Is a Lower Combined Ratio Key to ROOT's Profitability? [Yahoo! Finance]
HCI Group, Inc. (HCI)
Last hci group, inc. earnings: 3/5 04:15 pm
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Source: Yahoo! Finance
A combined ratio — defined as sum of loss ratio and expense ratio — below 100% signals underwriting profitability. ROOT is heavily leaning on technology to improve pricing, one of the strategic pillars of growth. It is building on AI and machine learning to improve its pricing. Its business model relies heavily on acquiring and retaining low risk products while optimizing operational expenses through the use of technology. Also, ROOT focuses on geographic expansion and diversification of distribution channels. The insurer has successfully maintained its gross loss ratio below the long-term target of 60-65%, enabling selective rate cuts while sustaining the desired returns. Root's strong business model has delivered some of the industry's best loss ratios. Improvements in the combined ratio directly translate to higher underwriting profits, reducing dependence on investment income or external capital to cover losses. With the Federal Reserve's recent rate cut and anticipated furthe
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HCI
News
- Assessing HCI Group (HCI) Valuation After Strong Long-Term Shareholder Returns [Yahoo! Finance]Yahoo! Finance
- HCI Group: Strategic Underwriting, Well-Positioned Fundamentals Justify Valuation [Seeking Alpha]Seeking Alpha
- HCI Group (NYSE:HCI) was downgraded by analysts at Oppenheimer Holdings, Inc. from an "outperform" rating to a "market perform" rating.MarketBeat
- HCI Group (NYSE:HCI) had its price target raised by analysts at Citizens Jmp from $225.00 to $255.00. They now have a "market outperform" rating on the stock.MarketBeat
- Is HCI Group's Valuation Justified After 58.5% Rally and Expanded Coverage Announcement? [Yahoo! Finance]Yahoo! Finance
HCI
Earnings
- 11/6/25 - Beat
HCI
Sec Filings
- 11/14/25 - Form SCHEDULE
- 11/7/25 - Form 10-Q
- 11/6/25 - Form 8-K
- HCI's page on the SEC website