HCI Group, Inc. reported a strong second quarter for 2025, with pre-tax income of $94.4 million and diluted earnings per share of $5.18. This represents an increase from $4.24 diluted EPS in the second quarter of 2024, demonstrating continued profitability.
Book value per share increased to $58.55, reflecting the company's growing shareholder equity. Consolidated gross premiums earned in the second quarter rose by 14.8% to $302.6 million, driven by a higher volume of policies in force.
The gross loss ratio improved to 21.3% in Q2 2025, down from 29.7% in Q2 2024, primarily due to a decline in claims and litigation frequency. For the first six months of 2025, diluted EPS reached $10.57, and the gross loss ratio was 20.5%.
Management confirmed continued progress on initiatives to unlock shareholder value and establish Exzeo as an independent, publicly traded entity. The quarter also included a $1.1 million debt conversion charge related to the conversion of the 4.75% Convertible Senior Notes.
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