HCI Group, Inc. HCI R2K
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 38.5%, reflecting efficient use of shareholder capital.
Net profit has compounded at 30.6% per year over the last five years.
Revenue has grown at a 18.7% CAGR over the past five years.
Trades at a P/E of 7.6, below the sector median of 13.5.
Maintains a net profit margin of 32.6%.
Carries low leverage with a debt-to-equity ratio of 0.06.
Recent Developments
- Dec 2025 Revenue of $900.95M (+20.1% YoY); net profit $299.00M.
- Trailing 12 Months Year-on-year growth — revenue +12.2%, earnings +1.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 18.7%, profit CAGR 30.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 18.73% |
| 1 Year: | 12.20% |
Compounded Profit Growth
| 5 Years: | 30.65% |
| 1 Year: | 1.70% |
Stock Price Performance
| 1 Year: | +24.56% |
| 6 Months: | -2.40% |
| 3 Months: | +13.86% |
| 1 Month: | +8.57% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)52.09 · Neutral
P/E of 7.63 is below the sector median of 13.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 38.5%.
- Excellent profit margin of 32.6%.
- Compounding revenue at 18.7% over 5 years.
- Profit CAGR of 30.6% 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 174.20 | 7.63 | $2.22B | 0.89% | - | 38.46% | 18.73% | 30.65% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | 216.43M | 221.92M | 216.35M | 246.24M | 242.88M |
| 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 | - | 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 | 407.92M | 499.56M | 550.67M | 750.05M | 900.95M |
| Net Income | 5.42M | 9.96M | 30.16M | 65.56M | 62.66M | 65.86M | 29.02M | -6.89M | 17.73M | 26.58M | 27.58M | 1.86M | -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 | 22.72 |
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 | 1.18B | 1.80B | 1.81B | 2.23B | 2.53B |
| 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 | 323.37M | 162.60M | 324.84M | 453.33M | 1.04B |
| 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 | 628.94M | 234.86M | 536.48M | 532.47M | 1.21B |
| Long Term Debt | - | - | - | - | 126.93M | 129.54M | 129.43M | 138.86M | 237.84M | - | - | - | - | - | - | - | - |
| Total Liabilities | - | 94.32M | 150.99M | 217.03M | 365.80M | 415.97M | 399.26M | 426.32M | 648.29M | 651.42M | 617.07M | 740.18M | 762.40M | 1.55B | 1.39B | 1.76B | 1.41B |
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 | 96.50M | -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 | 36.85M | -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 | 64.30M | 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 | -3.32M | -6.34M | -6.50M | -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 | 93.19M | -6.35M | 224.16M | 327.76M | 440.82M |
| 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 % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | 7.9% | 10.6% | 18.5% | 27.2% | 23.5% | 23.0% | 11.0% | -2.8% | 7.7% | 11.0% | 8.9% | 0.5% | -11.7% | 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% | 0.6% | -36.0% | 24.3% | 24.3% | 28.7% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 12.86% | 1.64M | $285.44M |
| 2 | American Century Companies Inc | 4.90% | 625.37K | $108.76M |
| 3 | Hood River Capital Management LLC | 4.89% | 623.80K | $108.49M |
| 4 | Khrom Capital Management LLC | 4.55% | 580.27K | $100.91M |
| 5 | Vanguard Capital Management LLC | 3.81% | 486.74K | $84.65M |
| 6 | State Street Corporation | 3.12% | 398.51K | $69.31M |
| 7 | Dimensional Fund Advisors LP | 2.78% | 354.88K | $61.72M |
| 8 | Freestone Grove Partners LP | 2.69% | 343.39K | $59.72M |
| 9 | Vanguard Portfolio Management LLC | 2.62% | 334.20K | $58.12M |
| 10 | Geode Capital Management, LLC | 2.36% | 301.40K | $52.42M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for HCI
HCI Group (HCI): 3 Reasons We Love This Stock - Yahoo Finance
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HCI — Frequently Asked Questions
What is the current share price of HCI Group, Inc. (HCI)?
As of 2026-07-15 16:51 PDT, HCI Group, Inc. (HCI) trades at $174.20 on NYSE. Its 52-week range is $136.50 to $204.86.
What is the market capitalisation of HCI?
HCI Group, Inc. (HCI) has a market capitalisation of $2.22B on NYSE.
What is the P/E ratio of HCI?
HCI trades at a trailing price-to-earnings (P/E) ratio of 7.63. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 2.06.
Does HCI pay a dividend?
HCI Group, Inc. (HCI) currently offers a dividend yield of 0.89%.
What is the return on equity (ROE) of HCI?
HCI has a return on equity (ROE) of 38.46%.
Is HCI a good stock to buy?
This page provides a data-driven analysis of HCI Group, Inc. (HCI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.