Overview Dividends

(HCI) HCI - Ratings and Ratios

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

Homeowners Insurance, Reinsurance, Real Estate, Software Platforms

Property & Casualty Insurance
Market Cap in USD: 2,252m

IPO / Inception: 2008-09-15
Return 12m vs S&P 500: 34.3%

EPS (Earnings per Share)

EPS CAGR: 18.60%
EPS Trend: 69.7%

Last SUE: 3.82
Qual. Beats: 4

Revenue

Rev. CAGR: 19.52%
Rev. Trend: 90.1%

Last SUE: -0.05
Qual. Beats: 0

Dividends

Dividend Yield	0.91%
Yield on Cost 5y	3.39%
Yield CAGR 5y	0.00%
Payout Consistency	98.0%
Payout Ratio	10.2%

Risk via 10d forecast
Volatility	36.6%
Value at Risk 5%th	56.5%
Relative Tail Risk	-6.21%

Reward TTM
Sharpe Ratio	1.40
Alpha	51.87
CAGR/Max DD	2.50

Character TTM
Hurst Exponent	0.360
Beta	0.364
Beta Downside	0.477

Drawdowns 3y
Max DD	28.30%
Mean DD	7.48%
Median DD	5.13%

Description: HCI HCI November 13, 2025

HCI Group, Inc. (NYSE:HCI) is a Tampa-based diversified insurer that operates across property-and-casualty insurance, reinsurance, real-estate investment, and insurance-technology services. The firm trades under the ticker HCI and is classified in the Property & Casualty Insurance sub-industry.

The company’s insurance operations write residential lines-including homeowners, fire, and wind-only policies-for owners, condo associations, and renters, while its Reciprocal Exchange segment offers reinsurance capacity to other carriers. Complementary businesses include the TypTap Group, which develops and licenses web-based platforms such as SAMS (policy administration), Harmony (policy workflow), ClaimColony (claims processing), and AtlasViewer (geospatial analytics). Real-estate holdings comprise waterfront properties, retail centers, office space, and other commercial assets that generate rental income.

Key performance indicators from the most recent filing show net written premiums of roughly $420 million in 2023, with a loss ratio near 71% and a combined ratio of 96%, indicating modest underwriting profitability. Investment income benefited from the prevailing higher-interest-rate environment, contributing approximately $30 million to net earnings, while the real-estate portfolio is valued at about $210 million, providing a diversification buffer against catastrophe-driven underwriting volatility. The sector’s outlook is heavily influenced by climate-related loss trends and the pace of rate-adjustments in response to rising reinsurance costs.

For analysts looking to deepen their quantitative assessment, a quick review of HCI’s ValueRay profile can surface additional risk-adjusted metrics and peer comparisons that may sharpen your investment thesis.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (203.9m TTM) > 0 and > 6% of Revenue (6% = 49.0m TTM)

FCFTA 0.17 (>2.0%) and ΔFCFTA -3.31pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 196.9% (prev 176.5%; Δ 20.48pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.17 (>3.0%) and CFO 408.4m > Net Income 203.9m (YES >=105%, WARN >=100%)

Net Debt (-954.9m) to EBITDA (313.7m) ratio: -3.04 <= 3.0 (WARN <= 3.5)

Current Ratio 85.40 (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 22.57% (target <= -2.0% for YES)

Gross Margin 48.85% (prev 43.54%; Δ 5.30pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 37.69% (prev 37.77%; Δ -0.08pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 26.52 (EBITDA TTM 313.7m / Interest Expense TTM 11.4m) >= 6 (WARN >= 3)

Altman Z'' 6.52

(A) 0.69 = (Total Current Assets 1.63b - Total Current Liabilities 19.1m) / Total Assets 2.35b

(B) 0.22 = Retained Earnings (Balance) 519.0m / Total Assets 2.35b

(D) 0.35 = Book Value of Equity 521.1m / Total Liabilities 1.49b

Total Rating: 6.52 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 92.74

1. Piotroski 5.0pt

2. FCF Yield 36.78%

3. FCF Margin 49.55%

4. Debt/Equity 0.04

5. Debt/Ebitda -3.04

6. ROIC - WACC (= 23.21)%

7. RoE 31.91%

8. Rev. Trend 90.06%

9. EPS Trend 69.73%

What is the price of HCI shares?

