Overview Dividends

(HCI) HCI - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US40416E1038

Property Insurance, Casualty Insurance, Real Estate

HCI EPS (Earnings per Share)

EPS Growth (3Y CAGR): 46.17%
EPS Trend (3Y Correlation): 61.4%

HCI Revenue

Revenue Growth (3Y CAGR): 22.62%
Revenue Trend (3Y Correlation): 87.0%

Description: HCI HCI

HCI Group Inc, listed on the NYSE under the ticker symbol HCI, operates within the Property & Casualty Insurance sub-industry. As a US-originated company, its financial performance is subject to the dynamics of the American insurance market.

The companys financial health can be evaluated through key performance indicators such as Return on Equity (RoE), which stands at 26.32%, indicating a robust profitability level. The Price-to-Earnings (P/E) ratio is 13.45, suggesting that the stock might be undervalued relative to its earnings, while the forward P/E of 8.85 implies expected growth in earnings per share.

To further understand HCI Groups financial stability and growth prospects, its essential to examine its income tax expense on a yearly basis. Fluctuations in tax expenses can significantly impact net income, influencing investor perceptions and stock performance.

Key economic drivers for HCI Group include the overall demand for property and casualty insurance, regulatory changes, and the competitive landscape within the insurance industry. The companys market capitalization of $1818.24M USD positions it as a mid-cap entity, potentially offering a balance between growth opportunities and stability.

From a trading perspective, the stocks beta of 1.224 indicates a slightly higher volatility compared to the overall market, suggesting that investors should be prepared for potential price swings. The average trading volume of 132,150 shares suggests sufficient liquidity for investors to enter or exit positions without significantly impacting the stock price.

HCI Stock Overview

Market Cap in USD	2,209m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	2008-09-15

HCI Stock Ratings

Growth Rating	88.5%
Fundamental	88.2%
Dividend Rating	36.3%
Return 12m vs S&P 500	56.7%
Analyst Rating	4.80 of 5

HCI Dividends

Dividend Yield 12m	1.02%
Yield on Cost 5y	3.29%
Annual Growth 5y	0.00%
Payout Consistency	98.1%
Payout Ratio	14.2%

HCI Growth Ratios

Growth Correlation 3m	46%
Growth Correlation 12m	89.4%
Growth Correlation 5y	58.7%
CAGR 5y	57.28%
CAGR/Max DD 3y	1.28
CAGR/Mean DD 3y	8.39
Sharpe Ratio 12m	1.88
Alpha	0.22
Beta	0.513
Volatility	37.16%
Current Volume	183.5k
Average Volume 20d	118.9k
Stop Loss	172.5 (-3.2%)
Signal	1.51

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (144.1m TTM) > 0 and > 6% of Revenue (6% = 46.5m TTM)

FCFTA 0.25 (>2.0%) and ΔFCFTA 0.17pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 9.48% (prev 70.55%; Δ -61.07pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.25 (>3.0%) and CFO 485.8m > Net Income 144.1m (YES >=105%, WARN >=100%)

Net Debt (15.6m) to EBITDA (137.2m) ratio: 0.11 <= 3.0 (WARN <= 3.5)

Current Ratio 4.02 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (12.9m) change vs 12m ago 1.47% (target <= -2.0% for YES)

Gross Margin 85.11% (prev 96.33%; Δ -11.22pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 45.60% (prev 47.64%; Δ -2.05pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 9.44 (EBITDA TTM 137.2m / Interest Expense TTM 13.8m) >= 6 (WARN >= 3)

Altman Z'' 1.98

(A) 0.04 = (Total Current Assets 97.7m - Total Current Liabilities 24.3m) / Total Assets 1.92b

(B) 0.24 = Retained Earnings (Balance) 458.7m / Total Assets 1.92b

(D) 0.41 = Book Value of Equity 459.9m / Total Liabilities 1.13b

Total Rating: 1.98 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 88.23

1. Piotroski 5.50pt = 0.50

2. FCF Yield 37.26% = 5.0

3. FCF Margin 62.43% = 7.50

4. Debt/Equity 0.05 = 2.50

5. Debt/Ebitda 0.29 = 2.44

6. ROIC - WACC 5.77% = 7.22

7. RoE 26.32% = 2.19

8. Rev. Trend 87.01% = 4.35

9. Rev. CAGR 22.62% = 2.50

10. EPS Trend 61.43% = 1.54

11. EPS CAGR 46.17% = 2.50

What is the price of HCI shares?

