HCI Group (HCI) Stock Overview
Engages in the property and casualty insurance business in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 6/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
HCI Community Fair Values
Create NarrativeSee what 42 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
US$138.75
FV
30.1% overvalued intrinsic discount23.40%
Revenue growth p.a.
106
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HCI Group, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$180.46 |
| 52 Week High | US$210.50 |
| 52 Week Low | US$136.37 |
| Beta | 1.05 |
| 1 Month Change | 17.13% |
| 3 Month Change | 16.27% |
| 1 Year Change | 19.44% |
| 3 Year Change | 192.10% |
| 5 Year Change | 86.70% |
| Change since IPO | 2,858.36% |
Recent News & Updates
Narrative Update • Jun 11
HCI: Share Repurchases And Reinsurance Program Will Support Future Upside
Analysts now hold HCI Group's fair value steady at $245, citing unchanged assumptions around the discount rate, revenue growth, profit margin, and future P/E. These factors together keep their price target view intact.Narrative Update • May 28
HCI: Share Repurchases Will Support Future Upside Despite More Cautious Assumptions
Analysts have kept their $245.00 price target for HCI Group unchanged, highlighting updated assumptions that now reflect a 7.11% discount rate, 4.85% revenue growth, an 18.46% profit margin, and an 18.31x future P/E as key drivers behind their valuation stance. What's in the News On March 3, 2026, HCI Group, Inc.Recent updates
Narrative Update • Jun 11
HCI: Share Repurchases And Reinsurance Program Will Support Future Upside
Analysts now hold HCI Group's fair value steady at $245, citing unchanged assumptions around the discount rate, revenue growth, profit margin, and future P/E. These factors together keep their price target view intact.Narrative Update • May 28
HCI: Share Repurchases Will Support Future Upside Despite More Cautious Assumptions
Analysts have kept their $245.00 price target for HCI Group unchanged, highlighting updated assumptions that now reflect a 7.11% discount rate, 4.85% revenue growth, an 18.46% profit margin, and an 18.31x future P/E as key drivers behind their valuation stance. What's in the News On March 3, 2026, HCI Group, Inc.Seeking Alpha • May 16
HCI Group: Synchrony In Fundamentals And Valuation Ensures Security
Summary HCI Group, Inc. remains fundamentally strong despite recent stock price weakness and bearish technicals, presenting new buying opportunities. HCI delivered Q1 2026 operating revenue of $242.9M, up 12.2% YoY, with stable operating margins and resilient pricing power. Key risks include high Florida concentration, inflationary pressures, and a soft housing market, but disciplined underwriting and robust liquidity mitigate these concerns. Technological advancements through Exzeo and $2B+ in cash and liquid investments support HCI’s operational resilience and potential for future growth. Read the full article on Seeking AlphaNarrative Update • Apr 28
HCI: Share Repurchase Plan And Higher P/E Assumptions Will Support Future Upside
Analysts have kept their $245.00 price target for HCI Group unchanged, making only slight tweaks to profit margin and forward P/E assumptions that guide the updated view. What's in the News The Board of Directors of HCI Group, Inc.Narrative Update • Apr 11
HCI: Share Repurchase Plan And Steady Assumptions Will Support Future Upside
Analysts have held their price target for HCI Group steady at $245.00. This reflects updated views on discount rate, revenue growth, profit margin and future P/E that leave their overall valuation stance unchanged.Narrative Update • Mar 28
HCI: New Share Buyback Authorization Will Support Future Upside Potential
Analysts have maintained their HCI Group price target at $245.00, indicating that their assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E in updated models remain largely unchanged. What's in the News Board of Directors authorizes a new share buyback plan for HCI Group, Inc.Narrative Update • Mar 09
HCI: Share Buybacks Will Support Upside Despite More Cautious Assumptions
Analysts have maintained their $245.00 price target on HCI Group, with updated assumptions that now reflect a revenue growth outlook of 8.85%, a profit margin of 18.73% and a future P/E of 20.68x, supported by a consistent discount rate of 6.98%. What's in the News The Board of Directors authorized a new share buyback plan for HCI Group, Inc.Narrative Update • Feb 23
