Slides
Page 1
HCI Investor Presentation NYSE : HCI | AUGUST 2026
Page 2
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Forward-Looking Statement This presentation includes certain forward‐looking statements and information, including statements regarding plans, strategies and expectations of HCI Group, Inc. (“HCI” or the “Company”). When used in this presentation, words such as “believes,” “anticipates,” “expects,” “estimates,” or words of similar meaning are generally intended to identify forward‐looking statements. All statements other than statements of historical fact included in this presentation are forward‐looking statements. These forward‐looking statements are subject to risks, uncertainties, assumptions and other factors, many of which are beyond the control of the Company. Important factors that could cause actual results to differ materially from those expressed or implied by the forward‐looking statements are described in the Company’s filings it makes from time to time with the Securities and Exchange Commission, including within the “Risk Factors” section of the Annual Report on Form 10‐K for the year ended December 31, 2025, filed February 26, 2026. 1
Page 3
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 $1.29B $86.60 Book Value Per Share (as of 6/30/26) 21.1% Gross Loss Ratio (1H 2026) 6% $111M Pre-tax Income (2Q 2026) $5.60 Diluted Earnings Per Share (2Q 2026) About Us Premiums In-Force (as of 6/30/26) Debt to Capital Ratio (as of 6/30/26) 2
Page 4
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Highlights - 3 A diversified holding company engaged in insurance, reinsurance, real estate, claims services, and insurance technology through majority ownership. Combining technology and industry knowledge to drive profitable growth Allocating capital with purpose and discipline while managing risk Creating long-term value for our shareholders 35% TRAILING 3 -YEAR ROE 2 2006 Founded 63 Consecutive quarters of dividends since 2010 $1.60 Annual dividend per share to shareholders (1) As of 6/30/2026 (2) Includes hurricanes Milton, Debby and Helene – as of 6/30/26 (3) Includes $343M buybacks and $199M dividends – as of 6/30/26 32% TRAILING 12-MONTHS ROE 1 $542M Capital returned to shareholders since inception3 2008 IPO
Page 5
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 HCI Organizational Structure 4 Insurance Operations Non- Insurance Operations Insurance Companies Reinsurance Investments HCI owns 75 million shares, or ~83.1% ownership, in Exzeo Group, Inc. (NYSE: XZO)1 Real Estate Claims Services Fortex Reinsurance (1) As of 6/30/2026, inclusive of unvested restricted stock.
Page 6
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Growing Through Investment & Innovation 2006 2008 2011 2012 2016 20182007 2020 Incorporated Homeowners Choice in Florida Executed first Citizens assumption Launched real estate division Started information technology business Launched TypTap insurance business Introduced TypTap Homeowners product 5 TypTap launches nationwide expansion Formed captive reinsurance division 2023 HCI Group premium in force exceeds $1 billion 2024 Condo Owners Reciprocal Exchange (CORE) commences operations Completed initial public offering 2025 Exzeo Group Inc. becomes publicly traded company (XZO) Tailrow Insurance Exchange commences operations Griston Claim Management is incorporated 2026 Fortex Reinsurance SPC, Ltd. is licensed in the Cayman Islands 2022 perRisk incorporated for E&S coverage
Page 7
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Shareholders Equity (in $M) Steady Improvement $163 $325 $453 $1,041 $1,080 2022 2023 2024 2025 2Q26 6 (1) Excludes preferreds Book Value Per Share $18.91 $33.36 $42.10 $80.13 $86.60 2022 2023 2024 2025 2Q26 Invested Assets (in $M) $850 $1,057 $1,407 $2,000 $2,146 2022 2023 2024 2025 2Q26 Debt Leverage (%) 57% 39% 34% 6% 6% 2022 2023 2024 2025 2Q26 1
Page 8
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 HCI Group Investment Portfolio A conservative allocation, positioned for higher rates and opportunistic investments 7 3% 5% 51% 41% 1% Fixed Income1 Cash Real Estate & Other Equity Limited Partnerships Total Invested Assets $2.1 billion (1) Fixed income duration of ~4.6 years, as of 06/30/26
Page 9
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Insurance Operations 8
Page 10
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Launched in 2007 Homeowners and condominium owners insurance primarily in Florida Historically has acquired customers through Citizens assumptions and opportunistic acquisitions Track record of consistent underwriting profitability Strong cash flow helps to fund growth initiatives $650M of In-Force Premiums1 Overview of Insurance Companies Launched in 2016 Technology-driven homeowners insurance Utilizes independent agent channel Currently active in 13 states, including Florida Differentiated technology yields best-in-class loss ratio $492M of In-Force Premiums1 9(1) As of 06/30/2026 Commenced operations in 2024 as reciprocal exchange Writes Florida-based commercial residential and homeowners lines Acquired policyholders through Citizens assumptions and independent agent channel Fills gap created by limited condo association coverage and growing demand $26M of In-Force Premiums1 Commenced operations in 2025 as reciprocal exchange Writes Florida-based personal residential lines Acquired policyholders through Citizens assumptions $117M of In-Force Premiums1
Page 11
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Premium in Force (in $M) Opportunistic Growth with Best-in-Class Florida Underwriting Geographic Footprint $353 $338 $369 $528 $719 $737 $995 $1,226 $1,355$1,285 2017 2018 2019 2020 2021 2022 2023 2024 2025 2Q 2026 10 (1) Includes Homeowners Choice, TypTap, CORE and Tailrow in-force premiums 1 Best-in-Class Florida Underwriter Opportunistically Adding Policies Proactively Managing Risk and Loss Costs Deploying Excess Capital Into Investments & Growth Initiatives
