HCI Group, Inc. (HCI) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Revenue | 242.88M | 246.24M | 216.4M | 221.95M | 217.06M | 161.44M | 175.24M | 206.35M | 206.42M | 162.66M | 131.54M | 127.34M | 128.48M | 115.93M | 125.39M | 125.4M | 125.27M | 110.87M | 97.61M | 99.96M |
| Revenue Growth % | 11.9% | 52.53% | 23.49% | 7.56% | 5.15% | -0.75% | 33.22% | 62.05% | 60.67% | 40.31% | 4.9% | 1.55% | 2.56% | 4.56% | 28.46% | 25.45% | 33.11% | 57.65% | 46.88% | 23.97% |
| Medical Costs & Claims | 65.6M | 51.93M | 97.81M | 95.01M | 86.58M | 138.43M | 131.84M | 101.78M | 102.06M | 88.11M | 89.49M | 84.51M | 83.28M | 96.16M | 164.47M | 113.69M | 102.11M | 87.35M | 86M | 79.09M |
| Medical Cost Ratio % | 27.01% | 21.09% | 45.2% | 42.81% | 39.89% | 85.75% | 75.23% | 49.32% | 49.44% | 54.17% | 68.04% | 66.37% | 64.83% | 82.95% | 131.17% | 90.66% | 81.51% | 78.79% | 88.11% | 79.12% |
| Gross Profit | 177.28M | 194.32M | 118.6M | 126.94M | 130.48M | 23.01M | 43.4M | 104.58M | 104.36M | 74.54M | 42.04M | 42.83M | 45.19M | 19.76M | -39.08M | 11.71M | 23.16M | 23.52M | 11.61M | 20.87M |
| Gross Margin % | 72.99% | 78.91% | 54.8% | 57.19% | 60.11% | 14.25% | 24.77% | 50.68% | 50.56% | 45.83% | 31.96% | 33.63% | 35.17% | 17.05% | -31.17% | 9.34% | 18.49% | 21.21% | 11.89% | 20.88% |
| Gross Profit Growth % | 35.87% | 744.53% | 173.28% | 21.39% | 25.03% | -69.13% | 3.22% | 144.17% | 130.93% | 277.17% | 207.58% | 265.88% | 95.12% | -15.97% | -436.69% | -43.91% | -8.44% | 55.51% | 2203.17% | -24.91% |
| Operating Expenses | 61.9M | 50.32M | 28M | 32.55M | 30.14M | 17.12M | 29.32M | 28.55M | 26.93M | 20.38M | 21.96M | 22.56M | 22.05M | 17.02M | 24.52M | 23.27M | 19.16M | 20.98M | 18.11M | 15.77M |
| OpEx / Revenue % | 25.48% | 20.43% | 12.94% | 14.67% | 13.89% | 10.6% | 16.73% | 13.84% | 13.05% | 12.53% | 16.69% | 17.72% | 17.17% | 14.68% | 19.55% | 18.55% | 15.29% | 18.92% | 18.56% | 15.78% |
| Depreciation & Amortization | 0 | 2.34M | 2.32M | 4.54M | 2.02M | 2.19M | 2.16M | -1.05M | 1M | 1.98M | 1.97M | 2M | 2.23M | 2.35M | 2.16M | 1.98M | 1.52M | 1.27M | 1.35M | 1.56M |
| Combined Ratio % | 52.49% | 41.52% | 58.13% | 57.47% | 53.77% | 96.35% | 91.97% | 63.16% | 62.49% | 66.7% | 84.73% | 84.08% | 81.99% | 97.63% | 150.72% | 109.22% | 96.81% | 97.71% | 106.66% | 94.9% |
| Operating Income | 115.38M | 144M | 90.6M | 94.39M | 100.34M | 5.89M | 14.08M | 76.03M | 77.43M | 54.16M | 20.09M | 20.27M | 23.14M | 2.74M | -63.6M | -11.56M | 4M | 2.54M | -6.5M | 5.1M |
| Operating Margin % | 47.51% | 58.48% | 41.87% | 42.53% | 46.23% | 3.65% | 8.03% | 36.84% | 37.51% | 33.3% | 15.27% | 15.92% | 18.01% | 2.37% | -50.72% | -9.22% | 3.19% | 2.29% | -6.66% | 5.1% |
| Operating Income Growth % | 14.99% | 2344.41% | 543.46% | 24.16% | 29.59% | -89.12% | -29.91% | 275.14% | 234.67% | 1874.48% | 131.58% | 275.31% | 478.26% | 8.08% | -877.89% | -326.8% | -60.39% | -12.84% | -130.2% | -56.89% |
