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HCI Group (HCI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · HCI Group (HCI) Q3 2026 earnings results →
Q3 2026 Revenue up 13% year over year to $245M · 34¢ of every $1 of revenue kept as net profit · operating margin 47.5%
HCI Group made $245M in Q3 2026 (+13% Y/Y). Operating margin 47.5%, net earnings $83.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $244.9M in Q3 2026, up 13% year over year and down 1% from the previous quarter.
Operating profit was $116.3M, a 47.5% margin (up 5.6 points year over year). Of the extra revenue versus Q3 2025, 90% reached operating profit, above the 42% margin then. Total costs grew 2% against revenue growth of 13%. Net earnings were $83.5M, up 27% year over year. The effective tax rate was 25.9%.
Operating cash flow was $74.9M (up 181% year over year), 87% of net income including minority interests. Non-cash charges added back $2.1M of depreciation and amortization and $3.3M of share-based compensation. Working capital and other items used $16.8M. Capital expenditures of $410K left free cash flow of $74.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $245M | +13% | 47.5% | $83.5M | $74.9M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $247M | +11% | 45.0% | $73.8M | $125M |
| Q1 2026 | 10-Q | May 7, 2026 | $243M | +12% | 47.5% | $73.4M | $149M |
| Q4 2025 | 10-K | Feb 26, 2026 | $246M | +52% | 58.5% | $97.7M | $111M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $216M | +23% | 41.9% | $65.5M | $26.7M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $222M | +8% | 42.5% | $66.2M | $145M |
| Q1 2025 | 10-Q | May 9, 2025 | $216M | +5% | 46.4% | $69.7M | $162M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About HCI Group
HCI Group, Inc. is a diversified holding company engaged in insurance, reinsurance, real estate, claims services, and insurance technology. The HCI Group portfolio of companies includes multiple property and casualty underwriters and exchanges, two captive reinsurers, a claims management business, a commercial real estate investment company and a leading insurance technology company, Exzeo Group. HCI Group was founded in 2006 and operates in 13 states. HCI Group's common shares trade on the New York Stock Exchange under the ticker symbol "HCI" and are included in the Russell 2000 and S&P SmallCap 600 Index. HCI Group, Inc. regularly publishes financial and other information in the Investor Information section of the company’s website. For more information about HCI Group and its subsidiaries, visit www.hcigroup.com .
In its own words, from its 8-K, filed Aug 6, 2026.
HCI Group against its Fire, Marine & Casualty Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +13% against the peers' median +3%. Operating margin: 47.5% against the peers' median 15.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| HCI HCI Group | Q3 2026 | $245M | +13% | 47.5% |
| BRK-B Berkshire Hathaway | Q2 2026 | $101.8B | +10% | 15.5% |
| PGR Progressive | Q3 2026 | $23.2B | +3% | 14.0% |
| ALL Allstate | Q3 2026 | $17.3B | +0.5% | 15.1% |
| CB Chubb | Q3 2026 | $16.2B | +0.3% | 21.0% |
| TRV Travelers Companies | Q3 2026 | $12.4B | -0.5% | 19.1% |
| AIG American International Group | Q3 2026 | $7.4B | +17% | 15.0% |
| HIG Hartford Insurance Group | Q3 2026 | $7.2B | +4% | 21.9% |
| L Loews | Q3 2026 | $4.8B | +2% | 8.5% |
Source: HCI Group 10-Q on SEC EDGAR · CIK 1400810 · Fire, Marine & Casualty Insurance
13F: who owns HCI and who is buying
More on HCI
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results