HCI Group, Inc. HCI R2K
Financial Services · Insurance - Property & Casualty · United States
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.
READ MORE ›$154.07
-7.79% 1Y
Market & Price
Market Cap
$1.97B
Current Price
$154.07
High / Low (52W)
$204.86 / $136.50
Beta
1.09
Valuation
Stock P/E
6.75
Industry PE
12.01
Forward P/E
8.69
PEG Ratio
0.97
Book Value
$80.13
Price to Book
1.92
P/S
2.12
EV/EBITDA
2.41
Dividend Yield
1.04%
Profitability & Returns
ROCE
-
ROE
38.46%
ROA
11.49%
Profit Margin
32.64%
Op Margin
47.89%
EPS (Latest Qtr)
$5.45
EPS (TTM)
$22.82
Balance Sheet & Liquidity
Debt/Equity
0.06
Quick Ratio
0.79
Current Ratio
1.00
Debt
$67.67M
Total Assets
$2.53B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
14.25%
Chg in Prom Hold
-
FII / Inst Holding
77.84%
Chg in FII Hold
-0.00%
Financial Snapshot
Enterprise Value
$1.11B
Total Revenue (TTM)
$927.40M
EBITDA
$460.80M
Free Cash Flow
$449.52M
Operating Cash Flow
$431.25M
Shares Outstanding
12.76M
Gross Margin
59.56%
Payout Ratio
7.01%
Growth (CAGR)
Revenue 5Y
22.38%
Profit 5Y
203.67%
Revenue (YoY)
12.20%
Earnings (YoY)
1.70%
PROS
- Strong return on equity of 38.5%.
- Excellent profit margin of 32.6%.
- Compounding revenue at 22.4% over 5 years.
- Profit CAGR of 203.7% over 5 years.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | HCI HCI Group, Inc. R2K | 154.07 | 6.75 | $1.97B | 1.04% | - | 38.46% | 22.38% | 203.67% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 61.52M | 69.81M | 72.37M | 67.71M | 67.58M | 47.49M | 61.62M | 57.74M | 58.81M | 61.74M | 53.00M | 60.63M | 58.63M | 59.98M | 63.23M | 55.38M | 80.72M | 104.03M | 70.31M | 94.87M | 101.50M | 99.22M | 112.32M | 127.04M | 125.93M | 126.65M | 119.94M | 129.03M | 127.33M | 131.64M | 162.67M | 206.61M | 206.25M | 175.32M | 161.88M | 217.06M | 221.95M | 216.40M | 246.35M | 243.21M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 103.72M | 98.14M | 91.62M | 145.01M | 116.31M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.38M | 3.74M | 1.02M | 1.01M | 923.00K |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 100.34M | 94.39M | 90.60M | 144.00M | 115.38M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 26.11M | 24.11M | 22.71M | 36.00M | 30.34M |
| Net Income | 7.02M | 11.33M | 4.61M | 12.02M | 9.54M | -40.55M | 12.09M | 10.79M | 6.40M | 9.00M | -8.47M | 6.74M | 7.55M | 5.85M | 6.43M | 547.00K | 8.94M | 15.39M | 2.71M | 6.15M | 1.92M | -6.24M | - | 903.00K | -9.98M | -50.96M | - | 15.34M | 12.44M | 13.16M | - | 47.61M | 54.08M | 5.68M | - | 69.68M | 66.16M | 65.51M | 97.65M | 73.41M |
| Diluted EPS | 0.71 | 1.10 | 0.47 | 1.15 | 0.93 | -4.44 | 1.14 | 1.11 | 0.92 | 1.00 | -0.95 | 0.82 | 0.90 | 0.73 | 0.82 | 0.07 | 1.08 | 1.68 | 0.35 | 0.75 | 0.24 | -0.72 | 0.01 | 0.09 | -1.04 | -5.66 | 0.18 | 1.54 | 1.28 | 1.34 | 3.40 | 3.81 | 4.24 | 0.52 | 0.23 | 5.35 | 5.18 | 4.90 | 7.25 | 5.45 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 68.61M | 93.81M | 163.06M | 241.09M | 266.11M | 285.95M | 264.45M | 244.41M | 231.29M | 242.47M | 310.44M | - | 491.99M | 550.01M | 749.45M | 901.77M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | -60.77M | 128.77M | 186.77M | 438.49M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | 7.64M | 11.12M | 13.34M | 9.16M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | -68.42M | 117.65M | 173.43M | 429.33M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | -13.81M | 28.39M | 45.85M | 108.94M |
| Net Income | 5.42M | 9.96M | 30.16M | 65.56M | 62.66M | 65.86M | 29.02M | -6.89M | 17.73M | 26.58M | 27.58M | - | -58.51M | 79.03M | 109.95M | 299.00M |
| Diluted EPS | 0.81 | 1.34 | 3.02 | 5.63 | 5.36 | 5.90 | 2.92 | -0.75 | 2.34 | 3.31 | 3.49 | 0.21 | -6.24 | 7.62 | 8.89 | - |
Compounded Sales Growth
| 5 Years: | 22.38% |
| 1 Year: | 12.20% |
