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HCIHCI Group, Inc.
$163.63$2.1B
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HCI logoHCI Group, Inc.(HCI)Earnings, Financials & Key Ratios

HCI•NYSE•Insurance & Managed Care
6.6× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryProperty catastrophe and specialty property insurers
AboutHCI 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, fire, flood, and wind-only insurance to homeowners, condominium owners, and tenants for properties, as well as offers reinsurance programs. The company also owns and operates waterfront properties and retail shopping centers, and an office building, as well as commercial properties for investment purposes. In addition, it designs and develops web-based applications and products for mobile devices, including SAMS, an online policy administration platform; Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; and AtlasViewer, a mapping and data visualization platform. The company was formerly known as Homeowners Choice, Inc. and changed its name to HCI Group, Inc. in May 2013. HCI Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.Show more
  • Revenue$901M+20.2%
  • Combined Ratio52.35%-31.9%
  • Net Income$299M+171.9%
  • Return on Equity37.76%+53.2%
  • Medical Cost Ratio26.84%-57.6%
  • Operating Margin47.65%+105.9%
  • Net Margin33.19%+126.2%
  • ROA12.57%+130.9%
  • Equity / Assets44.08%+109.6%

HCI Key Insights

HCI Group, Inc. (HCI) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Profitable underwriting: 52.3% combined ratio
  • ✓Excellent 3Y average ROE of 28.6%
  • ✓Strong 5Y profit CAGR of 61.1%
  • ✓Strong Piotroski F-Score: 8/9
  • ✓Low loss ratio of 26.8%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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HCI Price & Volume

HCI Group, Inc. (HCI) stock price & volume — 10-year historical chart

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HCI Growth Metrics

HCI Group, Inc. (HCI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years12.16%
5 Years26.72%
3 Years22.34%
TTM22.02%

Profit CAGR

10 Years16.33%
5 Years61.07%
3 Years-
TTM129.29%

EPS CAGR

10 Years15.47%
5 Years48.11%
3 Years-
TTM143.06%

Return on Capital

10 Years6.97%
5 Years10.54%
3 Years18.76%
Last Year40.56%

HCI Recent Earnings

HCI Group, Inc. (HCI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
May 6, 2026
Metric
Actual
Est
EPS
$5.45+6.2%
$5.13
Rev
$243M-0.9%
$245M
Q1 2026
Feb 25, 2026
Metric
Actual
Est
EPS
$7.25+48.9%
$4.87
Rev
$246M+6.0%
$232M
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$4.90+100.8%
$2.44
Rev
$216M-6.9%
$232M
Q3 2025
Aug 7, 2025
Metric
Actual
Est
EPS
$5.18+15.9%
$4.47
Rev
$222M-0.4%
$223M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 6, 2026
$5.45vs $5.13+6.2%
$243Mvs $245M-0.9%
Q1 2026Feb 25, 2026
$7.25vs $4.87+48.9%
$246Mvs $232M+6.0%
Q4 2025Nov 6, 2025
$4.90vs $2.44+100.8%
$216Mvs $232M-6.9%
Q3 2025Aug 7, 2025
$5.18vs $4.47+15.9%
$222Mvs $223M-0.4%
Based on last 12 quarters of dataView full earnings history →

HCI Peer Comparison

HCI Group, Inc. (HCI) competitors in Property catastrophe and specialty property insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
UPC logoUPCUniverse Pharmaceuticals Inc.Direct Competitor1.66M2.95-0.00-22.44%-30.33%-27.02%0.16
HRTG logoHRTGHeritage Insurance Holdings, Inc.Direct Competitor706.24M23.273.683.71%25.99%43.68%0.20
FG logoFGF&G Annuities & Life, Inc.Product Competitor3.73B27.4914.625.72%9.11%11.15%0.45
KINS logoKINSKingstone Companies, Inc.Product Competitor235.38M16.255.6428.39%14.91%0.11%0.04
PLMR logoPLMRPalomar Holdings, Inc.Product Competitor2.96B111.7015.5858.16%20.15%21.74%0.01
NODK logoNODKNI Holdings, Inc.Product Competitor325.86M15.91-31.82-12.35%-1.6%-1.79%
ACGL logoACGLArch Capital Group Ltd.Product Competitor32.48B91.187.8514.27%22.07%19.02%0.11
RNR logoRNRRenaissanceRe Holdings Ltd.Supply Chain12.91B299.175.289.45%26.93%16.59%0.12

Compare HCI vs Peers

HCI Group, Inc. (HCI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs UPC

Most directly comparable listed peer for HCI.