HCI: Steady Assumptions And Undervalued Pricing Will Support Further Upside
Analysts have kept their HCI Group price target steady at $245.00, reflecting unchanged assumptions around discount rate, revenue growth, profit margins, and future P/E multiples. Valuation Changes Fair Value: Model fair value remains at $245.00, with no change from the prior estimate.Narrative Update • Feb 06
HCI: Stable Fair Value And P/E Assumptions Will Support Further Upside
Analysts have kept their HCI Group fair value estimate steady at $245.00, with only very small model tweaks to the discount rate, revenue growth, profit margin and future P/E assumptions behind their updated target price rationale. Valuation Changes Fair Value: Kept steady at $245.00, indicating no change in the overall target level.Analysis Article • Feb 05
HCI Group (NYSE:HCI) Has Announced A Dividend Of $0.40
The board of HCI Group, Inc. ( NYSE:HCI ) has announced that it will pay a dividend on the 20th of March, with...Narrative Update • Jan 23
HCI: Higher Assumed P/E Will Support Future Share Price Upside
Analysts now put their price target for HCI Group at $245, up from $234, citing updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E to refine their view on the stock. Valuation Changes Fair Value: Target fair value has been raised from $234 to $245, representing a modest upward adjustment in the modelled price level.Narrative Update • Jan 08
HCI: Steady Cash Flow Assumptions Will Support Future Share Price Upside
Analysts have kept their HCI Group fair value estimate steady at $234, with only minimal tweaks to inputs such as the discount rate, revenue growth, profit margin and future P/E assumptions. This signals that their overall view on the stock's valuation is essentially unchanged.Narrative Update • Dec 22
HCI: Future Earnings Power Will Support Stronger Share Price Upside
Analysts have made a modest upward revision to their price target on HCI Group, now seeing fair value at approximately 234 dollars per share. This reflects fine tuned assumptions around discount rates, revenue growth, profit margins, and future earnings multiples.Narrative Update • Dec 08
HCI: Future Margin Expansion Will Support Stronger Share Price Upside
Analysts have modestly raised their price target on HCI Group to approximately $234 from about $232, citing expectations for stronger revenue growth, improving profit margins, and a slightly lower valuation multiple outlook. Valuation Changes The fair value estimate has risen slightly from about $232 to approximately $234 per share.Narrative Update • Nov 24
HCI: Future Profit Margin Improvement Will Drive Share Price Upside
Analysts have raised their price target for HCI Group from $213.75 to $231.67, citing improved profit margin projections and incremental adjustments to growth and risk assumptions. Valuation Changes Fair Value: Increased from $213.75 to $231.67.Narrative Update • Nov 08
HCI: Upward Price Potential Expected Amid Updated Financial Forecasts
Analysts have revised HCI Group's fair value target upward from $202.50 to $213.75 per share, citing updated assumptions in their financial forecasts. Valuation Changes Fair Value per share increased from $202.50 to $213.75, reflecting an updated assessment of the company's prospects.Analysis Article • Oct 28
HCI Group (NYSE:HCI) Will Pay A Dividend Of $0.40
The board of HCI Group, Inc. ( NYSE:HCI ) has announced that it will pay a dividend on the 19th of December, with...Analysis Article • Jul 15
HCI Group (NYSE:HCI) Is Paying Out A Dividend Of $0.40
HCI Group, Inc.'s ( NYSE:HCI ) investors are due to receive a payment of $0.40 per share on 19th of September...Analysis Article • Feb 08
HCI Group (NYSE:HCI) Will Pay A Dividend Of $0.40
The board of HCI Group, Inc. ( NYSE:HCI ) has announced that it will pay a dividend on the 21st of March, with...Analysis Article • Jan 16
Lacklustre Performance Is Driving HCI Group, Inc.'s (NYSE:HCI) Low P/E
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 19x, you may...Analysis Article • Dec 25
If EPS Growth Is Important To You, HCI Group (NYSE:HCI) Presents An Opportunity
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Analysis Article • Nov 09
HCI Group (NYSE:HCI) Is Due To Pay A Dividend Of $0.40
HCI Group, Inc. ( NYSE:HCI ) has announced that it will pay a dividend of $0.40 per share on the 20th of December...
