HCI GROUP INC (HCI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HCI - US40416E1038 - Common Stock
192.41 USD
+0.35 (+0.18%)
We assign a fundamental rating of 7 out of 10 to HCI. HCI was compared to 148 industry peers in the Insurance industry. HCI has an excellent profitability rating, but 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 would make HCI suitable for value and growth investing!
1. Profitability
1.1 Basic Checks
HCI had positive earnings in the past year.
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.
1.2 Ratios
HCI's Return On Assets of 8.33% is amongst the best of the industry. HCI outperforms 95.27% of its industry peers.
HCI has a better Return On Equity (23.79%) than 90.54% of its industry peers.
HCI's Return On Invested Capital of 10.13% is amongst the best of the industry. HCI outperforms 93.92% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 23.92%, HCI belongs to the best of the industry, outperforming 95.27% of the companies in the same industry.
HCI's Profit Margin has improved in the last couple of years.
HCI's Operating Margin of 37.12% is amongst the best of the industry. HCI outperforms 97.30% of its industry peers.
In the last couple of years the Operating Margin of HCI has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
HCI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
HCI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for HCI has been increased compared to 5 years ago.
HCI has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.99 indicates that HCI is not a great score, but indicates only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 1.99, HCI belongs to the best of the industry, outperforming 89.86% 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 93.24% 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 better Debt to Equity ratio (0.09) than 77.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.17 | ||
| Altman-Z | 1.99 |
ROIC/WACC1.2
WACC8.42%
2.3 Liquidity
A Current Ratio of 0.06 indicates that HCI may have some problems paying its short term obligations.
HCI's Current ratio of 0.06 is fine compared to the rest of the industry. HCI outperforms 61.49% 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.
The Quick ratio of HCI (0.06) is better than 61.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
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.
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.
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
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.
The Revenue is expected to grow by 13.75% on average over the next years. This is quite good.
EPS Next Y135.04%
EPS Next 2Y38.08%
EPS Next 3Y27.32%
EPS Next 5Y20.02%
Revenue Next Year17.66%
Revenue Next 2Y13.75%
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.
4. Valuation
4.1 Price/Earnings Ratio
HCI is valuated correctly with a Price/Earnings ratio of 12.12.
Compared to the rest of the industry, the Price/Earnings ratio of HCI is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.92, HCI is valued rather cheaply.
A Price/Forward Earnings ratio of 11.68 indicates a reasonable valuation of HCI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HCI is on the same level as its industry peers.
HCI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 11.68 |
4.2 Price Multiples
79.05% of the companies in the same industry are more expensive than HCI, based on the Enterprise Value to EBITDA ratio.
HCI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HCI is cheaper than 65.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.17 | ||
| EV/EBITDA | 4.88 |
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 27.32% in the coming years.
PEG (NY)0.09
PEG (5Y)0.53
EPS Next 2Y38.08%
EPS Next 3Y27.32%
5. Dividend
5.1 Amount
With a yearly dividend of 0.82%, HCI is not a good candidate for dividend investing.
HCI's Dividend Yield is slightly below the industry average, which is at 2.42.
Compared to an average S&P500 Dividend Yield of 2.00, HCI's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
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
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 3Y27.32%
NYSE:HCI (12/29/2025, 11:08:14 AM)
192.41
+0.35 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners81.26%
Inst Owner Change1.24%
Ins Owners14.26%
Ins Owner Change1.64%
Market Cap2.49B
Revenue(TTM)817.27M
Net Income(TTM)195.47M
Analysts82.22
Price Target227.46 (18.22%)
Short Float %4.4%
Short Ratio2.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
Yearly Dividend1.62
Dividend Growth(5Y)0.17%
DP9.39%
Div Incr Years0
Div Non Decr Years14
Ex-Date
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)0.79%
PT rev (3m)10.12%
EPS NQ rev (1m)2.15%
EPS NQ rev (3m)20.15%
EPS NY rev (1m)25.4%
EPS NY rev (3m)23.54%
Revenue NQ rev (1m)4.44%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 11.68 | ||
| P/S | 3.05 | ||
| P/FCF | 6.17 | ||
| P/OCF | 6.11 | ||
| P/B | 3.03 | ||
| P/tB | 3.05 | ||
| EV/EBITDA | 4.88 |
EPS(TTM)15.87
EY8.25%
EPS(NY)16.47
Fwd EY8.56%
FCF(TTM)31.19
FCFY16.21%
OCF(TTM)31.51
OCFY16.38%
SpS63.06
BVpS63.41
TBVpS63.15
PEG (NY)0.09
PEG (5Y)0.53
Graham Number150.47
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.99 |
F-Score5
WACC8.42%
ROIC/WACC1.2
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 3Y27.32%
EPS Next 5Y20.02%
Revenue 1Y (TTM)9.02%
Revenue growth 3Y22.37%
Revenue growth 5Y25.22%
Sales Q2Q%23.41%
Revenue Next Year17.66%
Revenue Next 2Y13.75%
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 of HCI GROUP INC (HCI) stock?
ChartMill assigns a valuation rating of 7 / 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 are the PE and PB ratios of HCI GROUP INC (HCI) stock?
The Price/Earnings (PE) ratio for HCI GROUP INC (HCI) is 12.12 and the Price/Book (PB) ratio is 3.03.
What is the expected EPS growth for HCI GROUP INC (HCI) stock?
The Earnings per Share (EPS) of HCI GROUP INC (HCI) is expected to grow by 135.04% in the next year.