Scale Benchmark

vs ALL

Larger-name benchmark to compare HCI against a more recognizable public peer.

Peer Set

Compare Top 5

vs UPC, HRTG, FG, KINS

HCI Income Statement

HCI Group, Inc. (HCI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
244.41M231.29M241.38M275.73M402.55M491.99M550.01M749.45M900.95M927.48M
Revenue Growth %
-5.35%-5.37%4.36%14.23%45.99%22.22%11.79%36.26%20.21%22.02%
Medical Costs & Claims
205.29M148.27M150.01M213.9M321.26M476.44M345.4M474.11M241.83M310.34M
Medical Cost Ratio %
84%64.11%62.15%77.57%79.81%96.84%62.8%63.26%26.84%33.46%
Gross Profit
39.11M▲ 0%
83.02M▲ 112.3%
91.37M▲ 10.1%
61.84M▼ 32.3%
81.29M▲ 31.5%
15.55M▼ 80.9%
204.61M▲ 1216.0%
275.34M▲ 34.6%
659.12M▲ 139.4%
617.14M▲ 0%
Gross Margin %
16%35.89%37.85%22.43%20.19%3.16%37.2%36.74%73.16%66.54%
Gross Profit Growth %
-56.97%112.25%10.06%-32.32%31.47%-80.87%1215.98%34.57%139.38%-
Operating Expenses
54.74M56.12M55.28M24.91M70.06M83.97M86.96M101.92M229.79M172.76M
OpEx / Revenue %
22.4%24.26%22.9%9.03%17.4%17.07%15.81%13.6%25.51%18.63%
Depreciation & Amortization
9.59M11M8.94M8.75M5.55M8.01M8.18M4.3M11.22M9.2M
Combined Ratio %
106.39%88.37%85.05%86.61%97.21%113.91%78.61%76.86%52.35%52.09%
Operating Income
-15.62M▲ 0%
26.9M▲ 272.2%
36.09M▲ 34.2%
36.93M▲ 2.3%
11.23M▼ 69.6%
-68.42M▼ 709.1%
117.65M▲ 272.0%
173.43M▲ 47.4%
429.33M▲ 147.6%
444.38M▲ 0%
Operating Margin %
-6.39%11.63%14.95%13.39%2.79%-13.91%21.39%23.14%47.65%47.91%
Operating Income Growth %
-133.34%272.18%34.16%2.31%-69.58%-709.08%271.96%47.41%147.56%-
EBITDA
-6.03M37.9M45.03M45.67M16.78M-60.41M125.83M177.73M440.55M454.5M
EBITDA Margin %
-2.47%16.39%18.66%16.57%4.17%-12.28%22.88%23.71%48.9%49%
Interest Expense
16.77M18.1M12.9M11.58M6.3M7.64M11.12M13.34M9.16M6.69M
Non-Operating Income
-16.77M-18.1M-12.9M-11.58M-6.3M-7.64M-11.04M-13.29M-9.16M-6.69M
Pretax Income
-15.62M▲ 0%
26.9M▲ 272.2%
36.09M▲ 34.2%
36.93M▲ 2.3%
11.23M▼ 69.6%
-68.42M▼ 709.1%
117.65M▲ 272.0%
173.43M▲ 47.4%
429.33M▲ 147.6%
444.38M▲ 0%
Pretax Margin %
-6.39%11.63%14.95%13.39%2.79%-13.91%21.39%23.14%47.65%47.91%
Income Tax
-8.73M9.18M9.52M9.35M3.99M-13.81M28.39M45.85M108.94M113.17M
Effective Tax Rate %
55.88%34.11%26.37%25.31%35.53%20.19%24.13%26.44%25.37%25.47%
Net Income
-6.89M▲ 0%
17.73M▲ 357.1%
26.58M▲ 49.9%
27.58M▲ 3.8%
1.86M▼ 93.3%
-58.51M▼ 3252.5%
79.03M▲ 235.1%
109.95M▲ 39.1%
299M▲ 171.9%
302.73M▲ 0%
Net Margin %
-2.82%7.66%11.01%10%0.46%-11.89%14.37%14.67%33.19%32.64%
Net Income Growth %
-123.75%357.14%49.94%3.78%-93.27%-3252.53%235.08%39.12%171.94%129.29%
EPS (Diluted)
-0.81▲ 0%
2.25▲ 377.8%
3.31▲ 47.1%
3.49▲ 5.4%
0.21▼ 94.0%
-6.24▼ 3071.4%
7.62▲ 222.1%
8.89▲ 16.7%
24.87▲ 179.8%
23.50▲ 0%
EPS Growth %
-127.74%377.78%47.11%5.44%-93.98%-3071.43%222.12%16.67%179.75%143.06%
EPS (Basic)
-0.812.253.323.550.23-6.249.1310.5928.10-
Diluted Shares Outstanding
8.56M7.89M10.24M9.69M8.58M8.82M11.04M12.69M12.88M12.88M

