HCI GROUP INC (HCI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HCI - US40416E1038 - Common Stock
160.02 USD
-10.08 (-5.93%)
160.02 USD
0 (0%)
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 has an excellent profitability rating, 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. These ratings would make HCI suitable for value and growth investing!
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.
- HCI had a positive operating cash flow in 4 of the past 5 years.
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 89.93% of the companies in the same industry.
- HCI has a Return On Invested Capital of 10.13%. This is amongst the best in the industry. HCI outperforms 93.29% 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
- 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.
- In the last couple of years the Profit Margin of HCI has grown nicely.
- 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 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
- 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
- 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
- HCI has an Altman-Z score of 1.88. 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's Altman-Z score of 1.88 is amongst the best of the industry. HCI outperforms 89.26% of its industry peers.
- 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.
- HCI has a better Debt to FCF ratio (0.17) 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.
- With a decent Debt to Equity ratio value of 0.09, HCI is doing good in the industry, outperforming 78.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.17 | ||
| Altman-Z | 1.88 |
ROIC/WACC1.2
WACC8.46%
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 62.42% of its industry peers.
- A Quick Ratio of 0.06 indicates that HCI may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.06, HCI is in the better half of the industry, outperforming 62.42% of the companies in the same industry.
| 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.
- Measured over the past years, HCI shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.91% on average per year.
- The Revenue has grown by 9.02% in the past year. This is quite good.
- The Revenue has been growing by 25.22% on average over the past years. This is a very strong growth!
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
- The Revenue is expected to grow by 13.64% 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 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.08, the valuation of HCI can be described as reasonable.
- HCI's Price/Earnings ratio is a bit cheaper when compared to the industry. HCI is cheaper than 60.40% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, HCI is valued rather cheaply.
- HCI is valuated reasonably with a Price/Forward Earnings ratio of 9.71.
- HCI's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.32, HCI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.08 | ||
| Fwd PE | 9.71 |
4.2 Price Multiples
- 83.89% of the companies in the same industry are more expensive than HCI, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of HCI indicates a somewhat cheap valuation: HCI is cheaper than 69.80% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.13 | ||
| EV/EBITDA | 3.97 |
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 27.32% in the coming years.
PEG (NY)0.07
PEG (5Y)0.44
EPS Next 2Y38.08%
EPS Next 3Y27.32%
5. Dividend
5.1 Amount
- HCI has a yearly dividend return of 0.91%, which is pretty low.
- The stock price of HCI dropped by -22.47% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- Compared to an average industry Dividend Yield of 2.53, HCI is paying slightly less dividend.
- With a Dividend Yield of 0.91, HCI pays less dividend than the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
5.2 History
- The dividend of HCI has a limited annual growth rate of 0.17%.
- HCI has paid a dividend for at least 10 years, which is 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
5.3 Sustainability
- HCI pays out 9.39% of its income as dividend. This is a 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 3Y27.32%
160.02
-10.08 (-5.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-09 2025-11-09/bmo
Earnings (Next)02-25 2026-02-25/amc
Inst Owners81.41%
Inst Owner Change-0.1%
Ins Owners14.3%
Ins Owner Change1.64%
Market Cap2.07B
Revenue(TTM)817.27M
Net Income(TTM)195.47M
Analysts82.22
Price Target231.2 (44.48%)
Short Float %4.62%
Short Ratio3.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
Yearly Dividend1.62
Dividend Growth(5Y)0.17%
DP9.39%
Div Incr Years0
Div Non Decr Years14
Ex-Date02-20 2026-02-20 (0.4)
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)20.15%
EPS NY rev (1m)0%
EPS NY rev (3m)23.54%
Revenue NQ rev (1m)-4.25%
Revenue NQ rev (3m)-2.82%
Revenue NY rev (1m)-1.15%
Revenue NY rev (3m)-1.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.08 | ||
| Fwd PE | 9.71 | ||
| P/S | 2.54 | ||
| P/FCF | 5.13 | ||
| P/OCF | 5.08 | ||
| P/B | 2.52 | ||
| P/tB | 2.53 | ||
| EV/EBITDA | 3.97 |
EPS(TTM)15.87
EY9.92%
EPS(NY)16.47
Fwd EY10.29%
FCF(TTM)31.19
FCFY19.49%
OCF(TTM)31.51
OCFY19.69%
SpS63.06
BVpS63.41
TBVpS63.15
PEG (NY)0.07
PEG (5Y)0.44
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 | 1.88 |
F-Score5
WACC8.46%
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 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 10.08 and the Price/Book (PB) ratio is 2.52.
How financially healthy is HCI GROUP INC?
The financial health rating of HCI GROUP INC (HCI) is 6 / 10.