HCI/$HCI
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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
Primary listing
NYSE
Employees
552
Headquarters
Website
HCI Metrics
BasicAdvanced
$2.4B
16.39
$11.47
1.22
$1.60
0.85%
Price and volume
Market cap
$2.4B
Beta
1.22
52-week high
$199.00
52-week low
$105.00
Average daily volume
170K
Dividend rate
$1.60
Financial strength
Current ratio
0.994
Quick ratio
0.689
Long term debt to equity
7.2
Total debt to equity
7.2
Dividend payout ratio (TTM)
12.04%
Interest coverage (TTM)
16.56%
Profitability
EBITDA (TTM)
237.298
Gross margin (TTM)
41.74%
Net profit margin (TTM)
18.58%
Operating margin (TTM)
29.62%
Effective tax rate (TTM)
26.39%
Revenue per employee (TTM)
$1,400,000
Management effectiveness
Return on assets (TTM)
6.73%
Return on equity (TTM)
25.47%
Valuation
Price to earnings (TTM)
16.393
Price to revenue (TTM)
2.5
Price to book
3.21
Price to tangible book (TTM)
3.23
Price to free cash flow (TTM)
4.09
Free cash flow yield (TTM)
24.45%
Free cash flow per share (TTM)
45.989
Dividend yield (TTM)
0.85%
Forward dividend yield
0.85%
Growth
Revenue change (TTM)
9.67%
Earnings per share change (TTM)
-11.83%
3-year revenue growth (CAGR)
18.63%
10-year revenue growth (CAGR)
10.22%
3-year earnings per share growth (CAGR)
92.84%
10-year earnings per share growth (CAGR)
5.61%
10-year dividend per share growth (CAGR)
3.36%
What the Analysts think about HCI
Analyst ratings (Buy, Hold, Sell) for HCI stock.
Bulls say / Bears say
HCI reported Q2 2025 net income after noncontrolling interests of $66.2 million and diluted EPS of $5.18, beating the Zacks consensus estimate of $4.47, highlighting solid earnings momentum.
In Q1 2025, consolidated gross premiums earned jumped 17% year-over-year to $300.4 million, supported by Citizens policy assumptions and reflecting strong revenue growth.
Underwriting profitability improved significantly in Q2 2025, with the gross loss ratio dropping to 21.3% from 29.7% year-over-year, driven by a lower frequency of claims and effective risk management.
Q1 2025 reinsurance costs increased substantially, with premiums ceded rising to $99.6 million from $68.1 million year-over-year, creating margin pressure.
Q2 2025 policy acquisition and underwriting expenses rose to $30.6 million (vs $23.5 million year-over-year), and general and administrative personnel expenses increased to $20.0 million (vs $17.5 million year-over-year), which could compress underwriting margins.
The planned spin-off of Exzeo carries execution and tax risks, as the IRS may not approve a tax-free distribution and management distraction could occur if the IPO does not go as planned.
Data summarised monthly by Lightyear AI. Last updated on 30 Sept 2025.
HCI Financial Performance
Revenues and expenses
HCI Earnings Performance
Company profitability
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for HCI stock?
HCI (HCI) has a market cap of $2.4B as of October 14, 2025.
What is the P/E ratio for HCI stock?
The price to earnings (P/E) ratio for HCI (HCI) stock is 16.39 as of October 14, 2025.
Does HCI stock pay dividends?
Yes, the HCI (HCI) stock pays dividends to shareholders. As of October 14, 2025, the dividend rate is $1.6 and the yield is 0.85%. HCI has a payout ratio of 12.04% on a trailing twelve-month basis.
When is the next HCI dividend payment date?
The next HCI (HCI) dividend payment date is unconfirmed.
What is the beta indicator for HCI?
HCI (HCI) has a beta rating of 1.22. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.