HCI Balance Sheet

HCI Group, Inc. (HCI) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
842.26M832.86M802.61M941.31M1.18B1.8B1.81B2.23B2.53B2.32B
Asset Growth %
25.7%-1.12%-3.63%17.28%25.02%53.23%0.44%23.13%13.39%55.18%
Total Investment Assets
380.29M377.97M341.49M225.72M196.72M1.03B257.61M874.66M789.65M4M
Long-Term Investments
321.93M323.48M267.72M151.25M122.82M544.2M23.58M795.54M758.39M2.82B
Short-Term Investments
296.39M249.2M203.33M71.72M42.58M483.9M234.03M521.3M31.27M0
Total Current Assets
88.28M635.14M0001.47B859.62M01.64B1.08B
Cash & Equivalents
255.88M239.46M229.22M431.34M628.94M234.86M536.48M532.47M1.21B1.02B
Receivables
00165.07M169.59M155.83M751.74M547.79M615.49M348.72M1.33B
Other Current Assets
00-617.71M-711.39M-856.57M751.29M770.5M-1.77B3.75M0
Goodwill & Intangibles
5M4.8M4.19M3.57M10.64M10.58M7.66M5.21M62.41M202.21M
Goodwill
0000000000
Intangible Assets
5M4.8M4.19M3.57M10.64M10.58M7.66M5.21M62.41M0
PP&E (Net)
12.46M13.34M15.18M16.77M16.44M18.69M30.66M31.55M28.94M0
Other Assets
-338.77M-3.59M-287.1M-171.59M-149.89M-2K1.19B-832.29M32.97M136.57M
Total Liabilities
648.29M651.42M617.07M740.18M762.4M1.55B1.39B1.76B1.41B1.43B
Total Debt
237.84M250.15M173.96M184.28M62.71M212.41M209.9M186.44M67.88M67.67M
Net Debt
-18.05M10.69M-55.26M-247.07M-566.24M-22.45M-326.57M-346.03M-1.14B-950.13M
Long-Term Debt
237.84M250.15M163.63M156.47M45.47M211.67M208.49M185.25M31.88M67.67M
Short-Term Debt
89.99M09.75M23.75M15M1.16M0036M0
Total Current Liabilities
90M14K00026.97M296.25M01.32B42.84M
Accounts Payable
15K14K76K87K23.34M26.25M12.92M22.98M29.34M0
Deferred Revenue
0-91.3M00007.7M0662.63M576.87M
Other Current Liabilities
-90M-14K-20.4M-47.8M-55.99M-15.71M246.8M-47.3M580.31M-534.03M
Deferred Taxes
1000K1000K1000K1000K1000K1000K01000K1000K12.79M
Other Liabilities
410.45M0-167.7M-168.44M-57.24M1.34B1.18B-188.08M57.54M1.07B
Total Equity
193.97M▲ 0%
181.44M▼ 6.5%
185.54M▲ 2.3%
201.14M▲ 8.4%
414.46M▲ 106.1%
254.81M▼ 38.5%
423.32M▲ 66.1%
469.04M▲ 10.8%
1.11B▲ 137.6%
1.17B▲ 0%
Equity Growth %
-20.42%-6.46%2.26%8.4%106.06%-38.52%66.14%10.8%137.64%409.28%
Shareholders Equity
193.97M181.44M185.54M201.14M323.37M162.6M324.84M453.33M1.04B1.09B
Minority Interest
000091.09M92.21M98.48M15.71M73.57M88.68M
Retained Earnings
189.41M182.89M183.37M199.59M246.79M172.48M238.44M331.79M611.51M679.72M
Common Stock
0000000000
Accumulated OCI
4.57M-1.45M2.18M1.54M498K-9.89M-3.16M-749K1.46M-4.54M
Return on Equity (ROE)
-3.15%9.44%14.48%14.27%0.6%-17.49%23.31%24.64%37.76%30.81%
Return on Assets (ROA)
-0.91%2.12%3.25%3.16%0.18%-3.93%4.37%5.44%12.57%12.68%
Equity / Assets
23.03%21.79%23.12%21.37%35.22%14.13%23.37%21.03%44.08%50.58%
Debt / Equity
1.23x1.38x0.94x0.92x0.15x0.83x0.50x0.40x0.06x0.06x
Book Value per Share
22.6722.9818.1220.7548.3128.9038.3336.9786.5291.09
Tangible BV per Share
22.0822.3717.7120.3847.0727.7037.6436.5681.6891.09

