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 150 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 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.
  • 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

  • HCI has a Return On Assets of 8.33%. This is amongst the best in the industry. HCI outperforms 95.33% of its industry peers.
  • Looking at the Return On Equity, with a value of 23.79%, HCI belongs to the top of the industry, outperforming 91.33% of the companies in the same industry.
  • HCI has a better Return On Invested Capital (10.13%) than 94.00% 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

  • HCI has a Profit Margin of 23.92%. This is amongst the best in the industry. HCI outperforms 95.33% 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 97.33% of its industry peers.
  • HCI's Operating Margin has improved in the last couple of years.
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

5

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.
  • Compared to 1 year ago, HCI has more shares outstanding
  • HCI has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, HCI has an improved debt to assets ratio.
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 1.81. This is a bad value and indicates that HCI is not financially healthy and even has some risk of bankruptcy.
  • HCI's Altman-Z score of 1.81 is amongst the best of the industry. HCI outperforms 91.33% 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.
  • With an excellent Debt to FCF ratio value of 0.17, HCI belongs to the best of the industry, outperforming 93.33% of the companies in the same industry.
  • A Debt/Equity ratio of 0.09 indicates that HCI is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.09, HCI is doing good in the industry, outperforming 78.67% 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

  • A Current Ratio of 0.06 indicates that HCI may have some problems paying its short term obligations.
  • With a decent Current ratio value of 0.06, HCI is doing good in the industry, outperforming 63.33% 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 has a better Quick ratio (0.06) than 63.33% 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.
  • 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.
  • HCI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.02%.
  • 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

  • HCI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.02% yearly.
  • 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 3Y27.45%
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 9.84 indicates a reasonable valuation of HCI.
  • HCI's Price/Earnings ratio is a bit cheaper when compared to the industry. HCI is cheaper than 62.67% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of HCI to the average of the S&P500 Index (26.99), we can say HCI is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.48, the valuation of HCI can be described as reasonable.
  • HCI's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, HCI is valued rather cheaply.
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

  • 84.67% 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 71.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.01
EV/EBITDA 3.39
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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.03%, HCI has a reasonable but not impressive dividend return.
  • HCI's Dividend Yield is comparable with the industry average which is at 2.64.
  • With a Dividend Yield of 1.03, HCI pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.03%

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
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

  • 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 3Y27.45%
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 (2/20/2026, 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 Change1.64%
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 1.03%
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)0%
PT rev (3m)2.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.15%
EPS NY rev (1m)0%
EPS NY rev (3m)25.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.25%
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 3.39
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.