| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 4/6 |
| Past Performance | 2/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
HCI Stock Overview
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, reinsurance, real estate, and information technology businesses in Florida.
HCI Group Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$66.43 |
| 52 Week High | US$139.80 |
| 52 Week Low | US$53.27 |
| Beta | 0.69 |
| 1 Month Change | -25.95% |
| 3 Month Change | -48.59% |
| 1 Year Change | 21.94% |
| 3 Year Change | 38.89% |
| 5 Year Change | 64.68% |
| Change since IPO | 989.02% |
Recent News & Updates
HCI Group (NYSE:HCI) Has Announced A Dividend Of US$0.40
HCI Group, Inc.'s ( NYSE:HCI ) investors are due to receive a payment of US$0.40 per share on 17th of December. This...
Here's Why We Think HCI Group (NYSE:HCI) Is Well Worth Watching
Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...
Shareholder Returns
| HCI | US Insurance | US Market | |
|---|---|---|---|
| 7D | -17.5% | -1.7% | -3.5% |
| 1Y | 21.9% | 21.2% | 10.2% |
Return vs Industry: HCI underperformed the US Insurance industry which returned 23.5% over the past year.
Return vs Market: HCI exceeded the US Market which returned 13.7% over the past year.
Price Volatility
| HCI volatility | |
|---|---|
| HCI Average Weekly Movement | 6.9% |
| Insurance Industry Average Movement | 4.2% |
| Market Average Movement | 6.6% |
| 10% most volatile stocks in US Market | 15.8% |
| 10% least volatile stocks in US Market | 2.4% |
Stable Share Price: HCI is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: HCI's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2006 | 436 | Paresh Patel | https://hcigroup.com |
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, reinsurance, real estate, and information technology businesses in Florida. It provides residential insurance products, such as homeowners insurance, flood insurance, and wind-only insurance to homeowners, condominium owners, and tenants, as well as offers reinsurance programs. The company also owns and operates waterfront properties and retail shopping centres, and an office building, as well as commercial properties for investment purposes.
HCI Group Fundamentals Summary
| HCI fundamental statistics | |
|---|---|
| Market Cap | US$680.95m |
| Earnings (TTM) | US$4.34m |
| Revenue (TTM) | US$365.91m |
156.9x
P/E Ratio1.9x
P/S RatioIs HCI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HCI income statement (TTM) | |
|---|---|
| Revenue | US$365.91m |
| Cost of Revenue | US$289.11m |
| Gross Profit | US$76.80m |
| Expenses | US$72.46m |
| Earnings | US$4.34m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.42 |
| Gross Margin | 20.99% |
| Net Profit Margin | 1.19% |
| Debt/Equity Ratio | 20.5% |
How did HCI perform over the long term?
See historical performance and comparisonDividends
2.4%
Current Dividend Yield280%
Payout RatioValuation
Is HCI Group undervalued compared to its fair value and its price relative to the market?
156.9x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: HCI ($66.43) is trading above our estimate of fair value ($53.16)
Significantly Below Fair Value: HCI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: HCI is poor value based on its PE Ratio (156.9x) compared to the US Insurance industry average (11.4x).
PE vs Market: HCI is poor value based on its PE Ratio (156.9x) compared to the US market (17.4x).
Price to Earnings Growth Ratio
PEG Ratio: HCI is poor value based on its PEG Ratio (3.1x)
Price to Book Ratio
PB vs Industry: HCI is overvalued based on its PB Ratio (2.3x) compared to the US Insurance industry average (1.2x).
Future Growth
How is HCI Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
51.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HCI's forecast earnings growth (51.4% per year) is above the savings rate (2%).
Earnings vs Market: HCI's earnings (51.4% per year) are forecast to grow faster than the US market (13% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: HCI's revenue (13.9% per year) is forecast to grow faster than the US market (9.3% per year).
High Growth Revenue: HCI's revenue (13.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if HCI's Return on Equity is forecast to be high in 3 years time
Past Performance
How has HCI Group performed over the past 5 years?
3.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HCI has high quality earnings.
Growing Profit Margin: HCI's current net profit margins (1.2%) are lower than last year (11.1%).
Past Earnings Growth Analysis
Earnings Trend: HCI's earnings have grown by 3.7% per year over the past 5 years.
Accelerating Growth: HCI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: HCI had negative earnings growth (-85.4%) over the past year, making it difficult to compare to the Insurance industry average (39.8%).
Return on Equity
High ROE: HCI's Return on Equity (2.2%) is considered low.
Financial Health
How is HCI Group's financial position?
Financial Position Analysis
Short Term Liabilities: HCI's short term assets ($718.5M) exceed its short term liabilities ($581.6M).
Long Term Liabilities: HCI's short term assets ($718.5M) exceed its long term liabilities ($114.3M).
Debt to Equity History and Analysis
Debt Level: HCI has more cash than its total debt.
Reducing Debt: HCI's debt to equity ratio has reduced from 56.6% to 20.5% over the past 5 years.
Debt Coverage: HCI's debt is well covered by operating cash flow (62.1%).
Interest Coverage: HCI's interest payments on its debt are not well covered by EBIT (2.5x coverage).
Balance Sheet
Dividend
What is HCI Group current dividend yield, its reliability and sustainability?
2.41%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HCI's dividend (2.41%) is higher than the bottom 25% of dividend payers in the US market (1.32%).
High Dividend: HCI's dividend (2.41%) is low compared to the top 25% of dividend payers in the US market (3.44%).
Stability and Growth of Payments
Stable Dividend: HCI's dividends per share have been stable in the past 10 years.
Growing Dividend: HCI's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (280%), HCI's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
8.3yrs
Average management tenure
CEO
Paresh Patel (58 yo)
15.17yrs
Tenure
US$5,229,467
Compensation
Mr. Pareshbhai Suryakant Patel, also known as Paresh, is a President, CEO and Chairman of the Board of Directors at TypTap Insurance Group, Inc., since July 2020. He founded HCI Group, Inc. in November 200...
CEO Compensation Analysis
Compensation vs Market: Paresh's total compensation ($USD5.23M) is above average for companies of similar size in the US market ($USD2.31M).
Compensation vs Earnings: Paresh's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: HCI's management team is seasoned and experienced (8.3 years average tenure).
Board Members
Experienced Board: HCI's board of directors are not considered experienced ( 2 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 28.4%.
Top Shareholders
Company Information
HCI Group, Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: HCI Group, Inc.
- Ticker: HCI
- Exchange: NYSE
- Founded: 2006
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: US$680.951m
- Shares outstanding: 10.25m
- Website: https://hcigroup.com
Number of Employees
Location
- HCI Group, Inc.
- 3802 Coconut Palm Drive
- Tampa
- Florida
- 33619
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/19 00:06 |
| End of Day Share Price | 2022/01/18 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
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 here.