All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2022-06-07.
From the record
HCI Group, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2022-06-07) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+14.6% a year over 10 filed years; profitable in 8 of 10.
From the record
HCI Group, Inc.'s 10 filed years say what it did: revenue went from $264 million in fiscal 2016 to $901 million in fiscal 2025, up 14.6% a year; it rose in 7 of 9 years; the deepest fall was 13% from fiscal 2016 to fiscal 2018; net income was positive in 8 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 13.5% a year. 5% of cash flow returned. Insiders: 0 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, HCI Group, Inc.'s diluted share count grew about 13.5% a year, and dividends and buybacks returned about 5% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-10-27 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 29%: 29¢ of profit per shareholder dollar. Leverage 59%: owes 59¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, HCI Group, Inc. earned about 29 cents of profit for every dollar of shareholders' money. Leverage: it owed about 59 cents per dollar of assets, and net share issuance: its share count grew 1.5% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 33% of 60 in its family; net margin 33.2%.
From the record
HCI Group, Inc.'s standing among 60 graded names in its industry family: revenue of $901 million in fiscal 2025 ranks in the bottom 38% by size; a net margin of 33.2% ranks in the top 7%; revenue growth of 21.7% a year over the last 3 filed years ranks in the top 29% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 29% of 47 in its family for leadership; chief executive since 2011.
From the record
HCI Group, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Patel, Paresh (Chief Executive Officer, as filed), filing under that title since 2011-08-05, 15.3 years (top 7% of its family); the 10 officers and directors filing in the last fifteen months have been on the record a median of 15.1 years (top 1%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 10 people in charge now (bottom 23%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 5% of 60 in its family for room to expand.
From the record
HCI Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $1.2 billion against no long-term debt tagged leaves 47.9% of its assets as net cash, top 2% of its family; cash from operations less capital spending is 48.9% of revenue (top 7%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 39% of 56 in its family for growth drivers.
From the record
HCI Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 21.7% a year over the last three filed years against 14.6% over all 10, speeding up (top 24% of its family); the newest year grew 20.1% (top 22%); capital spending grew -16.9% a year (bottom 28%) (its annual reports). HCI Group, Inc. reported 4 lines of business in fiscal 2025: Insurance Operation at $834 million, Exzeo Group Inc at $221 million, Reciprocal Exchange Operation at $66 million, and 1 more. 4 of 4 grew in the latest filed year, and the largest line is 73% of revenue (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 16% of 56 in its family for expectations against reality.
From the record
HCI Group, Inc.'s newest year against its own record: revenue of $901 million in fiscal 2025 came in 2% below the $919 million its prior three years' pace pointed to (top 29% of its family); net income of $299 million against a prior three-year average of $43 million (top 6%); a net margin of 33.2% against 5.8% before (top 12%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made