Page 12
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Gross Loss Ratio 1 A Durable Homeowners Insurance Model 11 (1) Consolidated losses and loss adjustment expenses divided by consolidated gross premiums earned. (2) Consolidated expenses excluding interest expense divided by consolidated net premiums earned. Hurricane Ian Hurricanes Milton, Debby, and Helene Net Combined Ratio 2 107% 85% 64% 56% 59% 2022 2023 2024 2025 1H26 Hurricanes Milton, Debby, and Helene Hurricane Ian 64% 121% 59%56% 83% Leverage Technology to Evaluate Rate Adequacy Integrate Exzeo Platform Legislative Reforms Have Proven Effective Prudent Cost Management 107% 42% 33% 23% 20% 21% 2022 2023 2024 2025 1H26 Hurricanes Milton, Debby, and Helene Hurricane Ian 51% 35% 23% 42% 33% 20% 21% 85%
Page 13
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 12 Reinsurance
Page 14
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Claddaugh Generating Profits for Our Shareholders 13 (1) As of 06/30/26. Excludes the impact of intercompany stop loss agreement. Claddaugh is used to opportunistically manage reinsurance cycles for HCI’s insurance divisions. Since its formation in 2008, Claddaugh has contributed $169M in pre-tax income to HCI. $0 $50 $100 $150 $200 $250 $300 $350 $400 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1H 2026 Cumulative Net Premium Earned Since 2008 12
Page 15
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 14 Real Estate
Page 16
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Creating Value in Real Estate 15 Greenleaf Capital owns and operates HCI’s real estate portfolio. Its holdings include a set of premier commercial assets in rapidly growing Florida. Acquire properties with differentiated value drivers Optimize capital structure Develop or reposition Reinvest or harvest
Page 17
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Generating Gains from our Real Estate Portfolio (1) Includes gains associated with bargain purchase (2) Gross proceeds are net of transaction costs and commissions 16 $90M GROSS PROCEEDS Recent Sales Transactions $59M PRE -TAX GAIN PROPERTY LOCATION DATES PURCHASED AND DATES SOLD GROSS PROCEEDS2 BOOK VALUE PRE-TAX GAIN1 Office Building Tampa 2010 - 2020 $44.0M $7.0M $37.0M Office Building Tampa 2017 - 2022 $14.5M $1.1M $13.4M Grocery Anchored Retail Eustis, FL 2016 - 2023 $13.0M $10.6M $2.5M Grocery Anchored Retail Melbourne, FL 2016 - 2023 $18.0M $11.5M $6.4M $30M BOOK VALUE
Page 18
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Florida Real Estate Portfolio With Embedded Value (1) Based on appraisals obtained by Fifth Third bank as of 6/30/2026 (2) Represents the net book value as of 6/30/26 of (i) real estate investments, (ii) office buildings included in property and equipment, and (iii) intangible assets related to our real estate portfolio. (3) As of 6/30/2026 17 OPERATINGUNDER DEVELOPMENT $190M APPRAISED VALUE $122M BOOK VALUE PROPERTY APPRAISED VALUE1 BOOK VALUE2 DEBT ON PROPERTY3 Office Portfolio $61M $34M $4M Anchored Retail $54M $43M $28M Waterfront Specialty Use Portfolio $40M $17M - Properties Under Development $35M $28M -
Page 19
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 18
Page 20
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Griston Provides Tailored Claims Solutions 19 An all-in-one claims management solution built for carriers, TPAs, and adjusters Capable of processing daily claims, high-volume events, and catastrophe claims A trusted platform with a long-standing history of efficiently handling thousands of claims Equips insurers with geospatial tools to pinpoint policyholders potentially impacted by an incoming storm Proactive insights support faster resource deployment and immediate claims action, reducing potential delays Enables real-time tracking and reporting across the entire claims process Custom mobile app for efficient field inspections, enabling adjusters to sync inspection data across carriers and cloud platforms, schedule appointments, and contact insureds directly Smart navigation guides adjusters to loss sites automatically, eliminating manual address entry and enabling more inspections All-in-one Claim Management Solution Real-time Claim Tracking Field Inspection Platform
Page 21
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 An Insurance Technology Company Majority Owned by HCI Group
Page 22
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Overview of 21 • Over a decade of expertise in developing and training underwriting models proven to consistently deliver superior results compared to industry peers. • Models efficiently process large data sets, distilling them into actionable underwriting insights for carriers. • By making precise decisions at the individual property level, underwriting models help insurers build portfolios focused on profitable risk accumulation. Advanced Underwriting Solutions Data & Analytics Insurance Management Solutions • Exzeo transforms both structured and unstructured data into an actionable format. • Models leverage the curated data to deliver best-in-class underwriting decisions within seconds. • Data-driven approach enhances capabilities across a carrier’s entire organization, including underwriting, portfolio construction, and claims management. • Exzeo designs, markets, underwrites, and administers insurance contracts for carrier partners. • Proprietary technology platform powers every aspect of carriers' daily operations. • Technology is delivered through a flexible, web-based interface, with Exzeo’s suite of applications offering scalable and efficient solutions.
