HCI Group (HCI) Reports Q3 Earnings: What Key Metrics Have to Say

For the quarter ended September 2025, HCI Group (HCI) reported revenue of $216.35 million, up 23.4% over the same period last year. EPS came in at $4.90, compared to $0.47 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $224.86 million, representing a surprise of -3.79%. The company delivered an EPS surprise of +100.82%, with the consensus EPS estimate being $2.44.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how HCI Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Expense Ratio: 30% compared to the 30% average estimate based on two analysts.
• Combined Ratio: 63.9% versus the two-analyst average estimate of 81.6%.
• Loss Ratio: 33.9% compared to the 51.7% average estimate based on two analysts.
• Net investment income: $17.53 million compared to the $16.01 million average estimate based on three analysts. The reported number represents a change of +27.8% year over year.
• Policy fee income: $1.57 million compared to the $1.35 million average estimate based on three analysts. The reported number represents a change of +27.7% year over year.
• Net premiums earned: $194.99 million versus the three-analyst average estimate of $207.01 million. The reported number represents a year-over-year change of +25.1%.
• Other: $0.43 million versus the three-analyst average estimate of $0.49 million. The reported number represents a year-over-year change of -59%.

View all Key Company Metrics for HCI Group here>>>

Shares of HCI Group have returned +4.4% over the past month versus the Zacks S&P 500 composite's -0.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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