HCI GROUP INC (HCI) Fundamental Analysis & Valuation

NYSE:HCI • US40416E1038

Current stock price

152.3 USD
-1.27 (-0.83%)
At close:
152.3 USD
0 (0%)
After Hours:

This HCI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. HCI Profitability Analysis

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.
  • 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 2025 0 100M 200M 300M 400M

1.2 Ratios

  • HCI has a Return On Assets of 11.34%. This is amongst the best in the industry. HCI outperforms 95.92% of its industry peers.
  • HCI has a Return On Equity of 27.56%. This is amongst the best in the industry. HCI outperforms 90.48% of its industry peers.
  • HCI has a Return On Invested Capital of 13.01%. This is amongst the best in the industry. HCI outperforms 93.88% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for HCI is in line with the industry average of 9.60%.
  • The 3 year average ROIC (8.17%) for HCI is below the current ROIC(13.01%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 11.34%
ROE 27.56%
ROIC 13.01%
ROA(3y)6.77%
ROA(5y)3.48%
ROE(3y)24.81%
ROE(5y)8.23%
ROIC(3y)8.17%
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 2025 0 20 -20

1.3 Margins

  • HCI's Profit Margin of 31.85% is amongst the best of the industry. HCI outperforms 93.88% of its industry peers.
  • In the last couple of years the Profit Margin of HCI has grown nicely.
  • With an excellent Operating Margin value of 48.66%, HCI belongs to the best of the industry, outperforming 97.96% of the companies in the same industry.
  • HCI's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 48.66%
PM (TTM) 31.85%
GM N/A
OM growth 3YN/A
OM growth 5Y62.08%
PM growth 3YN/A
PM growth 5Y27.26%
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 2025 0 10 -10 20 30 40

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4

2. HCI Health Analysis

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 2025 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 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • HCI has a debt to FCF ratio of 0.15. This is a very positive value and a sign of high solvency as it would only need 0.15 years to pay back of all of its debts.
  • HCI has a Debt to FCF ratio of 0.15. This is amongst the best in the industry. HCI outperforms 91.84% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that HCI is not too dependend on debt financing.
  • HCI has a better Debt to Equity ratio (0.07) than 78.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.15
Altman-Z N/A
ROIC/WACC1.51
WACC8.63%
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 2025 0 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
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 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. HCI Growth Analysis

3.1 Past

  • HCI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 175.58%, 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 49.20% on average per year.
  • The Revenue has grown by 20.10% in the past year. This is a very strong growth!
  • The Revenue has been growing by 26.92% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)175.58%
EPS 3YN/A
EPS 5Y49.2%
EPS Q2Q%2561.29%
Revenue 1Y (TTM)20.1%
Revenue growth 3Y21.72%
Revenue growth 5Y26.92%
Sales Q2Q%52.34%

3.2 Future

  • Based on estimates for the next years, HCI will show a decrease in Earnings Per Share. The EPS will decrease by -2.50% on average per year.
  • HCI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.39% yearly.
EPS Next Y-27.99%
EPS Next 2Y-13.16%
EPS Next 3Y-6.34%
EPS Next 5Y-2.5%
Revenue Next Year13.17%
Revenue Next 2Y10.39%
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 decreasing.
  • 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.
HCI Yearly Revenue VS EstimatesHCI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
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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6

4. HCI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.40 indicates a rather cheap valuation of HCI.
  • Based on the Price/Earnings ratio, HCI is valued a bit cheaper than the industry average as 73.47% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.64. HCI is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.88, the valuation of HCI can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HCI indicates a somewhat cheap valuation: HCI is cheaper than 64.63% of the companies listed in the same industry.
  • HCI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.36.
Industry RankSector Rank
PE 6.4
Fwd PE 8.88
HCI Price Earnings VS Forward Price EarningsHCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 91.16% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, HCI is valued a bit cheaper than the industry average as 70.75% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.49
EV/EBITDA 1.82
HCI Per share dataHCI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The decent profitability rating of HCI may justify a higher PE ratio.
  • A cheap valuation may be justified as HCI's earnings are expected to decrease with -6.34% in the coming years.
PEG (NY)N/A
PEG (5Y)0.13
EPS Next 2Y-13.16%
EPS Next 3Y-6.34%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. HCI Dividend Analysis

5.1 Amount

  • HCI has a Yearly Dividend Yield of 1.04%.
  • HCI's Dividend Yield is slightly below the industry average, which is at 2.37.
  • Compared to an average S&P500 Dividend Yield of 1.82, HCI's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.04%

5.2 History

  • The dividend of HCI decreases each year by -0.06%.
  • 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)-0.06%
Div Incr Years0
Div Non Decr Years15
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

  • 6.72% of the earnings are spent on dividend by HCI. This is a low number and sustainable payout ratio.
  • The Dividend Rate of HCI has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP6.72%
EPS Next 2Y-13.16%
EPS Next 3Y-6.34%
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 2025 0 100M 200M 300M 400M
HCI Dividend Payout.HCI Dividend Payout, showing the Payout Ratio.HCI Dividend Payout.PayoutRetained Earnings

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HCI Fundamentals: All Metrics, Ratios and Statistics