Compounded Profit Growth
| 5 Years: | 203.67% |
| 1 Year: | 1.70% |
Stock Price Performance
| 1 Year: | -7.79% |
| 6 Months: | -11.81% |
| 3 Months: | -12.44% |
| 1 Month: | -0.46% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 140.95M | 214.82M | 338.29M | 526.32M | 598.56M | 636.99M | 670.06M | 842.26M | 832.86M | 802.61M | 941.31M | - | 1.80B | 1.81B | 2.23B | 2.53B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 43.45M | 54.85M | 100.36M | 229.91M | 293.10M | 314.42M | 267.74M | 280.53M | 255.88M | 239.46M | 229.22M | 431.34M | - | 234.86M | 536.48M | 532.47M | 1.21B |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | 739.67M | 452.57M | 609.02M | 347.39M |
| Total Liabilities | - | 94.32M | 150.99M | 217.03M | 365.80M | 415.97M | 399.26M | 426.32M | 648.29M | 651.42M | 617.07M | 740.18M | - | 1.55B | 1.39B | 1.76B | 1.41B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | 126.93M | 129.54M | 129.43M | 138.86M | 237.84M | - | - | - | - | 211.67M | 208.49M | 185.25M | 31.88M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | 212.41M | 209.90M | 229.25M | 67.88M |
| Total Equity | 45.38M | 46.63M | 63.83M | 121.25M | 160.52M | 182.59M | 237.72M | 243.75M | 193.97M | 181.44M | 185.54M | 201.14M | - | 162.60M | 324.84M | 453.33M | 1.04B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | 8.60M | 9.74M | 10.77M | 12.99M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 16.13M | 56.03M | 106.27M | 55.47M | - | - | 88.28M | 16.64M | 28.59M | 54.05M | 77.31M | - | -12.00K | 230.66M | 331.82M | 444.45M |
| Investing Cash Flow | -213.00K | -16.95M | -1.21M | -90.04M | - | - | -49.03M | -80.16M | -17.68M | 50.46M | 143.22M | - | -434.54M | 4.27M | -260.11M | 87.27M |
| Financing Cash Flow | -4.52M | 6.42M | 24.80M | 97.75M | - | - | -26.16M | 39.03M | -27.29M | -114.72M | -16.70M | - | 41.07M | 67.12M | -75.17M | 146.20M |
| Capital Expenditure | -7.53M | -3.14M | -1.20M | -3.43M | -453.00K | -840.00K | -865.00K | -2.34M | -2.19M | -2.89M | -6.44M | - | -10.14M | -8.29M | -4.05M | -3.63M |
| Free Cash Flow | 8.60M | 52.89M | 105.07M | 52.04M | - | - | 87.41M | 14.29M | 26.41M | 51.16M | 70.87M | - | -10.15M | 222.37M | 327.76M | 440.82M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | -393.48M | 302.04M | -3.47M | 677.92M |
| Share Buybacks | 3.60M | 1.89M | - | 30.89M | 643.00K | 792.00K | 464.00K | 30.72M | 1.15M | 1.20M | 1.55M | 1.31M | 71.24M | 784.00K | 1.04M | 1.52M |
| Dividends Paid | 1.88M | 3.83M | 8.56M | 10.90M | 12.36M | 12.43M | 12.44M | 13.91M | 11.32M | 13.01M | 12.69M | 14.06M | 15.23M | 13.72M | 16.60M | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | -12.4% | 23.4% | 24.9% | 48.6% |
| Net Margin % | 7.9% | 10.6% | 18.5% | 27.2% | 23.5% | 23.0% | 11.0% | -2.8% | 7.7% | 11.0% | 8.9% | - | -11.9% | 14.4% | 14.7% | 33.2% |
| ROE % | 11.6% | 15.6% | 24.9% | 40.8% | 34.3% | 27.7% | 11.9% | -3.6% | 9.8% | 14.3% | 13.7% | - | -36.0% | 24.3% | 24.3% | 28.7% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
14.25%
Institutions
77.84%
Public Float
90.78%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 12.86% | 1.64M | $252.88M |
| 2 | American Century Companies Inc | 4.90% | 625.37K | $96.35M |
| 3 | Hood River Capital Management LLC | 4.89% | 623.80K | $96.11M |
| 4 | Khrom Capital Management LLC | 4.55% | 580.27K | $89.40M |
| 5 | Vanguard Capital Management LLC | 3.81% | 486.74K | $74.99M |
| 6 | State Street Corporation | 3.12% | 398.51K | $61.40M |
| 7 | Dimensional Fund Advisors LP | 2.78% | 354.88K | $54.68M |
| 8 | Freestone Grove Partners LP | 2.69% | 343.39K | $52.91M |
| 9 | Vanguard Portfolio Management LLC | 2.62% | 334.20K | $51.49M |
| 10 | Geode Capital Management, LLC | 2.36% | 301.40K | $46.44M |
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