New Narrative • Sep 16
A Balancing Act For Future Prosperity And Challenges
HCI Group's expansion and strategic policy acquisitions hint at a promising growth trajectory, impacting future revenues and market positions positively.Analysis Article • Sep 10
It's A Story Of Risk Vs Reward With HCI Group, Inc. (NYSE:HCI)
It's not a stretch to say that HCI Group, Inc.'s ( NYSE:HCI ) price-to-sales (or "P/S") ratio of 1.5x right now seems...Seeking Alpha • Aug 25
HCI Group: A Tech-Driven Home Run In Florida's Insurance Market
Summary HCI Group Inc. is a Tampa-based holding company overseeing operations in homeowners insurance, reinsurance, real estate, and IT. HCI Group's strong financial performance includes beating earnings expectations, significant revenue growth, and improved underwriting results due to advanced technology. HCI Group is undervalued with significant upside potential, showing strong profitability and growth prospects despite risks tied to operations in hurricane-prone Florida. Read the full article on Seeking AlphaSeeking Alpha • Jun 03
HCI Group: A Growth Stock Trading At Reasonable Levels In The P&C Insurance Industry
Summary HCI Group has seen strong growth in written premiums and earnings, with in-force premiums reaching $1 billion in Q1 2024. The company has improved operational efficiency and experienced significant growth in net income and diluted EPS. HCI sees a positive outlook for the insurance industry and is expected to continue expanding its business and benefiting from market conditions. Read the full article on Seeking AlphaAnalysis Article • May 10
Revenues Tell The Story For HCI Group, Inc. (NYSE:HCI)
When close to half the companies in the Insurance industry in the United States have price-to-sales ratios (or "P/S...Shareholder Returns
| HCI | US Insurance | US Market | |
|---|---|---|---|
| 7D | 10.3% | 4.7% | -2.6% |
| 1Y | 19.4% | -1.1% | 20.0% |
Return vs Industry: HCI exceeded the US Insurance industry which returned -1.1% over the past year.
Return vs Market: HCI matched the US Market which returned 20% over the past year.
Price Volatility
| HCI volatility | |
|---|---|
| HCI Average Weekly Movement | 3.8% |
| Insurance Industry Average Movement | 4.2% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: HCI has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: HCI's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2006 | 594 | Paresh Patel | www.hcigroup.com |
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments. It provides homeowners’ property and casualty insurance products; claim adjusting and processing services; turnkey insurance technology and operations solutions to property and casualty insurance carriers and its agents through the Exzeo platform; and SAMSTM, a web-based system designed to automate and streamline the process of managing insurance policies.
HCI Group, Inc. Fundamentals Summary
| HCI fundamental statistics | |
|---|---|
| Market cap | US$2.30b |
| Earnings (TTM) | US$290.54m |
| Revenue (TTM) | US$927.40m |
7.9x
P/E Ratio2.5x
P/S RatioIs HCI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HCI income statement (TTM) | |
|---|---|
| Revenue | US$927.40m |
| Cost of Revenue | US$375.05m |
| Gross Profit | US$552.35m |
| Other Expenses | US$261.82m |
| Earnings | US$290.54m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 22.76 |
| Gross Margin | 59.56% |
| Net Profit Margin | 31.33% |
| Debt/Equity Ratio | 5.7% |
How did HCI perform over the long term?
See historical performance and comparisonDividends
0.9%
Current Dividend Yield7%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/28 02:50 |
| End of Day Share Price | 2026/06/26 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
HCI Group, Inc. is covered by 8 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Matthew Carletti | Citizens JMP Securities, LLC |
| Casey Alexander | Ladenburg Thalmann & Company |
| Michael Phillips | Oppenheimer & Co. Inc. |