HCI GROUP INC (HCI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HCI - US40416E1038 - Common Stock
191.62 USD
+0.09 (+0.05%)
Taking everything into account, HCI scores 7 out of 10 in our fundamental rating. HCI was compared to 148 industry peers in the Insurance industry. While HCI has a great profitability rating, there are some minor concerns on its financial health. HCI is growing strongly while it also seems undervalued. This is an interesting combination With these ratings, HCI could be worth investigating further for value and growth investing!.
1. Profitability
1.1 Basic Checks
In the past year HCI was profitable.
In the past year HCI had a positive cash flow from operations.
Of the past 5 years HCI 4 years were profitable.
HCI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
HCI's Return On Assets of 8.33% is amongst the best of the industry. HCI outperforms 95.27% of its industry peers.
The Return On Equity of HCI (23.79%) is better than 90.54% of its industry peers.
HCI has a Return On Invested Capital of 10.13%. This is amongst the best in the industry. HCI outperforms 93.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.33% | ||
| ROE | 23.79% | ||
| ROIC | 10.13% |
ROA(3y)1.97%
ROA(5y)1.77%
ROE(3y)4.34%
ROE(5y)5.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
HCI has a Profit Margin of 23.92%. This is amongst the best in the industry. HCI outperforms 95.27% of its industry peers.
In the last couple of years the Profit Margin of HCI has grown nicely.
HCI has a Operating Margin of 37.12%. This is amongst the best in the industry. HCI outperforms 97.30% of its industry peers.
HCI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 37.12% | ||
| PM (TTM) | 23.92% | ||
| GM | N/A |
OM growth 3Y83.48%
OM growth 5Y3.9%
PM growth 3Y215.92%
PM growth 5Y6.5%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), HCI is creating some value.
The number of shares outstanding for HCI has been increased compared to 1 year ago.
Compared to 5 years ago, HCI has more shares outstanding
The debt/assets ratio for HCI has been reduced compared to a year ago.
2.2 Solvency
HCI has an Altman-Z score of 1.99. This is not the best score and indicates that HCI is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of HCI (1.99) is better than 89.86% of its industry peers.
The Debt to FCF ratio of HCI is 0.17, which is an excellent value as it means it would take HCI, only 0.17 years of fcf income to pay off all of its debts.
HCI's Debt to FCF ratio of 0.17 is amongst the best of the industry. HCI outperforms 93.24% of its industry peers.
HCI has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
HCI has a Debt to Equity ratio of 0.09. This is in the better half of the industry: HCI outperforms 77.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.17 | ||
| Altman-Z | 1.99 |
ROIC/WACC1.21
WACC8.4%
2.3 Liquidity
A Current Ratio of 0.06 indicates that HCI may have some problems paying its short term obligations.
The Current ratio of HCI (0.06) is better than 61.49% of its industry peers.
HCI has a Quick Ratio of 0.06. This is a bad value and indicates that HCI is not financially healthy enough and could expect problems in meeting its short term obligations.
HCI has a Quick ratio of 0.06. This is in the better half of the industry: HCI outperforms 61.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 37.40% over the past year.
HCI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.91% yearly.
The Revenue has grown by 9.02% in the past year. This is quite good.
HCI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.22% yearly.
EPS 1Y (TTM)37.4%
EPS 3Y342.08%
EPS 5Y22.91%
EPS Q2Q%1004.26%
Revenue 1Y (TTM)9.02%
Revenue growth 3Y22.37%
Revenue growth 5Y25.22%
Sales Q2Q%23.41%
3.2 Future
HCI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.02% yearly.
Based on estimates for the next years, HCI will show a quite strong growth in Revenue. The Revenue will grow by 13.75% on average per year.
EPS Next Y135.04%
EPS Next 2Y38.08%
EPS Next 3Y27.32%
EPS Next 5Y20.02%
Revenue Next Year17.66%
Revenue Next 2Y13.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.07 indicates a correct valuation of HCI.
Compared to the rest of the industry, the Price/Earnings ratio of HCI is on the same level as its industry peers.
HCI is valuated cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.63 indicates a reasonable valuation of HCI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HCI is on the same level as its industry peers.
HCI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.07 | ||
| Fwd PE | 11.63 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HCI is valued a bit cheaper than the industry average as 79.05% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, HCI is valued a bit cheaper than the industry average as 64.86% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.14 | ||
| EV/EBITDA | 4.85 |
4.3 Compensation for Growth
HCI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of HCI may justify a higher PE ratio.
HCI's earnings are expected to grow with 27.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)0.53
EPS Next 2Y38.08%
EPS Next 3Y27.32%
5. Dividend
5.1 Amount
HCI has a yearly dividend return of 0.82%, which is pretty low.
Compared to an average industry Dividend Yield of 2.42, HCI is paying slightly less dividend.
With a Dividend Yield of 0.82, HCI pays less dividend than the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
5.2 History
The dividend of HCI has a limited annual growth rate of 0.17%.
HCI has paid a dividend for at least 10 years, which is a reliable track record.
HCI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.17%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
HCI pays out 9.39% of its income as dividend. This is a sustainable payout ratio.
