HCI Group, Inc. (HCI)

HCI Group's stock has been impacted by strong financial performance, including a 17% year-over-year increase in gross premiums written in Q3 2025. The company continued its participation in Florida's Citizens Property Insurance Corporation's depopulation program, assuming 47,000 policies in October 2025. HCI Group successfully completed its catastrophe reinsurance programs for the 2025-2026 treaty year, securing over $3.5 billion in coverage. Exzeo Group Inc. filed for an initial public offering (IPO) in September 2025, with an IPO price expected between $20 and $22 per share in October 2025. HCI Group CEO extended his leadership role and equity commitment in December 2025.

Demand seasonality for HCI Group's products and services is significantly influenced by the hurricane season, particularly in Florida. The company's catastrophe reinsurance programs are structured to provide coverage during the wind season, which typically runs from June 1st through May 31st. The company's business model and financial planning are adapted to manage the seasonal nature of catastrophic weather events.

HCI Group, Inc. is a diversified holding company primarily engaged in the property and casualty insurance business, operating within the Financials sector. The company's business model is diversified across Insurance, Technology Solutions, Reinsurance, and Real Estate. It offers property and casualty insurance through subsidiaries like Homeowners Choice and TypTap, technology solutions via Exzeo Group Inc., reinsurance managed by Claddaugh Casualty Insurance Company Ltd., and real estate through Greenleaf Capital.

HCI Group, Inc. is headquartered in Tampa, Florida. Its primary insurance operations are focused on Florida, while TypTap Insurance Company has expanded its homeowners insurance offerings across 13 states. The real estate operations through Greenleaf Capital are also concentrated in Florida.

HCI Group's brand reputation has been positively influenced by its strong financial performance, strategic diversification, and technology-driven approach. The company's ability to absorb losses from hurricanes due to a strong balance sheet and reinsurance program has helped maintain its reputation for reliability. There is no explicit information indicating events that negatively impacted HCI Group's brand reputation in the past year.

HCI Group, Inc. is a publicly traded company with ownership primarily distributed among public shareholders, including significant stakes held by institutional investors. Major institutional shareholders include BlackRock, Inc. and The Vanguard Group, Inc., collectively owning approximately 78.69% of the company. Paresh Patel, the founder, CEO, and Chairman of HCI Group, Inc., is a major individual shareholder, directly owning 9.04% of the company's shares. Krishna Persaud is also a significant individual shareholder, owning 3.40% of the company's shares.