HCI GROUP INC (HCI) Stock Fundamental Analysis

NYSE:HCI • US40416E1038

156.12 USD
+0.83 (+0.53%)
At close: Feb 20, 2026
156.12 USD
0 (0%)
After Hours: 2/20/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

Taking everything into account, HCI scores 7 out of 10 in our fundamental rating. HCI was compared to 149 industry peers in the Insurance industry. HCI scores excellent on profitability, but there are some minor concerns on its financial health. An interesting combination arises when we look at growth and value: HCI is growing strongly while it also seems undervalued. With these ratings, HCI could be worth investigating further for value and growth investing!.


Dividend Valuation Growth Profitability Health

7

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.
  • Of the past 5 years HCI 4 years had a positive operating cash flow.
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

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

  • Looking at the Profit Margin, with a value of 23.92%, HCI belongs to the top of the industry, outperforming 95.30% of the companies in the same industry.
  • HCI's Profit Margin has improved in the last couple of years.
  • HCI has a better Operating Margin (37.12%) than 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • Compared to 1 year ago, HCI has more shares outstanding
  • Compared to 5 years ago, HCI has more shares outstanding
  • HCI has a better debt/assets ratio than last year.
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

  • Based on the Altman-Z score of 1.81, we must say that HCI is in the distress zone and has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.81, HCI belongs to the best of the industry, outperforming 91.28% of the companies in the same industry.
  • HCI has a debt to FCF ratio of 0.17. This is a very positive value and a sign of high solvency as it would only need 0.17 years to pay back of all of its debts.
  • The Debt to FCF ratio of HCI (0.17) is better than 93.29% of its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that HCI is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.09, HCI is in the better half of the industry, outperforming 78.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.17
Altman-Z 1.81
ROIC/WACC1.22
WACC8.29%
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.
  • The Current ratio of HCI (0.06) is better than 63.09% of its industry peers.
  • A Quick Ratio of 0.06 indicates that HCI may have some problems paying its short term obligations.
  • HCI's Quick ratio of 0.06 is fine compared to the rest of the industry. HCI outperforms 63.09% 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

  • HCI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.40%, which is quite impressive.
  • The Earnings Per Share has been growing by 22.91% on average over the past years. This is a very strong growth
  • HCI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.02%.
  • Measured over the past years, HCI shows a very strong growth in Revenue. The Revenue has been growing by 25.22% on average per year.
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

  • The Earnings Per Share is expected to grow by 20.02% on average over the next years. This is a very strong growth
  • HCI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.64% yearly.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

  • With a Price/Earnings ratio of 9.84, the valuation of HCI can be described as very reasonable.
  • Based on the Price/Earnings ratio, HCI is valued a bit cheaper than 62.42% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.99. HCI is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.48 indicates a reasonable valuation of HCI.
  • HCI's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. HCI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.84
Fwd PE 9.48
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

  • Based on the Enterprise Value to EBITDA ratio, HCI is valued cheaper than 86.58% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of HCI indicates a somewhat cheap valuation: HCI is cheaper than 71.81% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.01
EV/EBITDA 3.36
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.
  • HCI has a very decent profitability rating, which 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

  • HCI has a yearly dividend return of 0.99%, which is pretty low.
  • HCI's Dividend Yield is comparable with the industry average which is at 2.65.
  • Compared to an average S&P500 Dividend Yield of 1.85, HCI's dividend is way lower than the S&P500 average.
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 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

  • 9.39% of the earnings are spent on dividend by HCI. This is a low number and 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 3Y27.45%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

HCI GROUP INC

NYSE:HCI (2/20/2026, 8:04:00 PM)

After market: 156.12 0 (0%)

156.12

+0.83 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-09
Earnings (Next)02-25
Inst Owners81.41%
Inst Owner Change4.11%
Ins Owners14.3%
Ins Owner Change0.88%
Market Cap2.02B
Revenue(TTM)817.27M
Net Income(TTM)195.47M
Analysts80
Price Target231.2 (48.09%)
Short Float %2.96%
Short Ratio2.2
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 9.84
Fwd PE 9.48
P/S 2.48
P/FCF 5.01
P/OCF 4.95
P/B 2.46
P/tB 2.47
EV/EBITDA 3.36
EPS(TTM)15.87
EY10.17%
EPS(NY)16.47
Fwd EY10.55%
FCF(TTM)31.19
FCFY19.98%
OCF(TTM)31.51
OCFY20.18%
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 1.81
F-Score5
WACC8.29%
ROIC/WACC1.22
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 9.84 and the Price/Book (PB) ratio is 2.46.


How financially healthy is HCI GROUP INC?

The financial health rating of HCI GROUP INC (HCI) is 5 / 10.