ORI vs HCI

For growth investors, HCI Group, Inc.

(HCI) is the stronger pick with 20. 2% revenue growth year-over-year, versus 10. 4% for Old Republic International Corporation (ORI). HCI Group, Inc. (HCI) offers the better valuation at 6. 2x trailing P/E (9. 3x forward), making it the more compelling value choice. Analysts rate HCI Group, Inc. (HCI) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, HCI Group, Inc.

(HCI) is the cheapest at 6. 2x versus Old Republic International Corporation at 10. 5x. On forward P/E, HCI Group, Inc. is actually cheaper at 9. 3x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: HCI Group, Inc. wins at 0. 19x versus Old Republic International Corporation's 0. 86x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, HCI Group, Inc.

(HCI) delivered a total return of +110. 5%, compared to +97. 8% for Old Republic International Corporation (ORI). Over 10 years, the gap is even starker: HCI returned +451. 6% versus ORI's +210. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Old Republic International Corporation (ORI) is the lower-risk stock at 0.

14β versus HCI Group, Inc. 's 0. 39β — meaning HCI is approximately 171% more volatile than ORI relative to the S&P 500. On balance sheet safety, HCI Group, Inc. (HCI) carries a lower debt/equity ratio of 6% versus 30% for Old Republic International Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), HCI Group, Inc.

(HCI) is pulling ahead at 20. 2% versus 10. 4% for Old Republic International Corporation (ORI). On earnings-per-share growth, the picture is similar: HCI Group, Inc. grew EPS 179. 8% year-over-year, compared to 15. 1% for Old Republic International Corporation. Over a 3-year CAGR, HCI leads at 22. 3% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

HCI Group, Inc.

(HCI) is the more profitable company, earning 33. 2% net margin versus 10. 3% for Old Republic International Corporation — meaning it keeps 33. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HCI leads at 47. 7% versus 13. 0% for ORI. At the gross margin level — before operating expenses — HCI leads at 73. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, HCI Group, Inc. (HCI) is the more undervalued stock at a PEG of 0. 19x versus Old Republic International Corporation's 0. 86x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, HCI Group, Inc. (HCI) trades at 9. 3x forward P/E versus 12. 7x for Old Republic International Corporation — 3. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ORI: 7. 1% to $42. 00.

All stocks in this comparison pay dividends.

Old Republic International Corporation (ORI) offers the highest yield at 8. 0%, versus 1. 0% for HCI Group, Inc. (HCI).

For long-horizon retirement investors, Old Republic International Corporation (ORI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

14), 8. 0% yield, +210. 5% 10Y return). Both have compounded well over 10 years (ORI: +210. 5%, HCI: +451. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: ORI is a small-cap deep-value stock; HCI is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.