HCI Cash Flow Statement

HCI Group, Inc. (HCI) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
16.43M28.59M54.05M77.31M96.5M-12K230.66M331.82M446.74M283.19M
Operating CF Growth %
-81.33%74.08%89.01%43.04%24.82%-100.01%1922250%43.86%34.63%514.47%
Operating CF / Revenue %
6.72%12.36%22.39%28.04%23.97%-0%41.94%44.27%49.59%30.53%
Net Income
-6.89M17.73M26.58M27.58M7.24M-54.6M76.41M109.95M320.39M302.73M
Depreciation & Amortization
9.59M11M8.94M8.75M5.55M8.01M8.18M4.3M11.22M9.2M
Stock-Based Compensation
4.52M4.63M6.46M8.13M13.75M15.11M9.35M10.19M10.97M8M
Deferred Taxes
-4.91M141K1.87M8.12M1.14M-9.88M649K2.41M-1.92M-621K
Other Non-Cash Items
-1.94M2.75M-3.93M-35.31M-7.43M-7.78M-2.88M9.12M-1.07M30.02M
Working Capital Changes
16.05M-7.64M14.13M60.04M76.24M49.13M138.95M195.85M107.14M-82.98M
Cash from Investing
-80.16M-17.68M50.46M143.22M36.85M-434.54M4.27M-260.11M240.12M174.84M
Capital Expenditures
-2.98M-2.6M-2.89M-6.44M-3.32M-10.14M-478K-4.05M01.73M
Acquisitions
-4.23M-7.18M-1.17M-4.24M-3.76M-1.97M0-1.23M095K
Purchase of Investments
-165.2M-366.96M-108.48M-103.37M-122.41M-637.77M0-836.64M024.33M
Sale/Maturity of Investments
91.94M365.68M172.36M214.2M162.42M195.31M4.71M594.27M-2.9M-96.26M
Other Investing
297K-6.62M-9.36M43.07M3.91M20.04M42K-12.46M243.02M244.95M
Cash from Financing
39.03M-27.29M-114.72M-16.7M64.3M41.07M67.12M-75.17M-8.94M-2.69M
Dividends Paid
-13.91M-11.32M-13.01M-12.69M-14.06M-15.23M-13.72M-16.6M-19.29M4.31M
Share Repurchases
-45.87M-21.17M-20.05M-6.71M-1.31M-88.31M-784K-1.04M-1.52M639K
Stock Issued
00000084.57M000
Debt Issuance (Net)
1000K1000K-1000K1000K-1000K1000K1000K1000K1000K-1000K
Other Financing
-3.83M323K-90K204K89.4M-11.88M-7.5M-100.55M5.18M-17.96M
Net Change in Cash
-24.65M▲ 0%
-16.54M▲ 32.9%
-10.24M▲ 38.1%
203.82M▲ 2090.5%
197.6M▼ 3.1%
-393.58M▼ 299.2%
302M▲ 176.7%
-3.58M▼ 101.2%
677.69M▲ 19029.9%
259.6M▲ 0%
Exchange Rate Effect
61K-164K-22K2K-54K-98K-42K-112K-229K-196.29M
Cash at Beginning
280.53M256.69M240.16M229.92M433.74M631.34M237.76M539.76M536.18M1.21B
Cash at End
255.88M240.16M229.92M433.74M631.34M237.76M539.76M536.18M1.21B1.02B
Free Cash Flow
13.45M▲ 0%
26M▲ 93.3%
51.16M▲ 96.8%
70.87M▲ 38.5%
93.19M▲ 31.5%
-10.15M▼ 110.9%
224.16M▲ 2307.8%
327.76M▲ 46.2%
444.45M▲ 35.6%
281.81M▲ 0%
FCF Growth %
-84.56%93.32%96.78%38.53%31.48%-110.9%2307.78%46.22%35.6%-8.84%
FCF Margin %
5.5%11.24%21.19%25.7%23.15%-2.06%40.75%43.73%49.33%30.38%
FCF per Share
1.573.2957.3110.86-1.1520.325.8434.521.87

