HCI GROUP INC (HCI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HCI - US40416E1038 - Common Stock
171.68 USD
-4.27 (-2.43%)
171.68 USD
0 (0%)
Overall HCI gets a fundamental rating of 7 out of 10. We evaluated HCI against 149 industry peers in the Insurance industry. While HCI belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. HCI is evaluated to be cheap and growing strongly. This does not happen too often! With these ratings, HCI could be worth investigating further 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
- 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.
- 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 better Return On Invested Capital (10.13%) than 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
- The Profit Margin of HCI (23.92%) is better than 95.30% 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 97.32% 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.
- Compared to 1 year ago, HCI has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 1.89 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 1.89, HCI belongs to the best of the industry, outperforming 89.26% 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.
- 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.
- HCI has a better Debt to Equity ratio (0.09) than 78.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.17 | ||
| Altman-Z | 1.89 |
ROIC/WACC1.2
WACC8.47%
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 62.42% 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.
- 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
- The Earnings Per Share has grown by an impressive 37.40% over the past year.
- HCI shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.91% yearly.
- 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
- 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.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 10.82, which indicates a very decent valuation of HCI.
- HCI's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 26.94, HCI is valued rather cheaply.
- The Price/Forward Earnings ratio is 10.42, which indicates a very decent 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.
- The average S&P500 Price/Forward Earnings ratio is at 23.94. HCI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.82 | ||
| Fwd PE | 10.42 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, HCI is valued cheaper than 83.89% of the companies in the same industry.
- HCI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HCI is cheaper than 69.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.5 | ||
| EV/EBITDA | 4.04 |
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.
- 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)0.08
PEG (5Y)0.47
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.
- HCI's Dividend Yield is slightly below the industry average, which is at 2.53.
- 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 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.
- 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%
171.68
-4.27 (-2.43%)
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 Cap2.22B
Revenue(TTM)817.27M
Net Income(TTM)195.47M
Analysts82.22
Price Target231.2 (34.67%)
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 | 10.82 | ||
| Fwd PE | 10.42 | ||
| P/S | 2.72 | ||
| P/FCF | 5.5 | ||
| P/OCF | 5.45 | ||
| P/B | 2.71 | ||
| P/tB | 2.72 | ||
| EV/EBITDA | 4.04 |
EPS(TTM)15.87
EY9.24%
EPS(NY)16.47
Fwd EY9.6%
FCF(TTM)31.19
FCFY18.17%
OCF(TTM)31.51
OCFY18.35%
SpS63.06
BVpS63.41
TBVpS63.15
PEG (NY)0.08
PEG (5Y)0.47
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 | 1.89 |
F-Score5
WACC8.47%
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 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 10.82 and the Price/Book (PB) ratio is 2.71.
How financially healthy is HCI GROUP INC?
The financial health rating of HCI GROUP INC (HCI) is 6 / 10.