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HCI Group cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$74.5M in Q3 2026 · $458M over twelve months

Operating cash flow$74.9M
Capital spending−$410K
Free cash flow+$74.5M
Cash / net income0.9×

Analysis

In Q3 2026, HCI Group generated $74.9M of operating cash flow and spent $410K on capital projects, leaving free cash flow of $74.5M. That is $48.6M more than in Q3 2025 ($25.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $460M; the largest uses were other investing ($726M), buybacks ($81.5M), dividends ($20.4M); besides operations, cash came from other financing ($130M), asset & business sales ($1.4M); the cash balance fell by $244M.

Operating cash flow was $74.9M against net income of $86.2M — 0.9× profit, less cash than reported earnings, worth checking against working capital. The largest differences: stock-based pay +$3.3M, prepaid and other assets +$2.9M, depreciation & amortization +$2.1M.

Free cash flow

HCI Group: free cash flow by quarterHCI Group: free cash flow by quarter$73.6MQ4 2024$160MQ1 2025$144MQ2 2025$25.9MQ3 2025$110MQ4 2025$148MQ1 2026$125MQ2 2026$74.5MQ3 2026
Operating cash flow less capital spending.
HCI Group: operating cash flow against capital spendingHCI Group: operating cash flow against capital spendingOperating cash flowCapital spending$74.7M$1.1MQ4 2024$162M$1.7MQ1 2025$145M$522KQ2 2025$26.7M$794KQ3 2025$111M$585KQ4 2025$149M$335KQ1 2026$125M$290KQ2 2026$74.9M$410KQ3 2026
Latest (Q3 2026): Operating cash flow $74.9M, Capital spending $410K.

Capital allocation, year by year

HCI Group: where the cash came from (up) and went (down), by fiscal yearHCI Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $96.5MFY2021: Net borrowing −$8.8MFY2021: Capital spending −$3.3MFY2021: Buybacks −$1.3MFY2021: Dividends −$14.1M$96.5MFY2021FY2022: Operating cash flow −$12KFY2022: Net borrowing $157MFY2022: Capital spending −$6.3MFY2022: Buybacks −$71.2MFY2022: Dividends −$15.2M$157MFY2022FY2023: Operating cash flow $231MFY2023: Net borrowing $12.0MFY2023: Shares issued $84.6MFY2023: Capital spending −$6.5MFY2023: Buybacks −$784KFY2023: Dividends −$13.7M$327MFY2023FY2024: Operating cash flow $332MFY2024: Net borrowing $44.0MFY2024: Asset sales $14KFY2024: Capital spending −$4.1MFY2024: Buybacks −$1.0MFY2024: Dividends −$16.6M$376MFY2024FY2025: Operating cash flow $444MFY2025: Net borrowing $9.0MFY2025: Capital spending −$3.6MFY2025: Buybacks −$1.5MFY2025: Dividends −$19.3M$453MFY2025
Over these 5 years operating cash flow totalled $1.1B; the largest uses were dividends ($78.9M) and buybacks ($75.9M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$744M
Debt$31.3M
Net cash$712M

HCI Group funds itself: free cash flow was $458M over the last twelve months, and $744M of cash and investments stands against $31.3M of debt.

Where the cash came from and went

HCI Group: sources (+) and uses (−) of cash, Q3 2026HCI Group: sources (+) and uses (−) of cash, Q3 2026Other investing−$191MCash drawn (+) / kept (−)$129MOperating cash flow$74.9MBuybacks−$5.5MDividends−$5.0MOther financing−$1.6MAsset & business sales$662KReal estate bought−$435KCapital spending−$410KExchange rates−$34K
HCI Group: sources (+) and uses (−) of cash, TTM to Q3 2026HCI Group: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$726MOperating cash flow$460MCash drawn (+) / kept (−)$244MOther financing$130MBuybacks−$81.5MDividends−$20.4MNet borrowing (+) / repaid (−)−$2.0MCapital spending−$1.6MPartners−$1.6MAsset & business sales$1.4MReal estate bought−$1.3MExchange rates−$282K

From profit to cash

HCI Group: net income to operating cash flow, Q3 2026HCI Group: net income to operating cash flow, Q3 2026Net income$86.2MDepreciation & amortization$2.1MStock-based pay$3.3MDeferred taxes$738KOther non-cash−$35KPrepaid and other assets$2.9MOperating cash flow$74.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$74.9M−$410K−$5.5M−$5.0M——$129M$74.5M
Q2 2026$125M−$290K−$57.0M−$5.1M——$141M$125M
Q1 2026$149M−$335K−$17.5M−$5.2M—$800K$196M$148M
Q4 2025$111M−$585K−$1.5M−$5.2M−$2.0M—−$222M$110M
Q3 2025$26.7M−$794K—−$5.2M−$2.0M—−$40.8M$25.9M
Q2 2025$145M−$522K—−$4.6M−$2.0M—−$193M$144M
Q1 2025$162M−$1.7M—−$4.3M−$2.0M—−$222M$160M
Q4 2024$74.7M−$1.1M—−$4.2M−$2.0M—−$14.1M$73.6M

HCI Group: income statement and cash flow

HCI Group, Q3 2026: revenue $245M (+13% year over year), operating margin 47.5%. The chart follows the revenue to costs, profit and cash.

HCI Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.