COMPANY SUMMARY
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments. It provides homeowners’ property and casualty insurance products; claim adjusting and processing services; turnkey insurance technology and operations solutions to property and casualty insurance carriers and its agents through the Exzeo platform; and SAMSTM, a web-based system designed to automate and streamline the process of managing insurance policies. The company also offers Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; AtlasViewer, a mapping and data visualization platform. In addition, it is involved in reciprocal exchange operations; and developing and operating commercial properties for investment purposes. The company was formerly known as Homeowners Choice, Inc. and changed its name to HCI Group, Inc. in May 2013. HCI Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.
Financial Summary
| Share Statistics |
HCI |
Industry Median |
Percentile (All Stocks) |
| Market Cap (Mil) |
$2,323.5 |
$7,044.0 |
56% |
|
| Shares Out (Mil) |
12.9 |
66.0 |
24% |
|
| Institutional Ownership |
84.2% |
81.8% |
52% |
|
| Float (Mil) |
10.9 |
67.4 |
21% |
|
| Beta |
1.09 |
0.51 |
65% |
|
| Avg Daily Volume (000s) |
147 |
195 |
40% |
|
Price Change (52-week) |
31.6% |
91.0% |
70% |
|
| Growth |
HCI |
Industry Median |
Percentile (All Stocks) |
| Sales (5yr) |
26.9% |
5.6% |
88% |
|
| Net Income (5yr) |
61.0% |
14.5% |
96% |
|
| EPS (5yr) |
45.5% |
15.6% |
91 |
|
| Dividends (5yr) |
0.0% |
3.8% |
87% |
|
| Cash Flow (5yr) |
15.9% |
(14.5%) |
75% |
|
| Estimates |
Qtrly |
Current Fiscal Year |
Next Fiscal Year |
| # of Estimates |
5 |
5 |
5 |
| Current EPS |
$5.004 |
$18.184 |
$18.532 |
| Month Ago EPS |
$5.143 |
$17.653 |
$18.100 |
| # Rev Up |
1 |
1 |
0 |
| # Rev Down |
0 |
0 |
1 |
| Three Months Ago EPS |
$4.920 |
$16.975 |
$17.778 |
| Year/Year Chg |
(8.1%) |
(20.0%) |
(12.7%) |
| Financials |
HCI |
Industry Median |
Percentile (All Stocks) |
| Sales (TTM) (Mil) |
$927 |
$5,065 |
50% |
|
| Net Income (TTM) (Mil) |
$303 |
$534 |
73% |
|
| EPS (TTM) |
$23.764 |
$2.500 |
98% |
|
| Operating Cash Flow (TTM) (Mil) |
$431 |
$484 |
70% |
|
| Net Cash Flow (TTM) (Mil) |
$260 |
$9 |
86% |
|
| Long-Term Debt (Q1) (Mil) |
$68 |
$844 |
42% |
|
| Enterprise Value (Q1) (Mil) |
$1,157 |
$7,174 |
43% |
|
| Valuation |
HCI |
Industry Median |
Percentile (All Stocks) |
| P/B |
2.16 |
1.77 |
53% |
|
| P/E |
8.0 |
12.9 |
10% |
|
| Dividend Yield |
0.9% |
0.9% |
66% |
|
| PEG (5yr hist) |
0.2 |
0.5 |
6% |
|
| Ratios |
HCI |
Industry Median |
Percentile (All Stocks) |
| Gross Margin |
59.6% |
33.4% |
72% |
|
| Net Margin |
32.6% |
9.8% |
91% |
|
| ROA |
12.3% |
2.7% |
91% |
|
| ROE |
37.6% |
14.8% |
90% |
|
| Liabilities to Assets |
54.9% |
76.7% |
47% |
|
| F-Score |
8 |
6 |
94% |
|
Passing Stock Screens
As of 7/30/2026, from a list of 60 stock screening strategies,
HCI meetings the criteria of 2 screen:
Stock Screen
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
GURU STRATEGY
Rule #1 Investing Screen
Factors: Value, Quality, Growth
Adapted from Phil Town's Rule #1 book, this screen attempts to identify wonderful companies with attractive prices.