As of September 12, 2025, the stock is trading at USD 178.12 with a total of 183,500 shares traded.
Over the past week, the price has changed by +4.48%, over one month by +15.70%, over three months by +14.56% and over the past year by +88.58%.

Is HCI a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, HCI (NYSE:HCI) is currently (September 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 88.23 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HCI is around 230.51 USD . This means that HCI is currently undervalued and has a potential upside of +29.41% (Margin of Safety).

Is HCI a buy, sell or hold?

HCI has received a consensus analysts rating of 4.80. Therefore, it is recommended to buy HCI.

Strong Buy: 4
Buy: 1
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the HCI price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	202.5	13.7%
Analysts Target Price	202.5	13.7%
ValueRay Target Price	255.6	43.5%

Last update: 2025-09-05 04:45

HCI Fundamental Data Overview

Market Cap USD = 2.21b (2.21b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 950.9m USD (Cash only, last quarter)
P/E Trailing = 14.9282
P/E Forward = 10.3413
P/S = 2.8488
P/B = 2.9125
P/EG = 1.7
Beta = 1.224
Revenue TTM = 775.0m USD
EBIT TTM = 130.4m USD
EBITDA TTM = 137.2m USD
Long Term Debt = 15.6m USD (from longTermDebt, last quarter)
Short Term Debt = 24.3m USD (from totalCurrentLiabilities, last quarter)
Debt = 39.9m USD (Calculated: Short Term 24.3m + Long Term 15.6m)
Net Debt = 15.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.30b USD (2.21b + Debt 39.9m - CCE 950.9m)
Interest Coverage Ratio = 9.44 (Ebit TTM 130.4m / Interest Expense TTM 13.8m)
FCF Yield = 37.26% (FCF TTM 483.8m / Enterprise Value 1.30b)
FCF Margin = 62.43% (FCF TTM 483.8m / Revenue TTM 775.0m)
Net Margin = 18.59% (Net Income TTM 144.1m / Revenue TTM 775.0m)
Gross Margin = 85.11% ((Revenue TTM 775.0m - Cost of Revenue TTM 115.4m) / Revenue TTM)
Tobins Q-Ratio = 2.82 (Enterprise Value 1.30b / Book Value Of Equity 459.9m)
Interest Expense / Debt = 9.38% (Interest Expense 3.74m / Debt 39.9m)
Taxrate = 26.44% (45.8m / 173.4m)
NOPAT = 95.9m (EBIT 130.4m * (1 - 26.44%))
Current Ratio = 4.02 (Total Current Assets 97.7m / Total Current Liabilities 24.3m)
Debt / Equity = 0.05 (Debt 39.9m / last Quarter total Stockholder Equity 758.6m)
Debt / EBITDA = 0.29 (Net Debt 15.6m / EBITDA 137.2m)
Debt / FCF = 0.08 (Debt 39.9m / FCF TTM 483.8m)
Total Stockholder Equity = 547.5m (last 4 quarters mean)
RoA = 7.52% (Net Income 144.1m, Total Assets 1.92b )
RoE = 26.32% (Net Income TTM 144.1m / Total Stockholder Equity 547.5m)
RoCE = 23.15% (Ebit 130.4m / (Equity 547.5m + L.T.Debt 15.6m))
RoIC = 13.67% (NOPAT 95.9m / Invested Capital 701.8m)
WACC = 7.89% (E(2.21b)/V(2.25b) * Re(7.91%)) + (D(39.9m)/V(2.25b) * Rd(9.38%) * (1-Tc(0.26)))
Shares Correlation 5-Years: 90.0 | Cagr: 6.58%
Discount Rate = 7.91% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 73.79% ; FCFE base≈439.3m ; Y1≈337.3m ; Y5≈211.0m
Fair Price DCF = 305.6 (DCF Value 3.96b / Shares Outstanding 13.0m; 5y FCF grow -27.59% → 3.0% )
Revenue Correlation: 87.01 | Revenue CAGR: 22.62%
Rev Growth-of-Growth: -13.17
EPS Correlation: 61.43 | EPS CAGR: 46.17%
EPS Growth-of-Growth: -138.3

Additional Sources for HCI Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle