HCI GROUP INC (HCI) Stock Fundamental Analysis

NYSE:HCI • US40416E1038

157.96 USD
-3.62 (-2.24%)
At close: Feb 13, 2026
157.96 USD
0 (0%)
After Hours: 2/13/2026, 8:14:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

Overall HCI gets a fundamental rating of 7 out of 10. We evaluated HCI against 149 industry peers in the Insurance industry. While HCI belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. HCI is evaluated to be cheap and growing strongly. This does not happen too often! These ratings could make HCI a good candidate for value and growth investing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year HCI was profitable.
  • HCI had a positive operating cash flow in the past year.
  • Of the past 5 years HCI 4 years were profitable.
  • HCI had a positive operating cash flow in 4 of the past 5 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

  • With an excellent Return On Assets value of 8.33%, HCI belongs to the best of the industry, outperforming 95.30% of the companies in the same industry.
  • With an excellent Return On Equity value of 23.79%, HCI belongs to the best of the industry, outperforming 91.28% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 10.13%, HCI belongs to the top of the industry, outperforming 93.96% of the companies in the same industry.
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

  • The Profit Margin of HCI (23.92%) is better than 95.30% of its industry peers.
  • In the last couple of years the Profit Margin of HCI has grown nicely.
  • HCI's Operating Margin of 37.12% is amongst the best of the industry. HCI outperforms 97.32% of its industry peers.
  • In the last couple of years the Operating Margin of HCI has grown nicely.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

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.
  • Compared to 1 year ago, HCI has more shares outstanding
  • The number of shares outstanding for HCI has been increased compared to 5 years ago.
  • The debt/assets ratio for HCI has been reduced compared to a year ago.
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

  • HCI has an Altman-Z score of 1.82. 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.
  • HCI has a Altman-Z score of 1.82. This is amongst the best in the industry. HCI outperforms 91.28% 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.
  • The Debt to FCF ratio of HCI (0.17) is better than 93.29% 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 78.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.17
Altman-Z 1.82
ROIC/WACC1.23
WACC8.26%
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 better Current ratio (0.06) than 63.76% of its industry peers.
  • A Quick Ratio of 0.06 indicates that HCI may have some problems paying its short term obligations.
  • The Quick ratio of HCI (0.06) is better than 63.76% 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

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

8

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

  • Based on estimates for the next years, HCI will show a very strong growth in Earnings Per Share. The EPS will grow by 20.02% on average per year.
  • Based on estimates for the next years, HCI will show a quite strong growth in Revenue. The Revenue will grow by 13.64% on average per year.
EPS Next Y135.04%
EPS Next 2Y38.08%
EPS Next 3Y27.45%
EPS Next 5Y20.02%
Revenue Next Year16.31%
Revenue Next 2Y13.64%
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.
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

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.95 indicates a reasonable valuation of HCI.
  • Based on the Price/Earnings ratio, HCI is valued a bit cheaper than 60.40% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.97. HCI is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.59 indicates a reasonable valuation of HCI.
  • HCI's Price/Forward Earnings is on the same level as the industry average.
  • HCI is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.95
Fwd PE 9.59
HCI Price Earnings VS Forward Price EarningsHCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • HCI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. HCI is cheaper than 85.23% of the companies in the same industry.
  • 70.47% of the companies in the same industry are more expensive than HCI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.06
EV/EBITDA 3.47
HCI Per share dataHCI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The 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.
  • A more expensive valuation may be justified as HCI's earnings are expected to grow with 27.45% in the coming years.
PEG (NY)0.07
PEG (5Y)0.43
EPS Next 2Y38.08%
EPS Next 3Y27.45%

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

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.99%, HCI is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.59, HCI has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.99, HCI pays less dividend than the S&P500 average, which is at 1.84.
Industry RankSector Rank
Dividend Yield 0.99%

5.2 History

  • The dividend of HCI has a limited annual growth rate of 0.17%.
  • HCI has been paying a dividend for at least 10 years, so it has 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
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

  • 9.39% of the earnings are spent on dividend by HCI. This is a low number and sustainable payout ratio.
  • The dividend of HCI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP9.39%
EPS Next 2Y38.08%
EPS Next 3Y27.45%
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

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Find the best dividend stocksShow peers with best dividend

HCI GROUP INC

NYSE:HCI (2/13/2026, 8:14:36 PM)

After market: 157.96 0 (0%)

157.96

-3.62 (-2.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-09
Earnings (Next)02-25
Inst Owners81.41%
Inst Owner Change0.93%
Ins Owners14.3%
Ins Owner Change0.88%
Market Cap2.05B
Revenue(TTM)817.27M
Net Income(TTM)195.47M
Analysts80
Price Target231.2 (46.37%)
Short Float %4.32%
Short Ratio2.84
Dividend
Industry RankSector Rank
Dividend Yield 0.99%
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)1.64%
PT rev (3m)11.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)19.93%
EPS NY rev (1m)0%
EPS NY rev (3m)25.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.57%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.23%
Valuation
Industry RankSector Rank
PE 9.95
Fwd PE 9.59
P/S 2.5
P/FCF 5.06
P/OCF 5.01
P/B 2.49
P/tB 2.5
EV/EBITDA 3.47
EPS(TTM)15.87
EY10.05%
EPS(NY)16.47
Fwd EY10.43%
FCF(TTM)31.19
FCFY19.75%
OCF(TTM)31.51
OCFY19.95%
SpS63.06
BVpS63.41
TBVpS63.15
PEG (NY)0.07
PEG (5Y)0.43
Graham Number150.47
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 1.82
F-Score5
WACC8.26%
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)37.4%
EPS 3Y342.08%
EPS 5Y22.91%
EPS Q2Q%1004.26%
EPS Next Y135.04%
EPS Next 2Y38.08%
EPS Next 3Y27.45%
EPS Next 5Y20.02%
Revenue 1Y (TTM)9.02%
Revenue growth 3Y22.37%
Revenue growth 5Y25.22%
Sales Q2Q%23.41%
Revenue Next Year16.31%
Revenue Next 2Y13.64%
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 for HCI stock?

ChartMill assigns a valuation rating of 8 / 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 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 9.95 and the Price/Book (PB) ratio is 2.49.


How financially healthy is HCI GROUP INC?

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