HCI GROUP INC (HCI) Stock Fundamental Analysis

NYSE:HCI • US40416E1038

173.76 USD
-2.66 (-1.51%)
At close: Mar 2, 2026
173.76 USD
0 (0%)
After Hours: 3/2/2026, 8:25:20 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

HCI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. Both the profitability and the financial health of HCI get a neutral evaluation. Nothing too spectacular is happening here. HCI is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • HCI had positive earnings in the past year.
  • In the past year HCI had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: HCI reported negative net income in multiple years.
  • The reported operating cash flow has been mixed in the past 5 years: HCI reported negative operating cash flow in multiple years.
HCI Yearly Net Income VS EBIT VS OCF VS FCFHCI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

1.2 Ratios

  • HCI has a Return On Assets of 8.33%. This is amongst the best in the industry. HCI outperforms 94.63% of its industry peers.
  • With an excellent Return On Equity value of 23.79%, HCI belongs to the best of the industry, outperforming 90.60% of the companies in the same industry.
  • HCI has a Return On Invested Capital of 10.13%. This is amongst the best in the industry. HCI outperforms 93.29% of its industry peers.
Industry RankSector 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
HCI Yearly ROA, ROE, ROICHCI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

  • HCI has a better Profit Margin (23.92%) than 93.96% of its industry peers.
  • In the last couple of years the Profit Margin of HCI has grown nicely.
  • With an excellent Operating Margin value of 37.12%, HCI belongs to the best of the industry, outperforming 97.32% of the companies in the same industry.
  • HCI's Operating Margin has improved in the last couple of years.
Industry RankSector 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
HCI Yearly Profit, Operating, Gross MarginsHCI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HCI is still creating some value.
  • There is no outstanding debt for HCI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
HCI Yearly Shares OutstandingHCI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
HCI Yearly Total Debt VS Total AssetsHCI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • An Altman-Z score of 1.91 indicates that HCI is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 1.91, HCI belongs to the top of the industry, outperforming 90.60% of the companies in the same industry.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 0.17, HCI belongs to the top of the industry, outperforming 93.96% of the companies in the same industry.
  • A Debt/Equity ratio of 0.09 indicates that HCI is not too dependend on debt financing.
  • HCI has a better Debt to Equity ratio (0.09) than 78.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.17
Altman-Z 1.91
ROIC/WACC1.23
WACC8.23%
HCI Yearly LT Debt VS Equity VS FCFHCI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

  • HCI has a Current 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 Current ratio of 0.06. This is in the better half of the industry: HCI outperforms 62.42% 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 62.42% of its industry peers.
Industry RankSector Rank
Current Ratio 0.06
Quick Ratio 0.06
HCI Yearly Current Assets VS Current LiabilitesHCI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • HCI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 164.00%, which is quite impressive.
  • The Earnings Per Share has been growing by 47.93% on average over the past years. This is a very strong growth
EPS 1Y (TTM)164%
EPS 3YN/A
EPS 5Y47.93%
EPS Q2Q%2238.71%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%52.12%

3.2 Future

  • Based on estimates for the next years, HCI will show a decrease in Earnings Per Share. The EPS will decrease by -1.45% on average per year.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-27.78%
EPS Next 2Y-11.45%
EPS Next 3Y-4.99%
EPS Next 5Y-1.45%
Revenue Next Year11.03%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
HCI Yearly Revenue VS EstimatesHCI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
HCI Yearly EPS VS EstimatesHCI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 5 -5 10 15 20

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.62, the valuation of HCI can be described as very cheap.
  • HCI's Price/Earnings ratio is a bit cheaper when compared to the industry. HCI is cheaper than 73.83% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.13. HCI is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 10.55 indicates a reasonable valuation of HCI.
  • The rest of the industry has a similar Price/Forward Earnings ratio as HCI.
  • The average S&P500 Price/Forward Earnings ratio is at 28.11. HCI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.62
Fwd PE 10.55
HCI Price Earnings VS Forward Price EarningsHCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, HCI is valued cheaper than 83.22% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, HCI is valued a bit cheaper than the industry average as 65.10% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.57
EV/EBITDA 4.23
HCI Per share dataHCI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The decent profitability rating of HCI may justify a higher PE ratio.
  • HCI's earnings are expected to decrease with -4.99% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.16
EPS Next 2Y-11.45%
EPS Next 3Y-4.99%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • HCI has a yearly dividend return of 0.91%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.46, HCI is paying slightly less dividend.
  • With a Dividend Yield of 0.91, HCI pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.91%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.17%
Div Incr Years0
Div Non Decr Years14
HCI Yearly Dividends per shareHCI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • HCI pays out 9.39% of its income as dividend. This is a sustainable payout ratio.
DP9.39%
EPS Next 2Y-11.45%
EPS Next 3Y-4.99%
HCI Yearly Income VS Free CF VS DividendHCI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M
HCI Dividend Payout.HCI Dividend Payout, showing the Payout Ratio.HCI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

HCI GROUP INC

NYSE:HCI (3/2/2026, 8:25:20 PM)

After market: 173.76 0 (0%)

173.76

-2.66 (-1.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)05-06
Inst Owners81.41%
Inst Owner Change1.64%
Ins Owners14.3%
Ins Owner Change3.9%
Market Cap2.25B
Revenue(TTM)N/A
Net Income(TTM)195.47M
Analysts80
Price Target231.2 (33.06%)
Short Float %2.96%
Short Ratio2.2
Dividend
Industry RankSector Rank
Dividend Yield 0.91%
Yearly Dividend1.62
Dividend Growth(5Y)0.17%
DP9.39%
Div Incr Years0
Div Non Decr Years14
Ex-Date02-20
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%
PT rev (3m)2.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.15%
EPS NY rev (1m)0%
EPS NY rev (3m)25.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.23%
Valuation
Industry RankSector Rank
PE 7.62
Fwd PE 10.55
P/S 2.76
P/FCF 5.57
P/OCF 5.51
P/B 2.74
P/tB 2.75
EV/EBITDA 4.23
EPS(TTM)22.81
EY13.13%
EPS(NY)16.47
Fwd EY9.48%
FCF(TTM)31.19
FCFY17.95%
OCF(TTM)31.51
OCFY18.13%
SpS63.06
BVpS63.41
TBVpS63.15
PEG (NY)N/A
PEG (5Y)0.16
Graham Number180.4
Profitability
Industry RankSector 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 RankSector 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 1.91
F-Score5
WACC8.23%
ROIC/WACC1.23
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)164%
EPS 3YN/A
EPS 5Y47.93%
EPS Q2Q%2238.71%
EPS Next Y-27.78%
EPS Next 2Y-11.45%
EPS Next 3Y-4.99%
EPS Next 5Y-1.45%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%52.12%
Revenue Next Year11.03%
Revenue Next 2YN/A
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 5 / 10 to HCI.


What is the valuation status for HCI stock?

ChartMill assigns a valuation rating of 6 / 10 to HCI GROUP INC (HCI). This can be considered as Fairly Valued.


How profitable is HCI GROUP INC (HCI) stock?

HCI GROUP INC (HCI) has a profitability rating of 6 / 10.


What is the valuation of HCI GROUP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HCI GROUP INC (HCI) is 7.62 and the Price/Book (PB) ratio is 2.74.


How financially healthy is HCI GROUP INC?

The financial health rating of HCI GROUP INC (HCI) is 6 / 10.