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.
HCI Group, Inc. filings document formal disclosures for a Florida-based holding company with property and casualty insurance, reinsurance, real estate, claims services and insurance technology operations. Its Form 8-K reports include earnings releases, operating-result exhibits, preliminary subsidiary financial information, material agreements and executive compensation actions.
Proxy materials describe board elections, auditor ratification, advisory executive-compensation votes and shareholder meeting procedures. Other filings address HCI's common-share governance, subsidiary matters involving Exzeo Group, compensatory equity awards, exhibits and XBRL cover-page data associated with its periodic market updates.
HCI Group, Inc. outlined a comprehensive catastrophe reinsurance program for the June 1, 2026 to May 31, 2027 treaty year covering its four insurance companies through three fully placed reinsurance towers.
Reinsurance Tower 1, covering Homeowners Choice in central and southern Florida, provides up to $1.06 billion of coverage for a single event and $1.96 billion in total, with a $10.0 million retention per first and second event. Tower 2, covering all TypTap policies and Homeowners Choice policies outside Florida, provides up to $830.3 million for a single Florida event, $605.0 million for a single event outside Florida, and $1.45 billion in total, also with a $10.0 million retention.
Tower 3, covering Tailrow, CORE and northern Florida Homeowners Choice policies, provides up to $431.5 million of coverage for a single event and $649.7 million in total, with a $2.8 million retention. Across the towers, Florida Hurricane Catastrophe Fund coverage is estimated at 45% of specified layers, and private reinsurers plus HCI’s own reinsurers Claddaugh and Fortex Re provide the balance, including full reinstatement premium protection. HCI expects to cede approximately $381.2 million of consolidated reinsurance premiums to third parties (excluding Claddaugh and Fortex Re) over the treaty year, while Claddaugh and Fortex Re have a combined estimated maximum retained loss of $139.8 million for a first event and $52.3 million for a second event.
HCI Group, Inc. Chief Financial Officer James Mark Harmsworth reported a compensation-related share withholding to cover taxes. On May 22, 2026, 13,379 shares of common stock were surrendered at $157.79 per share to satisfy estimated federal tax liability tied to the vesting of 34,000 restricted shares.
Following these entries, he reports direct ownership positions of 1,251 and 37,229 common shares in separate holdings. A prior restricted stock grant received on December 19, 2025 will vest in equal parts on October 23, 2026, October 23, 2027, and October 23, 2028 under the company’s 2012 Omnibus Incentive Plan.
Saravanos Anthony reported disposition transactions in this Form 4 filing.
HCI Group, Inc. Division President Anthony Saravanos reported routine share activity related to restricted stock vesting. On May 22, 2026, 13,384 shares of common stock were surrendered at $157.79 per share to cover the estimated federal tax liability tied to the vesting of 34,000 restricted shares. The filing also lists his post-transaction holdings, including 95,233 shares held directly in one account, additional directly held shares, and indirect interests through an IRA, a custodial account for a family member, and HC Investment LLC.
HCI Group, Inc. General Counsel Andrew L. Graham reported a tax-withholding share disposition related to restricted stock vesting. On May 22, 2026, he surrendered 13,379 shares of common stock at $157.79 per share to cover estimated federal tax liability tied to the vesting of 34,000 restricted shares. The filing also lists direct holdings of 1,251 shares and 43,851 shares of common stock following the transactions.
HCI Group, Inc. reported that Chief Operating Officer Karin Sue Coleman surrendered 13,379 shares of common stock on May 22, 2026 to cover estimated federal tax liability tied to the vesting of 34,000 restricted shares. This was a tax-withholding disposition at $157.7900 per share, not an open-market sale. After these transactions, she continues to hold direct positions reported at 1,251.0000 and 44,946.1400 common shares.
Hood River Capital Management LLC filed an amendment to a Schedule 13G reporting beneficial ownership of 623,801 shares of HCI Group Inc. common stock, representing 4.80% of the class. The filing lists sole dispositive power over those shares and zero voting power. The filing is signed by Robert Schmaltz, CCO/COO, dated 05/01/2026.
HCI Group, Inc. reported solid first-quarter 2026 results, earning net income of $85.0M on total revenue of $242.9M. Net premiums earned rose to $222.2M, supported by gross premiums earned of $326.2M and continued use of reinsurance to manage risk.
Investment income contributed $17.3M, and cash and cash equivalents plus restricted cash totaled $1.02B as of March 31, 2026. Total assets reached $2.61B, with stockholders’ equity of $1.09B. Basic earnings per share were $5.62, and diluted earnings per share were $5.45.
The company repurchased 110,071 shares for $17.5M and paid a quarterly dividend of $0.40 per share. Operating cash flow was strong at $148.8M. HCI also highlighted segment contributions from its insurance operations, technology subsidiary Exzeo, reciprocal exchanges, and real estate portfolio.
HCI Group, Inc. reported stronger results for the first quarter of 2026. Pre-tax income rose to $115.4 million from $100.3 million, while net income increased to $85.0 million from $74.2 million. Net income after noncontrolling interests was $73.4 million versus $69.7 million a year earlier.
Diluted earnings per share were $5.45, up from $5.35, as gross premiums earned grew to $326.2 million from $300.4 million. The gross loss and loss adjustment expense ratio stayed low at 20.1%. HCI also continued returning capital, repurchasing 239,435 shares for $37.5 million under an up to $80 million buyback program, while book value per share reached $84.41 at March 31, 2026.
HCI Group, Inc. presents its 2026 annual meeting proxy, combining strong 2025 results with proposals on directors, auditors and executive pay. Shareholders will vote on electing four directors, ratifying Forvis Mazars, LLP as auditor for 2026, and approving 2025 executive compensation on an advisory basis.
In 2025, net income reached $320 million before noncontrolling interest, with diluted EPS of $22.72, net premiums earned up 21%, and book value per share rising from $42.10 to $80.13. Gross premiums earned were $1.2 billion, the net combined ratio was 56%, and return on equity was 42%, contributing to an average ROE of 18% over the past decade. HCI’s technology subsidiary Exzeo completed an IPO, reaching a market value of $2.0 billion, of which HCI owns 82.5%. CEO total 2025 compensation was $8.24 million, heavily weighted to performance-based bonus, and the company highlights long-term equity incentives, clawback provisions, and share ownership policies.