As of November 27, 2025, the stock is trading at USD 176.50 with a total of 173,369 shares traded.
Over the past week, the price has changed by +2.15%, over one month by -13.28%, over three months by +9.26% and over the past year by +53.78%.

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	231.7	31.3%
Analysts Target Price	231.7	31.3%
ValueRay Target Price	255.3	44.6%

HCI Fundamental Data Overview November 25, 2025

Market Cap USD = 2.25b (2.25b USD * 1.0 USD.USD)
P/E Trailing = 11.0279
P/E Forward = 10.3627
P/S = 2.7584
P/B = 2.741
P/EG = 1.7
Beta = 1.181
Revenue TTM = 816.9m USD
EBIT TTM = 302.6m USD
EBITDA TTM = 313.7m USD
Long Term Debt = 32.1m USD (from longTermDebt, last quarter)
Short Term Debt = 997.0k USD (from shortTermDebt, last quarter)
Debt = 33.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -954.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.10b USD (2.25b + Debt 33.1m - CCE 1.18b)
Interest Coverage Ratio = 26.52 (Ebit TTM 302.6m / Interest Expense TTM 11.4m)
FCF Yield = 36.78% (FCF TTM 404.8m / Enterprise Value 1.10b)
FCF Margin = 49.55% (FCF TTM 404.8m / Revenue TTM 816.9m)
Net Margin = 24.97% (Net Income TTM 203.9m / Revenue TTM 816.9m)
Gross Margin = 48.85% ((Revenue TTM 816.9m - Cost of Revenue TTM 417.8m) / Revenue TTM)
Gross Margin QoQ = 54.80% (prev 57.19%)
Tobins Q-Ratio = 0.47 (Enterprise Value 1.10b / Total Assets 2.35b)
Interest Expense / Debt = 3.08% (Interest Expense 1.02m / Debt 33.1m)
Taxrate = 25.07% (22.7m / 90.6m)
NOPAT = 226.8m (EBIT 302.6m * (1 - 25.07%))
Current Ratio = 85.40 (Total Current Assets 1.63b / Total Current Liabilities 19.1m)
Debt / Equity = 0.04 (Debt 33.1m / totalStockholderEquity, last quarter 821.8m)
Debt / EBITDA = -3.04 (Net Debt -954.9m / EBITDA 313.7m)
Debt / FCF = -2.36 (Net Debt -954.9m / FCF TTM 404.8m)
Total Stockholder Equity = 639.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 8.69% (Net Income 203.9m / Total Assets 2.35b)
RoE = 31.91% (Net Income TTM 203.9m / Total Stockholder Equity 639.1m)
RoCE = 45.09% (EBIT 302.6m / Capital Employed (Equity 639.1m + L.T.Debt 32.1m))
RoIC = 30.49% (NOPAT 226.8m / Invested Capital 743.7m)
WACC = 7.29% (E(2.25b)/V(2.29b) * Re(7.36%) + D(33.1m)/V(2.29b) * Rd(3.08%) * (1-Tc(0.25)))
Discount Rate = 7.36% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 6.06%
[DCF Debug] Terminal Value 78.37% ; FCFE base≈406.3m ; Y1≈408.5m ; Y5≈438.1m
Fair Price DCF = 597.4 (DCF Value 7.74b / Shares Outstanding 13.0m; 5y FCF grow 0.06% → 3.0% )
EPS Correlation: 69.73 | EPS CAGR: 18.60% | SUE: 3.82 | # QB: 4
Revenue Correlation: 90.06 | Revenue CAGR: 19.52% | SUE: -0.05 | # QB: 0

Additional Sources for HCI Stock

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