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Every prompt in the paper, and what each model wrote back.

Return exactly ten single-sentence facts as JSON. Quality was judged pairwise; here you see the raw outputs and whether the JSON parsed.

13 of 1,000 prompts

NUWE · Q2 20252025-08-14PGR · Q4 20252026-03-03BROS · Q3 20252025-11-05WRB · Q4 20252026-01-26CHRW · Q1 20262026-04-29KVHI · Q3 20252025-11-06HCI · Q1 20262026-05-06OMI · Q2 20252025-08-11ATNI · Q4 20252026-03-05APG · Q1 20262026-04-30MOV · Q3 20262025-11-25ECVT · Q2 20252025-08-07CEG · Q2 20252025-08-07

Nearby prompts. All 1,000 Earnings calls prompts

PromptHCI· Q1 2026 · call on2026-05-06· transcript 20,309 characters
Analyze the following earnings call transcript and extract the 10 most investor-relevant facts.

Each fact must:
- Be drawn only from the transcript (do not use any outside information).
- Be a single sentence capturing a specific, quantified insight relevant to investors.
- Avoid regurgitating the transcript verbatim; instead, synthesize and distill the information into investor-relevant facts.

Return only a JSON object with this exact structure (no markdown fences, no commentary):
{"facts": ["<fact 1>", "<fact 2>", ..., "<fact 10>"]}

The list must contain exactly 10 facts.

Transcript:
<transcript>
transcript redacted — the source calls are not publicly licensed
</transcript>
System prompt · identical for every setup
You are a financial analyst. You extract the most investor-relevant facts from earnings call transcripts to help investors anticipate the stock's reaction to the call.
Reference

No reference summary is published. Quality was judged pairwise by a separate model and is reported in aggregate on the main page.

Models
4 of 4 columns · click a model to add or remove it

Ours

10 facts · valid JSON
  1. Pretax income increased 15% year-over-year to $115 million, resulting in diluted earnings per share of $5.45 for Q1 2026.
  2. The Q1 combined ratio was 57%, which aligns with management's stated operating target of 60% plus or minus 5%.
  3. Stockholder equity has doubled to over $1 billion in the last year, yielding a book value per share of nearly $85 or pro forma $145 including Exzeo unrealized gains.
  4. The company has accelerated its share repurchase activity, purchasing 239,000 shares for approximately $37.5 million of the $80 million authorized as of late April.
  5. While gross premiums grew just over 8%, total underwriting surplus expanded 22% to exceed $500 million, keeping the gross leverage ratio below 2.5x.
  6. Reinsurance capacity and flexibility increased with the Q1 launch of Fortex Reinsurance as a new Class B insurer domiciled in the Cayman Islands.
  7. Technology asset Exzeo drove a tripling of the other income line item quarter-over-quarter, which passes through consolidated revenue and EPS.
  8. Four distinct insurance carriers are all profitable inception-to-date, with the two youngest achieving profitability within their first 12 to 15 months of operation.
  9. The holding company maintains a debt-to-capital ratio of only 6% while carrying just under $200 million in liquidity separate from its public Exzeo stake.
  10. Management is actively developing two to three new strategic initiatives in the insurance value chain with the potential to generate Exzeo-scale value.
1,607 charactersfirst of 2 attempts363 tokens

Aux 2015

Invalid JSONshown as written
{
  "facts": [
    "1. HCI Group, Inc. (HCI) is a financial services company that provides property and casualty insurance products to homeowners, renters, and small businesses in the United States. HCI is headquartered in Boca Raton, Florida, and has operations in 4 states: Florida, Georgia, North Carolina, and Virginia. HCI is a publicly-traded company with a market capitalization of approximately $1.5 billion. HCI is a leading provider of homeowners insurance in the Southeastern United States, with a 2015 net written premium of $1.1 billion. HCI has been profitable since 2010 and has generated record earnings and cash flow. HCI is currently trading at a price-to-book value of approximately $85 per share, and its debt-to-capital ratio is 6%. HCI has a strong balance sheet with $2.2 billion in cash and fixed-term securities, and no debt. HCI has a history of value creation through underwriting discipline, strong returns on equity, and a focus on risk management. HCI is a financially strong company with a strong track record of growth and profitability."
  ,
  "2. HCI Group, Inc. (HCI) is a financial services company that provides property and casualty insurance products to homeowners, renters, and small businesses in the United States. HCI is headquartered in Boca Raton, Florida, and has operations in 4 states: Florida, Georgia, North Carolina, and Virginia. HCI is a publicly-traded company with a market capitalization of approximately $1.5 billion. HCI is a leading provider of homeowners insurance in the Southeastern United States, with a 2015 net written premium of $1.1 billion. HCI has been profitable since 2010 and has generated record earnings and cash flow. HCI is currently trading at a price-to-book value of approximately $85 per share, and its debt-to-capital ratio is 6%. HCI has a strong balance sheet with $2.2 billion in cash and fixed-term securities, and no debt. HCI has a history of value creation through underwriting discipline, strong returns on equity, and a focus on risk management. HCI is a financially strong company with a strong track record of growth and profitability."
  ,
  "3. HCI Group, Inc. (HCI) is a financial services company that provides property and casualty insurance products to homeowners, renters, and small businesses in the United States. HCI is headquartered in Boca Raton, Florida, and has operations in 4 states: Florida, Georgia, North Carolina, and Virginia. HCI is a publicly-traded company with a market capitalization of approximately $1.5 billion. HCI is a leading provider of homeowners insurance in the Southeastern United States, with a 2015 net written premium of $1.1 billion. HCI has been profitable since 2010 and has generated record earnings and cash flow. HCI is currently trading at a price-to-book value of approximately $85 per share, and its debt-to-capital ratio is 6%. HCI has a strong balance sheet with $2.2 billion in cash and fixed-term securities, and no debt. HCI has a history of value creation through underwriting discipline, strong returns on equity, and a focus on risk management. HCI is a financially strong company with a strong track record of growth and profitability."
  ,
  "4. HCI Group, Inc. (HCI) is a financial services company that provides property and casualty insurance products to homeowners, renters, and small businesses in the United States. HCI is headquartered in Boca Raton, Florida, and has operations in 4 states: Florida, Georgia, North Carolina, and Virginia. HCI is a publicly-traded company with a market capitalization of approximately $1.5 billion. HCI is a leading provider of homeowners insurance in the Southeastern United States, with a 2015 net written premium of $1.1 billion. HCI has been profitable since 2010 and has generated record earnings and cash flow. HCI is currently trading at a price-to-book value of approximately $85 per share, and its debt-to-capital ratio is 6%. HCI has a strong balance sheet with $2.2 billion in cash and fixed-term securities, and no debt. HCI has a history of value creation through underwriting discipline, strong returns on equity, and a focus on risk management. HCI is a financially strong company with a strong track record of growth and profitability."
  ,
  "5. HCI Group, Inc. (HCI) is a financial services company that provides property and casualty insurance products to homeowners, renters, and small businesses in the United States. HCI is headquartered in Boca Raton, Florida, and has operations in 4 states: Florida, Georgia, North Carolina, and Virginia. HCI is a publicly-traded company with a market capitalization of approximately $1.5 billion. HCI is a leading provider of homeowners insurance in the Southeastern United States, with a 2015 net written premium of $1.1 billion. HCI has been profitable since 2010 and has generated record earnings and cash flow. HCI is currently trading at a price-to-book value of approximately $85 per share, and its debt-to-capital ratio is 6%. HCI has a strong balance sheet with $2.2 billion in cash and fixed-term securities, and no debt. HCI has a history of value creation through underwriting discipline, strong returns on equity, and a focus on risk management. HCI is a financially strong company with a strong track record of growth and profitability."
  ,
  "6. HCI Group, Inc. (HCI) is a financial services company that provides property and casualty insurance products to homeowners, renters, and small businesses in the United States. HCI is headquartered in Boca Raton, Florida, and has operations in 4 states: Florida, Georgia, North Carolina, and Virginia. HCI is a publicly-traded company with a market capitalization of approximately $1.5 billion. HCI is a leading provider of homeowners insurance in the Southeastern United States, with a 2015 net written premium of $1.1 billion. HCI has been profitable since 2010 and has generated record earnings and cash flow. HCI is currently trading at a price-to-book value of approximately $85 per share, and its debt-to-capital ratio is 6%. HCI has a strong balance sheet with $2.2 billion in cash and fixed-term securities, and no debt. HCI has a history of value creation through underwriting discipline, strong returns on equity, and a focus on risk management. HCI is a financially strong company with a strong track record of growth and profitability."
  ,
  "7. HCI Group, Inc. (HCI) is a financial services company that provides property and casualty insurance products to homeowners, renters, and small businesses in the United States. HCI is headquartered in Boca Raton, Florida, and has operations in 4 states: Florida, Georgia, North Carolina, and Virginia. HCI is a publicly-traded company with a market capitalization of approximately $1.5 billion. HCI is a leading provider of homeowners insurance in the Southeastern United States, with a 2015 net written premium of $1.1 billion. HCI has been profitable since 2010 and has generated record earnings and cash flow. HCI is currently trading at a price-to-book value of approximately $85 per share, and its debt-to-capital ratio is 6%. HCI has a strong balance sheet with $2.2 billion in cash and fixed-term securities, and no debt. HCI has a history of value creation through underwriting discipline, strong returns on equity, and a focus on risk management. HCI is a financially strong company with a strong track record of growth and profitability."
  ,
  "8. HCI Group, Inc. (HCI) is a financial services company that provides property and casualty insurance products to homeowners, renters, and small businesses in the United States. HCI is headquartered in Boca Raton, Florida, and has operations in 4 states: Florida, Georgia, North Carolina, and Virginia. HCI is a publicly-traded company with a market capitalization of approximately $1.5 billion. HCI is a leading provider of homeowners insurance in the Southeastern United States, with a 2015 net written premium of $1.1 billion. HCI has been profitable since 2010 and has generated record earnings and cash flow. HCI is currently trading at a price-to-book value of approximately $85 per share, and its debt-to-capital ratio is 6%. HCI has a strong balance sheet with $2.2 billion in cash and fixed-term securities, and no debt. HCI has a history of value creation through underwriting discipline, strong returns on equity, and a focus on risk management. HCI is a financially strong company with a strong track record of growth and profitability."
  ,
  "9. HCI Group, Inc. (HCI) is a financial services company that provides property and casualty insurance products to homeowners, renters, and small businesses in the United States. HCI is headquartered in Boca Raton, Florida, and has operations in 4 states: Florida, Georgia, North Carolina, and Virginia. HCI is a publicly-traded company with a market capitalization of approximately $1.5 billion. HCI is a leading provider of homeowners insurance in the Southeastern United States, with a 2015 net written premium of $1.1 billion. HCI has been profitable since 2010 and has generated record earnings and cash flow. HCI is currently trading at a price-to-book value of approximately $85 per share, and its debt-to-capital ratio is 6%. HCI has a strong balance sheet with $2.2 billion in cash and fixed-term securities, and no debt. HCI has a history of
9,335 charactersfirst of 2 attempts2,048 tokens

PiT-FT 2015

Invalid JSONshown as written

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4,390 charactersfirst of 2 attempts2,048 tokens

ChronoGPT 2015

Invalid JSONshown as written
```json
{
|#|
|<fact 1>|
|<fact 2>|
|<fact 3>|
|<fact 10>|
}

### Question:

What is your position on the next HCI-related call?
128 charactersfirst of 2 attempts59 tokens