HCI Key Ratios

HCI Group, Inc. (HCI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio
106.39%88.37%85.05%86.61%97.21%113.91%78.61%76.86%52.35%52.09%
Medical Cost Ratio
84%64.11%62.15%77.57%79.81%96.84%62.8%63.26%26.84%33.46%
Return on Equity (ROE)
-3.15%9.44%14.48%14.27%0.6%-17.49%23.31%24.64%37.76%30.81%
Return on Assets (ROA)
-0.91%2.12%3.25%3.16%0.18%-3.93%4.37%5.44%12.57%12.68%
Equity / Assets
23.03%21.79%23.12%21.37%35.22%14.13%23.37%21.03%44.08%50.58%
Book Value / Share
22.6722.9818.1220.7548.3128.938.3336.9786.5291.09
Debt / Equity
1.23x1.38x0.94x0.92x0.15x0.83x0.50x0.40x0.06x0.06x
Revenue Growth
-5.35%-5.37%4.36%14.23%45.99%22.22%11.79%36.26%20.21%22.02%
Related:HCI Dividend History·HCI Revenue History·HCI Price History·HCI P/E History·HCI Financial Ratios·HCI Institutional Holders

HCI SEC Filings & Documents

HCI Group, Inc. (HCI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 6, 2026·SEC

Material company update

Feb 25, 2026·SEC

Material company update

Dec 23, 2025·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Mar 8, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

HCI Frequently Asked Questions

HCI Group, Inc. (HCI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

HCI Group, Inc. (HCI) grew revenue by 20.2% over the past year. This is strong growth.

Yes, HCI Group, Inc. (HCI) is profitable, generating $302.7M in net income for fiscal year 2025 (33.2% net margin).

Dividend & Returns

Yes, HCI Group, Inc. (HCI) pays a dividend with a yield of 0.92%. This makes it attractive for income-focused investors.

HCI Group, Inc. (HCI) has a return on equity (ROE) of 37.8%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

HCI Group, Inc. (HCI) has a combined ratio of 52.3%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in HCI back in 2007?

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How much would $100/month in HCI be worth today?

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