Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.41 | 7.82 | 7.09 | 5.72 | 9.79 | 7.35 | 6.97 | 145.66 | 51.47 | 5.43 | 7.62 | 6.45 | 10.13 | 12.07 | 8.70 | 30.93 | — | — | 58.78 | 2245.70 | — |
| — | +6.5% | +1.7% | -96.1% | -81.0% | +35.2% | -8.4% | +2159.9% | +408.2% | -55.0% | -12.5% | -79.2% | — | — | -85.2% | -98.6% | — | — | +129.5% | +5911.4% | — | |
| P/S Ratio | 2.61 | 2.29 | 2.05 | 2.51 | 2.86 | 2.21 | 2.18 | 2.29 | 1.61 | 1.42 | 1.77 | 1.54 | 1.13 | 1.32 | 1.13 | 0.71 | 0.66 | 1.22 | 1.33 | 1.88 | 2.28 |
| — | +3.6% | -6.0% | +9.5% | +77.9% | +55.8% | +22.9% | +48.8% | +41.8% | +7.0% | +56.6% | +115.6% | +71.9% | +8.7% | -14.8% | -62.1% | -71.1% | -38.3% | -34.4% | +36.8% | +26.9% | |
| P/B Ratio | 2.13 | 1.91 | 1.69 | 2.22 | 2.89 | 2.49 | 3.48 | 3.15 | 2.40 | 2.58 | 3.68 | 2.36 | 2.02 | 2.38 | 2.13 | 1.30 | 1.25 | 1.84 | 1.62 | 2.01 | 2.34 |
| — | -23.1% | -51.4% | -29.7% | +20.2% | -3.3% | -5.6% | +33.3% | +19.0% | +8.4% | +72.5% | +82.1% | +61.8% | +29.1% | +32.0% | -35.5% | -46.5% | -28.7% | -35.7% | +4.7% | -2.1% | |
| P/FCF | 5.29 | 4.52 | 3.35 | 5.57 | 23.89 | 3.39 | 2.95 | 5.02 | 2.73 | — | 2.02 | 1.65 | 2.22 | — | 1.49 | 4.77 | — | — | 3.22 | 4.43 | — |
| — | +33.3% | +13.4% | +10.9% | +776.1% | — | +46.1% | +205.0% | +22.9% | — | +35.6% | -65.5% | — | — | -53.7% | +7.7% | — | — | -40.1% | — | — | |
| EV / EBITDA | 2.75 | 3.20 | 2.22 | 2.27 | 4.08 | 2.60 | 3.24 | 35.05 | 12.91 | 3.09 | 3.48 | 3.00 | 5.46 | 6.63 | 4.71 | 15.13 | — | — | 7.24 | 17.58 | — |
| — | +23.1% | -31.3% | -93.5% | -68.4% | -15.8% | -7.1% | +1067.3% | +136.6% | -53.3% | -26.0% | -80.2% | — | — | -35.0% | -13.9% | — | — | -11.1% | +159.7% | — | |
| EV / EBIT | 2.82 | 3.23 | 2.25 | 2.29 | 4.14 | 2.62 | 3.19 | 30.92 | 11.98 | 3.02 | 3.39 | 2.96 | 5.25 | 6.43 | 4.60 | 14.13 | — | — | 8.68 | 21.63 | — |
| — | +23.1% | -29.6% | -92.6% | -65.4% | -13.0% | -5.8% | +943.7% | +128.1% | -53.1% | -26.4% | -79.0% | — | — | -47.0% | -34.7% | — | — | +13.3% | +249.4% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.2% | 71.2% | 73.0% | 78.9% | 54.8% | 57.2% | 60.1% | 14.3% | 24.8% | 50.7% | 50.6% | 45.8% | 32.0% | 33.6% | 35.2% | 17.0% | -31.2% | 9.3% | 18.5% | 21.2% | 11.9% |
| — | +24.5% | +21.4% | +453.7% | +121.3% | +12.9% | +18.9% | -68.9% | -22.5% | +50.7% | +43.7% | +168.8% | +202.5% | +260.3% | +90.3% | -19.6% | -362.1% | -55.3% | -31.2% | -1.4% | +1468.0% | |
| Operating Margin | 47.7% | 45.0% | 47.5% | 58.5% | 41.9% | 42.5% | 46.2% | 3.6% | 8.0% | 36.8% | 37.5% | 33.3% | 15.3% | 15.9% | 18.0% | 2.4% | -50.7% | -9.2% | 3.2% | 2.3% | -6.7% |
| — | +5.8% | +2.8% | +1502.6% | +421.1% | +15.4% | +23.2% | -89.0% | -47.4% | +131.5% | +108.3% | +1307.3% | +130.1% | +272.6% | +463.8% | +3.4% | -661.3% | -280.8% | -70.2% | -44.7% | -120.6% | |
| Net Margin | 33.2% | 29.9% | 30.2% | 39.7% | 30.3% | 29.8% | 32.1% | 1.6% | 3.2% | 26.2% | 23.1% | 23.4% | 10.0% | 9.8% | 11.9% | 1.3% | -40.6% | -8.0% | 0.7% | 0.0% | -6.5% |
