanguard Group filed an amended Schedule 13G reporting 0 shares beneficially owned and 0% of the class following an internal realignment on January 12, 2026. The filing states certain Vanguard subsidiaries will report ownership separately and that Vanguard no longer is deemed to beneficially own those securities.
The amendment is signed by Ashley Grim, Head of Global Fund Administration, dated March 27, 2026.
HCI Group, Inc. details in its annual report that it is primarily a Florida-focused property and casualty insurer supported by technology, reciprocal exchange management, and real estate operations. The company writes homeowners coverage mainly in Florida and nearby regions, using a captive reinsurer and policy assumptions, including from Citizens, to grow.
HCI operates through five reportable segments: Insurance Operations, Exzeo, Reciprocal Exchange Operations, Real Estate, and Corporate and Other. Majority‑owned subsidiary Exzeo completed an IPO and now provides insurance technology and reinsurance placement services to HCI and third parties while remaining 82.5% owned. HCI also owns marinas, shopping centers, office parks, and undeveloped land in Florida, generating rental income and development opportunities.
The filing emphasizes key risks: heavy geographic concentration in Florida, catastrophe exposure to hurricanes and severe weather, reinsurance availability and collectability, reserve uncertainty, strong competition, regulatory constraints, cybersecurity threats, and dependence on key executives and skilled staff. HCI describes layered cybersecurity controls, third‑party oversight, board‑level sustainability and cybersecurity governance, and human‑capital initiatives including competitive benefits, equity incentives, and diversity and inclusion programs.
HCI Group, Inc. reported sharply stronger results for the fourth quarter and full year 2025, highlighted by much higher profitability and lower loss ratios. Fourth quarter pre-tax income rose to $144 million and net income to $108 million, with diluted EPS climbing to $7.25 from $0.23 a year earlier. Full year 2025 pre-tax income reached $429 million and net income $320 million, up from $173 million and $128 million in 2024, while diluted EPS increased to $22.72 from $8.89. The gross loss ratio improved to 15.6% in the fourth quarter and 19.6% for 2025, reflecting lower catastrophe losses and favorable prior-year development. Gross premiums earned grew to $1,236 million in 2025 as policy volume increased. Management described 2025 as a record year, noted the successful IPO of technology subsidiary Exzeo, and indicated plans for a forthcoming share buyback program. Book value per share rose to $80.13 with stockholders’ equity of $1,041 million and cash and cash equivalents of $1,210 million as of December 31, 2025.
HCI Group, Inc. director and CEO Paresh Patel exercised stock options to acquire additional common shares. On February 23, 2026, he exercised options for 20,000 shares of common stock at an exercise price of $40.00 per share, described as an exercise or conversion of a derivative security.
The options were granted under HCI Group’s 2012 Omnibus Incentive Plan, with footnotes noting grant dates, exercise prices and vesting terms. The filing also describes other direct and indirect holdings, including jointly held shares with his spouse and shares held in an IRA.
Khrom Capital Management LLC filed an amended Schedule 13G reporting its beneficial ownership of HCI Group, Inc. common shares. As of 12/31/2025, Khrom Capital beneficially owned 560,268 common shares, representing 4.32% of HCI's outstanding common stock.
Khrom Capital reports sole voting and sole dispositive power over all 560,268 shares, with no shared voting or dispositive power. The filing states that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of HCI Group, Inc. The report is signed by COO Eduard Skutelsky on 02/17/2026.
Hood River Capital Management LLC has filed an amended Schedule 13G reporting its beneficial ownership in HCI Group Inc. common stock as of 12/31/2025. The firm reports beneficial ownership of 747,783 shares, representing 5.77% of HCI Group’s outstanding common stock.
Hood River reports no voting power over these shares but has sole dispositive power, meaning it can decide when to sell them. The filing states the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of HCI Group.
HCI Group, Inc. reported an insider equity award for its General Counsel, who is an officer of the company. On 12/19/2025, the officer received a restricted stock grant of 1,251 shares of common stock under the company’s 2012 Omnibus Incentive Plan.
The filing explains that these 1,251 restricted shares are scheduled to vest in three equal installments of 417 shares on each of October 23, 2026, October 23, 2027, and October 23, 2028, subject to continued employment. It also notes an earlier restricted stock grant of 34,000 shares effective 2/26/2021, which has met its vesting condition and is scheduled to vest on May 22, 2026 if the officer remains employed.
HCI Group, Inc. director and Division President Anthony Saravanos reported equity awards and holdings in company common stock. On 12/19/2025, he received a restricted stock grant of 621 shares, with restrictions scheduled to lapse in three equal installments of 207 shares on October 23, 2026, October 23, 2027, and October 23, 2028, under the company’s 2012 Omnibus Incentive Plan.
The filing also notes a prior restricted stock grant of 34,000 shares effective February 26, 2021, which has met its vesting condition and is scheduled to vest on May 22, 2026, contingent on continued employment. Saravanos reports both direct and indirect ownership of HCI Group common stock, including holdings through an LLC, an IRA, and a custodial account.
HCI Group, Inc. reported a new equity award to its Chief Financial Officer, James Mark Harmsworth. On 12/19/2025, he received a restricted stock grant of 1,251 shares of common stock under the company’s 2012 Omnibus Incentive Plan. These shares are scheduled to vest in three equal installments of 417 shares on October 23, 2026, October 23, 2027, and October 23, 2028, subject to continued employment.
The filing also notes an earlier restricted stock grant of 34,000 shares effective 2/26/2021, for which vesting conditions have been met and which is scheduled to vest on May 22, 2026, as long as he remains employed by the company. Following the reported transactions, Harmsworth beneficially owns 16,608 shares of common stock directly.
HCI Group, Inc. director and Chief Operating Officer Karin Coleman reported equity awards and holdings in company common stock. The filing shows she beneficially owns 24,325.14 shares of common stock directly following the reported transactions. It also notes a previously granted award of 34,000 restricted shares, effective February 26, 2021, that are scheduled to vest on May 22, 2026 if she remains employed by the company.
In addition, she received a new restricted stock grant of 1,251 shares effective December 19, 2025. Restrictions on these shares will lapse in three equal installments of 417 shares on October 23, 2026, October 23, 2027, and October 23, 2028, subject to continued employment. Both grants were made under HCI Group’s 2012 Omnibus Incentive Plan and related restricted stock agreements.