HCI GROUP INC

NYSE:HCI (5/1/2026, 8:04:00 PM)

After market: 152.3 0 (0%)

152.3

-1.27 (-0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength36.02
Industry Growth89.44
Earnings (Last)02-25
Earnings (Next)05-06
Inst Owners81.25%
Inst Owner Change-0.01%
Ins Owners14.42%
Ins Owner Change3.9%
Market Cap1.98B
Revenue(TTM)900.82M
Net Income(TTM)286.89M
Analysts80
Price Target231.2 (51.81%)
Short Float %2.56%
Short Ratio1.7
Dividend
Industry RankSector Rank
Dividend Yield 1.04%
Yearly Dividend1.62
Dividend Growth(5Y)-0.06%
DP6.72%
Div Incr Years0
Div Non Decr Years15
Ex-Date02-20
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)92.14%
Min EPS beat(2)70.04%
Max EPS beat(2)114.24%
EPS beat(4)4
Avg EPS beat(4)50.76%
Min EPS beat(4)7.78%
Max EPS beat(4)114.24%
EPS beat(8)8
Avg EPS beat(8)54.62%
EPS beat(12)12
Avg EPS beat(12)230.11%
EPS beat(16)15
Avg EPS beat(16)163.12%
Revenue beat(2)1
Avg Revenue beat(2)3.73%
Min Revenue beat(2)-1.48%
Max Revenue beat(2)8.94%
Revenue beat(4)2
Avg Revenue beat(4)1.88%
Min Revenue beat(4)-1.48%
Max Revenue beat(4)8.94%
Revenue beat(8)4
Avg Revenue beat(8)0.86%
Revenue beat(12)8
Avg Revenue beat(12)2.57%
Revenue beat(16)10
Avg Revenue beat(16)7.55%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)1.28%
EPS NQ rev (3m)6.94%
EPS NY rev (1m)0%
EPS NY rev (3m)4.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.93%
Valuation
Industry RankSector Rank
PE 6.4
Fwd PE 8.88
P/S 2.2
P/FCF 4.49
P/OCF 4.45
P/B 1.9
P/tB 1.91
EV/EBITDA 1.82
EPS(TTM)23.81
EY15.63%
EPS(NY)17.14
Fwd EY11.26%
FCF(TTM)33.94
FCFY22.28%
OCF(TTM)34.21
OCFY22.47%
SpS69.35
BVpS80.14
TBVpS79.94
PEG (NY)N/A
PEG (5Y)0.13
Graham Number207.209 (36.05%)
Profitability
Industry RankSector Rank
ROA 11.34%
ROE 27.56%
ROCE 17.81%
ROIC 13.01%
ROICexc 25.24%
ROICexgc 35.45%
OM 48.66%
PM (TTM) 31.85%
GM N/A
FCFM 48.93%
ROA(3y)6.77%
ROA(5y)3.48%
ROE(3y)24.81%
ROE(5y)8.23%
ROIC(3y)8.17%
ROIC(5y)N/A
ROICexc(3y)13.68%
ROICexc(5y)N/A
ROICexgc(3y)20.5%
ROICexgc(5y)N/A
ROCE(3y)11.17%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y68.32%
ROICexc growth 3YN/A
ROICexc growth 5Y69.2%
OM growth 3YN/A
OM growth 5Y62.08%
PM growth 3YN/A
PM growth 5Y27.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.15
Debt/EBITDA 0.15
Cap/Depr 32.39%
Cap/Sales 0.4%
Interest Coverage 77.12
Cash Conversion 98.86%
Profit Quality 153.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC8.63%
ROIC/WACC1.51
Cap/Depr(3y)68.7%
Cap/Depr(5y)69.01%
Cap/Sales(3y)0.71%
Cap/Sales(5y)0.84%
Profit Quality(3y)252.22%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)175.58%
EPS 3YN/A
EPS 5Y49.2%
EPS Q2Q%2561.29%
EPS Next Y-27.99%
EPS Next 2Y-13.16%
EPS Next 3Y-6.34%
EPS Next 5Y-2.5%
Revenue 1Y (TTM)20.1%
Revenue growth 3Y21.72%
Revenue growth 5Y26.92%
Sales Q2Q%52.34%
Revenue Next Year13.17%
Revenue Next 2Y10.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y67.27%
EBIT growth 3YN/A
EBIT growth 5Y105.71%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y34.49%
FCF growth 3YN/A
FCF growth 5Y44.12%
OCF growth 1Y33.94%
OCF growth 3YN/A
OCF growth 5Y41.88%

HCI GROUP INC / HCI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for HCI GROUP INC?

ChartMill assigns a fundamental rating of 6 / 10 to HCI.


What is the valuation status for HCI stock?

ChartMill assigns a valuation rating of 6 / 10 to HCI GROUP INC (HCI). This can be considered as Fairly Valued.


Can you provide the profitability details for HCI GROUP INC?

HCI GROUP INC (HCI) has a profitability rating of 7 / 10.


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 decline by -27.99% in the next year.


Can you provide the dividend sustainability for HCI stock?

The dividend rating of HCI GROUP INC (HCI) is 4 / 10 and the dividend payout ratio is 6.72%.