HCI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP9.39%
EPS Next 2Y38.08%
EPS Next 3Y27.32%
NYSE:HCI (12/31/2025, 1:02:35 PM)
191.62
+0.09 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners81.26%
Inst Owner Change1.24%
Ins Owners14.26%
Ins Owner Change1.64%
Market Cap2.48B
Revenue(TTM)817.27M
Net Income(TTM)195.47M
Analysts82.22
Price Target227.46 (18.7%)
Short Float %4.51%
Short Ratio2.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
Yearly Dividend1.62
Dividend Growth(5Y)0.17%
DP9.39%
Div Incr Years0
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)62.6%
Min EPS beat(2)10.96%
Max EPS beat(2)114.24%
EPS beat(4)4
Avg EPS beat(4)61.23%
Min EPS beat(4)7.78%
Max EPS beat(4)114.24%
EPS beat(8)8
Avg EPS beat(8)61.63%
EPS beat(12)12
Avg EPS beat(12)233.57%
EPS beat(16)15
Avg EPS beat(16)162.72%
Revenue beat(2)1
Avg Revenue beat(2)-0.57%
Min Revenue beat(2)-1.48%
Max Revenue beat(2)0.34%
Revenue beat(4)1
Avg Revenue beat(4)-0.9%
Min Revenue beat(4)-2.17%
Max Revenue beat(4)0.34%
Revenue beat(8)4
Avg Revenue beat(8)1.08%
Revenue beat(12)7
Avg Revenue beat(12)1.71%
Revenue beat(16)10
Avg Revenue beat(16)7.26%
PT rev (1m)0.79%
PT rev (3m)10.12%
EPS NQ rev (1m)2.15%
EPS NQ rev (3m)20.15%
EPS NY rev (1m)25.4%
EPS NY rev (3m)23.54%
Revenue NQ rev (1m)4.44%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.07 | ||
| Fwd PE | 11.63 | ||
| P/S | 3.04 | ||
| P/FCF | 6.14 | ||
| P/OCF | 6.08 | ||
| P/B | 3.02 | ||
| P/tB | 3.03 | ||
| EV/EBITDA | 4.85 |
EPS(TTM)15.87
EY8.28%
EPS(NY)16.47
Fwd EY8.6%
FCF(TTM)31.19
FCFY16.28%
OCF(TTM)31.51
OCFY16.44%
SpS63.06
BVpS63.41
TBVpS63.15
PEG (NY)0.09
PEG (5Y)0.53
Graham Number150.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.33% | ||
| ROE | 23.79% | ||
| ROCE | 13.8% | ||
| ROIC | 10.13% | ||
| ROICexc | 18.15% | ||
| ROICexgc | 27.09% | ||
| OM | 37.12% | ||
| PM (TTM) | 23.92% | ||
| GM | N/A | ||
| FCFM | 49.46% |
ROA(3y)1.97%
ROA(5y)1.77%
ROE(3y)4.34%
ROE(5y)5.31%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y65.67%
ROICexgc growth 5Y7.68%
ROICexc growth 3Y52.3%
ROICexc growth 5Y4.65%
OM growth 3Y83.48%
OM growth 5Y3.9%
PM growth 3Y215.92%
PM growth 5Y6.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.17 | ||
| Debt/EBITDA | 0.22 | ||
| Cap/Depr | 37.14% | ||
| Cap/Sales | 0.5% | ||
| Interest Coverage | 28.81 | ||
| Cash Conversion | 129.87% | ||
| Profit Quality | 206.82% | ||
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 | ||
| Altman-Z | 1.99 |
F-Score5
WACC8.4%
ROIC/WACC1.21
Cap/Depr(3y)84.29%
Cap/Depr(5y)77.24%
Cap/Sales(3y)1%
Cap/Sales(5y)1.23%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)37.4%
EPS 3Y342.08%
EPS 5Y22.91%
EPS Q2Q%1004.26%
EPS Next Y135.04%
EPS Next 2Y38.08%
EPS Next 3Y27.32%
EPS Next 5Y20.02%
Revenue 1Y (TTM)9.02%
Revenue growth 3Y22.37%
Revenue growth 5Y25.22%
Sales Q2Q%23.41%
Revenue Next Year17.66%
Revenue Next 2Y13.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-0.8%
EBIT growth 3Y124.51%
EBIT growth 5Y30.1%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y351.81%
FCF growth 3Y52.08%
FCF growth 5Y45.02%
OCF growth 1Y327.3%
OCF growth 3Y50.93%
OCF growth 5Y43.78%
HCI GROUP INC / HCI FAQ
Can you provide the ChartMill fundamental rating for HCI GROUP INC?
ChartMill assigns a fundamental rating of 7 / 10 to HCI.
What is the valuation status of HCI GROUP INC (HCI) stock?
ChartMill assigns a valuation rating of 7 / 10 to HCI GROUP INC (HCI). This can be considered as Undervalued.
How profitable is HCI GROUP INC (HCI) stock?
HCI GROUP INC (HCI) has a profitability rating of 7 / 10.
What are the PE and PB ratios of HCI GROUP INC (HCI) stock?
The Price/Earnings (PE) ratio for HCI GROUP INC (HCI) is 12.07 and the Price/Book (PB) ratio is 3.02.
What is the expected EPS growth for HCI GROUP INC (HCI) stock?
The Earnings per Share (EPS) of HCI GROUP INC (HCI) is expected to grow by 135.04% in the next year.