A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
HCI Group, Inc.
HCI
$2.3B
Mkt Cap
$178.83
+2.22%
HCI Group, Inc. (HCI) has a current P/E ratio of 7.9, compared to its historical median P/E of 12.1. The stock is currently considered Cheap based on its historical valuation range.
HCI Group, Inc. (HCI) has a 5-year average return on invested capital (ROIC) of 10.8%. This indicates solid capital allocation.
HCI Group, Inc. (HCI) has a market capitalization of $2.3B. It is classified as a mid-cap stock.
Yes, HCI Group, Inc. (HCI) pays a dividend with a trailing twelve-month yield of 0.87%. The company also returns capital through share buybacks, with a buyback yield of 0.80%.
Based on historical P/E analysis, HCI Group, Inc. (HCI) appears cheap. The current P/E of 7.9 is 35% below its historical median of 12.1. The estimated fair value CAGR (P/E method) is 30.1%.
HCI Group, Inc. (HCI) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
HCI Group, Inc. (HCI) reported annual revenue of $901 million in its most recent fiscal year, based on SEC EDGAR filings.
Our Business HCI Group, Inc., together with its subsidiaries (collectively, “we,” “our,” “us,” the “Company,” or “HCI”), is primarily engaged in the property and casualty insurance business. We provide various homeowners’ property and casualty insurance products for properties located in the State of Florida, which is our primary market, as well as in other states in the northeast and southeast regions of the United States (“U.S.”). Our insurance operations are supported by other insurance-related subsidiaries within the consolidated group. Exzeo Group, Inc. (formerly known as TypTap Insurance Group, Inc.) (“Exzeo”), a majority-owned subsidiary, provides turn-key insurance technology and operations solutions based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty insurance ecosystem.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 927M | 901M | 750M | 551M | 500M | 408M |
| Net Income | 291M | 287M | 106M | 76M | -55M | 1.8M |
| EPS | $22.43 | $22.72 | $8.89 | $7.62 | $-6.24 | $0.21 |
| Free Cash Flow | 429M | 441M | 328M | 224M | -6.4M | 93M |
| ROIC | 0.0% | 33.5% | 18.1% | 16.8% | -14.8% | 0.5% |
| Gross Margin | - | 47.7% | 23.1% | 21.4% | -13.7% | 2.8% |
| Debt/Equity | 0.06 | 0.07 | 0.51 | 0.64 | 1.30 | 0.19 |
| Dividends/Share | $1.56 | $1.60 | $1.60 | $1.60 | $1.60 | $1.60 |
| Operating Income | 0 | 429M | 173M | 118M | -68M | 11M |
| Operating Margin | 0.0% | 47.7% | 23.1% | 21.4% | -13.7% | 2.8% |
| ROE | 26.7% | 38.4% | 27.2% | 31.4% | -22.7% | 0.7% |
| Shares Outstanding | 13M | 13M | 12M | 10M | 9M | 9M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 266M | 286M | 264M | 244M | 231M | 242M | 310M | 408M | 500M | 551M | 750M | 901M | 927M |
| Gross Margin | 37.9% | 37.1% | 17.7% | -6.4% | 11.6% | 14.9% | 11.9% | 2.8% | -13.7% | 21.4% | 23.1% | 47.7% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | -41M | -44M | -43M | -40M | -40M | -47M | -51M | 11M | -68M | 118M | 173M | 429M | 0 |
| Op. Margin | -15.4% | -15.5% | -16.1% | -16.4% | -17.5% | -19.4% | -16.4% | 2.8% | -13.7% | 21.4% | 23.1% | 47.7% | 0.0% |
