HCI GROUP INC (HCI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HCI - US40416E1038 - Common Stock
175.95 USD
+1 (+0.57%)
175.95 USD
0 (0%)
Taking everything into account, HCI scores 7 out of 10 in our fundamental rating. HCI was compared to 146 industry peers in the Insurance industry. While HCI has a great profitability rating, there are some minor concerns on its financial health. HCI has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! 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.
- In the past year HCI had a positive cash flow from operations.
- HCI had positive earnings in 4 of the past 5 years.
- HCI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- HCI has a Return On Assets of 8.33%. This is amongst the best in the industry. HCI outperforms 95.21% of its industry peers.
- With an excellent Return On Equity value of 23.79%, HCI belongs to the best of the industry, outperforming 90.41% of the companies in the same industry.
- The Return On Invested Capital of HCI (10.13%) is better than 93.84% 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
- HCI's Profit Margin of 23.92% is amongst the best of the industry. HCI outperforms 95.21% of its industry peers.
- In the last couple of years the Profit Margin of HCI has grown nicely.
- HCI has a better Operating Margin (37.12%) than 97.26% of its industry peers.
- HCI's Operating Margin has improved in the last couple of years.
| 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
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), HCI is creating some value.
- The number of shares outstanding for HCI has been increased compared to 1 year ago.
- Compared to 5 years ago, HCI has more shares outstanding
- HCI has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 1.91 indicates that HCI is not a great score, but indicates only limited risk for bankruptcy at the moment.
- HCI's Altman-Z score of 1.91 is amongst the best of the industry. HCI outperforms 90.41% 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.
- HCI's Debt to FCF ratio of 0.17 is amongst the best of the industry. HCI outperforms 93.15% of its industry peers.
- A Debt/Equity ratio of 0.09 indicates that HCI is not too dependend on debt financing.
- HCI has a better Debt to Equity ratio (0.09) than 78.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.17 | ||
| Altman-Z | 1.91 |
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.
- Looking at the Current ratio, with a value of 0.06, HCI is in the better half of the industry, outperforming 63.70% of the companies in the same industry.
- 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.
- HCI's Quick ratio of 0.06 is fine compared to the rest of the industry. HCI outperforms 63.70% 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.
- The Earnings Per Share has been growing by 22.91% on average over the past years. This is a very strong growth
- Looking at the last year, HCI shows a quite strong growth in Revenue. The Revenue has grown by 9.02% in the last year.
- 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
- 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.
- HCI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.75% yearly.
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
- Based on the Price/Earnings ratio of 11.09, the valuation of HCI can be described as reasonable.
- HCI's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, HCI is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.68, the valuation of HCI can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as HCI.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, HCI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| Fwd PE | 10.68 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HCI indicates a rather cheap valuation: HCI is cheaper than 83.56% of the companies listed 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 69.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.64 | ||
| EV/EBITDA | 4.17 |
4.3 Compensation for Growth
- HCI's 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)0.08
PEG (5Y)0.48
EPS Next 2Y38.08%
EPS Next 3Y27.32%
5. Dividend
5.1 Amount
- HCI has a yearly dividend return of 0.92%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.42, HCI has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.89, HCI's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
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 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
- HCI pays out 9.39% of its income as dividend. This is a 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%
175.95
+1 (+0.57%)
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-0.19%
Ins Owners14.3%
Ins Owner Change1.64%
Market Cap2.28B
Revenue(TTM)817.27M
Net Income(TTM)195.47M
Analysts82.22
Price Target227.46 (29.28%)
Short Float %4.51%
Short Ratio2.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
Yearly Dividend1.62
Dividend Growth(5Y)0.17%
DP9.39%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
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%
PT rev (3m)10.12%
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)0%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| Fwd PE | 10.68 | ||
| P/S | 2.79 | ||
| P/FCF | 5.64 | ||
| P/OCF | 5.58 | ||
| P/B | 2.77 | ||
| P/tB | 2.79 | ||
| EV/EBITDA | 4.17 |
EPS(TTM)15.87
EY9.02%
EPS(NY)16.47
Fwd EY9.36%
FCF(TTM)31.19
FCFY17.73%
OCF(TTM)31.51
OCFY17.91%
SpS63.06
BVpS63.41
TBVpS63.15
PEG (NY)0.08
PEG (5Y)0.48
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 | 1.91 |
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 for 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 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 11.09 and the Price/Book (PB) ratio is 2.77.
How financially healthy is HCI GROUP INC?
The financial health rating of HCI GROUP INC (HCI) is 6 / 10.