HCI/$HCI
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About HCI
HCI Group Inc is engaged in the property and casualty insurance business through two Florida domiciled insurance companies, Homeowners Choice Property & Casualty Insurance Company (HCPCI) and TypTap Insurance Company (TypTap). Both HCPCI and TypTap are authorized to underwrite various homeowners' property and casualty insurance products and allied lines business in the state of Florida and other states. The operating segments of the group are insurance operations, TypTap Group, reciprocal exchange operations, real estate operations, and corporate and other. It derives key revenue from the HCPCI Insurance operation segment.
- Ticker
- $HCI
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 594
- Headquarters
- Tampa, United States
- Website
- www.hcigroup.com
HCI Metrics
BasicAdvanced
$2.5B
8.53
$23.21
1.02
$1.60
0.81%
Price and volume
Market cap
$2.5B
Beta
1.02
52-week high
$208.80
52-week low
$144.75
Average daily volume
167K
Dividend rate
$1.60
Financial strength
Current ratio
0.865
Quick ratio
0.679
Long term debt to equity
0.057
Total debt to equity
0.057
Dividend payout ratio (TTM)
6.65%
Interest coverage (TTM)
115.24%
Profitability
EBITDA (TTM)
472.418
Gross margin (TTM)
59.73%
Net profit margin (TTM)
32.60%
Operating margin (TTM)
48.96%
Effective tax rate (TTM)
25.41%
Revenue per employee (TTM)
$1,600,000
Management effectiveness
Return on assets (TTM)
11.62%
Return on equity (TTM)
34.97%
Valuation
Price to earnings (TTM)
8.527
Price to revenue (TTM)
2.586
Price to book
2.28
Price to tangible book (TTM)
2.29
Price to free cash flow (TTM)
6.014
Free cash flow yield (TTM)
16.63%
Free cash flow per share (TTM)
32.903
Dividend yield (TTM)
0.81%
Forward dividend yield
0.81%
Growth
Revenue change (TTM)
22.77%
Earnings per share change (TTM)
95.76%
3-year revenue growth (CAGR)
23.96%
10-year revenue growth (CAGR)
14.46%
3-year earnings per share growth (CAGR)
113.92%
10-year earnings per share growth (CAGR)
22.25%
10-year dividend per share growth (CAGR)
2.92%
What the Analysts think about HCI
Analyst ratings (Buy, Hold, Sell) for HCI stock.
Analyst projections of the future price of HCI stock.
Bulls say / Bears say
Pre-tax income rose 18% year on year in Q2 2026, while diluted EPS increased to $5.60 and first-half EPS reached $11.05. The gross loss ratio remained low at 22.2%, supporting the case that HCI is currently underwriting profitably. (SEC)
HCI says its 2026–27 reinsurance programme provides more coverage at a cost more than 10% lower, which management expects to save over $10 million per quarter. If those savings persist, they could support earnings even if premium growth slows. (Investing.com, Insurance Business)
New sales channels could extend growth beyond HCI’s established insurance book: GEICO began selling an HCI product in July, while CORE’s residential business was generating about $6 million a month in new business. These initiatives offer a route to organic growth, although their longer-term contribution is not yet proven. (Investing.com)
HCI remains exposed to costly catastrophe losses, particularly in Florida, even with extensive reinsurance. Its 2026–27 filing estimates $381 million of third-party reinsurance premiums and up to $139.8 million of first-event losses retained through its captive reinsurers. (SEC)
A softer Florida insurance market and competitors’ rate cuts could make it harder to sustain premium growth and underwriting margins. HCI has itself cut Homeowners Choice rates by 3.5%, while the pool of Citizens policies available for insurers to take on has also shrunk sharply. (Finviz, Investing.com)
Underlying claims and operating costs rose faster than premiums in Q2: losses and loss-adjustment expenses increased about 11% against 6% growth in gross premiums earned, and the gross loss ratio edged up from 21.3% to 22.2%. That may put pressure on margins if the trend continues. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 29 Oct 2026.
HCI Financial Performance
Revenues and expenses
HCI Earnings Performance
Company profitability
Upcoming events
HCI News
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Funds containing HCI
Fund name | Fund size | $HCI weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.12% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.12% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.07% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.07% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.04% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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