| Net Income | 63M | 66M | 29M | -6.9M | 18M | 25M | 26M | 1.8M | -55M | 76M | 106M | 287M | 291M |
| Net Margin | 23.5% | 23.0% | 11.0% | -2.8% | 8.0% | 10.4% | 8.4% | 0.4% | -11.0% | 13.9% | 14.1% | 31.9% | 31.3% |
| Non-Recurring | 4.8M | 5.3M | 388K | 38K | 0 | 0 | 0 | 21K | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 20.9% | 19.4% | 7.7% | -1.7% | 4.3% | 6.4% | 7.4% | 0.5% | -14.8% | 16.8% | 18.1% | 33.5% | 0.0% |
| ROE | 36.5% | 31.3% | 12.1% | -3.1% | 9.8% | 13.7% | 13.5% | 0.7% | -22.7% | 31.4% | 27.2% | 38.4% | 26.7% |
| ROA | 11.1% | 10.7% | 4.4% | -0.9% | 2.2% | 3.1% | 3.0% | 0.2% | -3.7% | 4.2% | 5.2% | 12.1% | 11.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 89M | 45M | 88M | 17M | 29M | 54M | 77M | 97M | -12K | 231M | 332M | 444M | 431M |
| Free Cash Flow | 88M | 44M | 87M | 14M | 26M | 51M | 71M | 93M | -6.4M | 224M | 328M | 441M | 429M |
| Owner Earnings | 79M | 39M | 83M | 11M | 23M | 46M | 67M | 81M | -28M | 204M | 315M | 427M | 396M |
| CapEx | 453K | 840K | 865K | 2.3M | 2.2M | 2.9M | 6.4M | 3.3M | 6.3M | 6.5M | 4.1M | 3.6M | 2.2M |
| Maint. CapEx | 1.3M | 1.3M | 1.3M | 1.2M | 1.4M | 1.6M | 1.9M | 2.2M | 13M | 17M | 6.2M | 6.6M | 24M |
| Growth CapEx | 0 | 0 | 0 | 1.1M | 818K | 1.3M | 4.6M | 1.1M | 0 | 0 | 0 | 0 | 0 |
| D&A | 1.3M | 1.3M | 1.3M | 1.2M | 1.4M | 1.6M | 1.9M | 2.2M | 13M | 17M | 6.2M | 6.6M | 24M |
| CapEx/OCF | 0.5% | 1.9% | 1.0% | 14.1% | 7.6% | 5.3% | 8.3% | 3.4% | N/A | 2.8% | 1.2% | 0.8% | 0.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 12M | 12M | 12M | 14M | 11M | 13M | 13M | 14M | 15M | 14M | 17M | 19M | 20M |
| Dividend Yield | 3.5% | 3.5% | 5.2% | 4.6% | 4.1% | 4.6% | 4.1% | 1.9% | 3.2% | 2.4% | 1.4% | 1.0% | 0.9% |
| Share Buybacks | 643K | 792K | 464K | 31M | 1.2M | 1.2M | 1.5M | 1.3M | 71M | 784K | 1.0M | 1.5M | 18M |
| Buyback Yield | 0.2% | 0.3% | 0.2% | 13.9% | 0.4% | 0.4% | 0.4% | 0.2% | 20.9% | 0.1% | 0.1% | 0.1% | 0.8% |
| Stock-Based Comp | 8.1M | 5.2M | 4.2M | 4.5M | 4.6M | 6.5M | 8.1M | 14M | 15M | 9.3M | 10M | 11M | 11M |
| Debt Repayment | 234K | 0 | 455K | 974K | 1.1M | 459K | 165K | 152K | 6.0M | 378K | 99K | 538K | 538K |
| Balance Sheet | |||||||||||||
| Net Debt | -282M | -263M | -298M | -246M | -56M | -259M | -323M | -611M | -507M | -711M | -1.0B | -1.7B | -1.9B |
| Cash & Equiv. | 314M | 268M | 281M | 256M | 239M | 229M | 431M | 629M | 235M | 536M | 532M | 1.2B | 1.9B |
| Long-Term Debt | 130M | 129M | 139M | 238M | 250M | 164M | 157M | 46M | 212M | 208M | 185M | 32M | 32M |
| Debt/Equity | 0.71 | 0.54 | 0.61 | 1.27 | 1.38 | 0.93 | 0.90 | 0.19 | 1.30 | 0.64 | 0.51 | 0.07 | 0.06 |
| Interest Coverage | -3.9 | -4.1 | -3.9 | -2.4 | -2.2 | -3.6 | -4.3 | 1.8 | -8.8 | 784.3 | 86713.5 | 46.9 | 46.9 |
| Equity | 183M | 238M | 244M | 194M | 181M | 186M | 201M | 323M | 163M | 325M | 453M | 1.0B | 1.1B |
| Total Assets | 599M | 637M | 670M | 842M | 833M | 803M | 941M | 1.2B | 1.8B | 1.8B | 2.2B | 2.5B | 2.6B |
| Total Liabilities | 416M | 399M | 426M | 648M | 651M | 617M | 740M | 762M | 1.5B | 1.4B | 1.8B | 1.4B | 1.4B |