| — | +0.4% | -5.9% | +2377.7% | +833.6% | +13.7% | +39.2% | -93.2% | -67.6% | +168.2% | +93.2% | +1679.3% | +124.6% | +222.8% | +1556.3% | +4317.1% | -530.1% | -515.0% | -89.0% | -99.2% | -127.9% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 37.8% | 6.3% | 6.4% | 9.9% | 8.0% | 9.9% | 13.8% | 0.6% | 1.2% | 12.7% | 11.6% | 10.6% | 4.5% | 4.5% | 5.8% | 0.6% | -17.1% | -2.7% | 0.2% | 0.0% | -1.8% |
| — | -37.0% | -53.4% | +1697.8% | +547.2% | -21.7% | +18.6% | -94.8% | -72.9% | +183.9% | +99.4% | +1704.9% | +126.6% | +266.6% | +2560.1% | +6981.9% | -831.6% | -526.8% | -91.0% | -99.4% | -122.9% | |
| ROA | 12.6% | 2.8% | 2.9% | 4.0% | 2.8% | 2.8% | 3.1% | 0.1% | 0.3% | 3.2% | 2.9% | 2.2% | 0.8% | 0.7% | 0.9% | 0.1% | -3.0% | -0.8% | 0.1% | 0.0% | -0.6% |
| — | -1.2% | -7.0% | +3170.0% | +856.3% | -11.0% | +6.1% | -94.3% | -61.8% | +348.7% | +237.4% | +2688.4% | +125.6% | +187.5% | +1017.4% | +2565.5% | -409.5% | -544.4% | -87.8% | -99.0% | -133.7% | |
| ROIC | 675.0% | 27.7% | 85.0% | — | — | — | 151.3% | 2.9% | 5.0% | 42.5% | 94.8% | 29.3% | 7.9% | 8.3% | 8.7% | 1.2% | -31.1% | -19.2% | — | — | — |
| — | — | -43.9% | — | — | — | +59.7% | -90.1% | -37.2% | +414.1% | +993.9% | +2422.1% | +125.5% | +143.2% | — | — | — | — | — | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 0.06 | 0.06 | 0.06 | 0.04 | 0.02 | 0.34 | 0.40 | 0.50 | 0.52 | 0.72 | 0.50 | 0.71 | 0.74 | 0.72 | 0.83 | 0.81 | 0.64 | 0.15 | 0.15 | 0.21 |
| — | +170.1% | -83.2% | -84.7% | -92.2% | -95.9% | -52.5% | -19.8% | -30.2% | -30.1% | -0.6% | -40.5% | -11.8% | +14.8% | +373.8% | +451.0% | +280.1% | +20.4% | -71.7% | -83.5% | -74.2% | |
| Debt / EBITDA | 0.15 | 0.60 | 0.58 | 0.46 | 0.36 | 0.17 | 1.82 | 23.09 | 14.31 | 3.02 | 3.65 | 3.74 | 9.51 | 9.41 | 7.79 | 41.70 | — | — | 11.41 | 16.45 | — |
| — | +254.2% | -68.4% | -98.0% | -97.5% | -94.4% | -50.2% | +517.5% | +50.4% | -67.9% | -53.1% | -91.0% | — | — | -31.7% | +153.4% | — | — | -20.3% | -53.9% | — | |
| Current Ratio | 1.24 | — | 1.07 | 1.24 | 1.21 | 1.24 | 1.27 | — | 25.20 | — | 3.35 | — | — | 6334.53 | — | — | — | — | — | — | — |
| — | — | -15.8% | — | -95.2% | — | -62.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 1.24 | — | 1.07 | 1.24 | 1.21 | 1.24 | 1.27 | — | 25.20 | — | 7.75 | — | — | 6334.53 | — | — | — | — | — | — | — |
| — | — | -15.8% | — | -95.2% | — | -83.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 47.89 | 103.37 | 126.01 | 143.72 | 89.91 | 26.21 | 30.65 | 2.81 | 5.12 | 23.02 | 25.59 | 20.16 | 8.11 | 8.60 | 9.26 | 2.01 | -21.61 | -6.63 | 7.66 | 4.71 | -2.91 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying HCI stock.
HCI Group, Inc.'s current P/E is 7.4x. The average P/E over the last 4 quarters is 7.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
HCI Group, Inc.'s current operating margin is 47.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking HCI Group, Inc.'s business trajectory between earnings reports.