Page 23
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Technology Built by Insurance Operators for Insurance Operators 22 A team of 175+ experienced developers, data scientists and technology professionals 100% internally developed technology platform powers every aspect of insurance carriers’ day-to-day operations Development and new product rollout closely integrated with operating carriers 2012 Founded 2014 2015 2017 2025 Launched Launched 2022 Launched Launched Launched IPO 2026 Launched
Page 24
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Experienced & Focused Leadership Team 23 PARESH PATEL Chairman & Chief Executive Officer, HCI Group ▪ Founder; Chairman since 2007 & CEO since 2011 ▪ Designed HCI’s policy administration systems, leveraging software development experience ▪ Founded NorthStar Bank in 2004 and served as Director (2006-2011) KARIN COLEMAN Chief Operating Officer, HCI Group President, TypTap Insurance Co. ▪ Director since February 2021 ▪ Previously, EVP (2017-2019) and VP of Corp. Services (2009-2017) ▪ Former VP Strategic Alliances, TSIC, Inc. (2001-2009) ▪ Served in various capacities at Florida Progress Corp (NYSE: FPC), a utility holding company, now part of Duke Energy (NYSE: DUK) (1987-2000) KEVIN MITCHELL President, Exzeo Group Inc. ▪ Previously, SVP and VP of Investor Relations (2013-2019) ▪ Former Area Director of Financial Institutions practice at Arthur J. Gallagher (NYSE: AJG) (2008-2013) ▪ Previously, employed by Oswald Companies, one of the nation’s largest independent insurance brokerage firms (2005-2008) MARK HARMSWORTH Chief Financial Officer, HCI Group ▪ CFO since 2017; previously SVP of Finance ▪ Former senior advisor to Stewart Information Services (NYSE: STC) ▪ CFO of First American Title Insurance Company (2006-2011) ▪ Senior EVP of First Canadian Title Insurance Company (2002-2006) ANTHONY SARAVANOS President, Greenleaf Capital ▪ Director since 2007; President of Greenleaf Capital since 2013 ▪ Former VP of full-service real estate firm in Palm Harbor, Florida (2005-2013) ▪ Managing Partner of 13 commercial CRE entities in Florida and New York since 2001 ▪ Director of First Home Bank since 2011; Chairman since 2015 ANDREW GRAHAM General Counsel, HCI Group ▪ General Counsel since 2008 ▪ Served in various capacities, including General Counsel for Trinsic (1999-2007) ▪ Served on Internal Audit Committee of Hillsborough County, Florida, since 2011 ▪ Hillsborough Community College trustee (2007-2011)
Page 25
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Delivering Shareholder Value 1) Includes $343M buybacks and $199M dividends – as of 6/30/26 2) Excludes 570,000 of stock options that are fully vested and exercisable as of 6/30/26 3) As of 6/30/26 24 >5500% Total Shareholder Return since IPO $542M Capital returned to shareholders since inception1 15% Insider ownership2 35% 3-year average ROE3 Fortex Reinsurance
Page 26
Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 25 Contact Us I N V E S T O R R E L AT I O N S C O N TA C T H C I G R O U P, I N C . Nat Otis Tel (813) 355-5341 notis@hcigroup.com 3802 Coconut Palm Drive Tampa, FL 33619 Tel (813) 849-9500 www.hcigroup.com contactus@hcigroup.com