| EBITDA | 116.31M | 146.34M | 92.92M | 98.93M | 102.36M | 8.08M | 16.24M | 74.98M | 78.43M | 56.14M | 22.06M | 22.27M | 25.37M | 5.09M | -61.44M | -9.58M | 5.52M | 3.81M | -5.16M | 6.66M |
| EBITDA Margin % | 47.89% | 59.43% | 42.94% | 44.57% | 47.16% | 5% | 9.27% | 36.33% | 38% | 34.52% | 16.77% | 17.48% | 19.74% | 4.39% | -49% | -7.64% | 4.4% | 3.44% | -5.28% | 6.66% |
| Interest Expense | 923K | 1.01M | 1.02M | 3.74M | 3.38M | 3.26M | 3.42M | 3.45M | 3.15M | 2.82M | 2.83M | 2.67M | 2.8M | 2.71M | 2.81M | 1.51M | 601K | 657K | 1.66M | 2M |
| Non-Operating Income | -923K | -1.01M | -1.02M | -3.74M | -3.38M | -3.26M | -3.42M | -3.45M | -3.15M | -2.74M | -2.83M | -2.67M | -2.8M | -2.71M | -2.81M | -1.51M | -601K | -559K | -1.66M | -2M |
| Pretax Income | 115.38M | 144M | 90.6M | 94.39M | 100.34M | 5.89M | 14.08M | 76.03M | 77.43M | 54.16M | 20.09M | 20.27M | 23.14M | 2.74M | -63.6M | -11.56M | 4M | 2.54M | -6.5M | 5.1M |
| Pretax Margin % | 47.51% | 58.48% | 41.87% | 42.53% | 46.23% | 3.65% | 8.03% | 36.84% | 37.51% | 33.3% | 15.27% | 15.92% | 18.01% | 2.37% | -50.72% | -9.22% | 3.19% | 2.29% | -6.66% | 5.1% |
| Income Tax | 30.34M | 36M | 22.71M | 24.11M | 26.11M | 1.76M | 4.69M | 18.93M | 20.47M | 13.25M | 4.42M | 5.38M | 5.34M | 92K | -12.1M | -3.02M | 1.21M | 1.1M | -1.64M | 1.27M |
| Effective Tax Rate % | 26.3% | 25% | 25.07% | 25.55% | 26.02% | 29.83% | 33.3% | 24.9% | 26.44% | 24.46% | 22% | 26.57% | 23.09% | 3.35% | 19.02% | 26.11% | 30.24% | 43.46% | 25.15% | 24.86% |
| Net Income | 73.41M | 97.65M | 65.51M | 66.16M | 69.68M | 2.58M | 5.68M | 54.08M | 47.61M | 38.1M | 13.16M | 12.44M | 15.34M | 1.53M | -50.96M | -9.98M | 903K | 33K | -6.3M | 1.92M |
| Net Margin % | 30.22% | 39.66% | 30.27% | 29.81% | 32.1% | 1.6% | 3.24% | 26.21% | 23.07% | 23.42% | 10% | 9.77% | 11.94% | 1.32% | -40.64% | -7.96% | 0.72% | 0.03% | -6.45% | 1.92% |
| Net Income Growth % | 5.34% | 3679.18% | 1052.89% | 22.35% | 46.36% | -93.22% | -56.81% | 334.59% | 210.41% | 2396.46% | 125.82% | 224.67% | 1598.56% | 4524.24% | -709.39% | -620.66% | -85.31% | -98.78% | -140.91% | -78.55% |
| EPS (Diluted) | 6.60 | 8.38 | 4.90 | 5.18 | 5.35 | 0.20 | 0.52 | 4.24 | 3.81 | 3.39 | 1.34 | 1.28 | 1.54 | 0.32 | -6.11 | -0.95 | 0.29 | 0.01 | -0.78 | 0.24 |
| EPS Growth % | 23.36% | 4090% | 842.31% | 22.17% | 40.42% | -94.1% | -61.19% | 231.25% | 147.4% | 959.38% | 121.93% | 234.74% | 431.03% | - | -683.33% | -495.83% | -61.33% | -97.34% | -145.88% | -77.78% |
| EPS (Basic) | 7.46 | 9.47 | 5.05 | 5.57 | 6.47 | 0.22 | 0.54 | 5.18 | 4.76 | 4.31 | 1.53 | 1.45 | 1.78 | 0.32 | -6.12 | -0.95 | 0.29 | 0.01 | -0.79 | 0.25 |
| Diluted Shares Outstanding | 12.88M | 12.88M | 12.88M | 12.88M | 12.69M | 12.69M | 10.51M | 12.7M | 12.62M | 11.45M | 10.97M | 10.92M | 10.86M | 8.36M | 8.43M | 9.02M | 9.77M | 9.99M | 8.02M | 7.95M |