| Intangibles | N/A | N/A | 4.9M | 5.0M | 4.8M | 4.2M | 3.6M | 11M | 11M | 7.7M | 5.2M | 2.7M | 2.2M |
| Retained Earnings | 161M | 216M | 233M | 189M | 183M | 183M | 200M | 247M | 172M | 238M | 332M | 612M | 680M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 5.36 | 5.90 | 2.92 | -0.75 | 2.34 | 3.31 | 3.49 | 0.21 | -6.24 | 7.62 | 8.89 | 22.72 | 22.43 |
| Owner EPS | 6.78 | 3.47 | 8.33 | 1.18 | 2.87 | 6.06 | 9.00 | 9.24 | -3.20 | 20.38 | 26.49 | 33.79 | 30.66 |
| Book Value | 15.62 | 21.30 | 24.52 | 21.11 | 23.02 | 24.44 | 26.88 | 37.07 | 18.43 | 32.40 | 38.08 | 82.43 | 84.41 |
| Cash Flow/Share | 7.59 | 4.06 | 8.88 | 1.81 | 3.63 | 7.12 | 10.33 | 11.06 | -0.00 | 23.00 | 27.87 | 35.19 | 24.41 |
| Dividends/Share | 1.10 | 1.20 | 1.20 | 1.40 | 1.48 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.56 |
| Shares Out. | 11.7M | 11.2M | 9.9M | 9.2M | 7.9M | 7.6M | 7.5M | 8.7M | 8.8M | 10.0M | 11.9M | 12.6M | 12.9M |
| Valuation | |||||||||||||
| P/E Ratio | 6.3 | 4.5 | 10.2 | N/A | 18.3 | 12.1 | 13.4 | 380.9 | N/A | 11.0 | 13.0 | 8.4 | 8.0 |
| P/FCF | 4.5 | 6.7 | 3.4 | 15.5 | 12.8 | 5.9 | 4.9 | 7.5 | N/A | 3.7 | 4.2 | 5.5 | 5.4 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 2.2 | 1.2 | 1.2 | 1.1 | 1.8 | 1.7 | 1.8 | 2.2 | 2.1 | 2.7 | 3.2 | 2.4 | 2.1 |
| Price/Sales | 1.3 | 1.2 | 0.9 | 1.2 | 1.1 | 1.2 | 1.1 | 1.8 | 1.0 | 1.1 | 1.7 | 2.3 | 2.5 |
| FCF Yield | 22.4% | 15.0% | 29.6% | 6.4% | 8.2% | 15.9% | 19.2% | 13.2% | -1.9% | 25.8% | 22.9% | 17.5% | 18.6% |
| Market Cap | 394M | 296M | 296M | 222M | 324M | 321M | 370M | 707M | 341M | 868M | 1.4B | 2.5B | 2.3B |
| Avg. Price | 30.27 | 31.92 | 24.14 | 32.60 | 34.65 | 36.98 | 41.62 | 83.10 | 53.52 | 56.18 | 100.54 | 155.39 | 178.83 |
| Year-End Price | 33.72 | 26.52 | 29.76 | 24.12 | 42.74 | 39.99 | 46.78 | 79.99 | 36.40 | 83.67 | 115.87 | 191.57 | 178.83 |
HCI Group, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
HCI Group, Inc. trades at 7.9x trailing earnings, compared to its 15-year median P/E of 12.1x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 5.3x vs a median of 5.5x. The company's 5-year average ROIC is 10.8% with a gross margin of 16.2%. Total shareholder yield (dividends + buybacks) is 1.7%. At current prices, the estimated annualized return to fair value is +30.8%.
HCI Group, Inc. (HCI) has a net profit margin of 31.9%. This is a strong margin indicating high profitability.
HCI Group, Inc. (HCI) generated $441 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HCI Group, Inc. (HCI) has a debt-to-equity ratio of 0.07. This indicates a conservatively financed balance sheet.
HCI Group, Inc. (HCI) reported earnings per share (EPS) of $22.72 in its most recent fiscal year.
HCI Group, Inc. (HCI) has a return on equity (ROE) of 38.4%. This indicates the company generates strong returns for shareholders.
HCI Group, Inc. (HCI) has a 5-year average gross margin of 16.2%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 15 years of financial data for HCI Group, Inc. (HCI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HCI Group, Inc. (HCI) has a book value per share of $82.43, based on its most recent annual SEC filing.