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HCI Group, Inc. (HCI) Total Return Calculator with Dividends Reinvested

HCI Group, Inc.

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The total return for HCI Group, Inc. (HCI) stock is +5.83% over the past 12 months. So far it's down 15.96% this year. The 5-year total return is +110.52%, meaning $10,000 invested in HCI stock 5 years ago would be worth $21,052 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in HCI 1 year ago, it would be worth $10,319 today — you'd have gained $319 with dividends reinvested.

With Dividends Reinvested$10,319+3.19%

Price Only (No DRIP)$10,218+2.18%

Dividend Boost+$1014 payments · +1.01% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in HCI

1Y$10,583+$583 (+5.8%)5.8% CAGR

3Y$31,208+$21,208 (+212.1%)46.1% CAGR

5Y$21,052+$11,052 (+110.5%)16.1% CAGR

10Y$55,163+$45,163 (+451.6%)18.6% CAGR

15Y$227,035+$217,035 (+2170.3%)23.1% CAGR

20Y$286,867+$276,867 (+2768.7%)18.3% CAGR

30Y$286,872+$276,872 (+2768.7%)11.8% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-05-16	$0.40	$166.43	+0.002403
2025-08-15	$0.40	$156.19	+0.002567
2025-11-21	$0.40	$173.80	+0.002313
2026-02-20	$0.40	$156.12	+0.002581

Loading HCI total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-15.96%	—	-16.18%	+0.22 pp	$8,404
1Y	+5.83%	5.83%	+4.74%	+1.09 pp	$10,583
3Y	+212.08%	46.13%	+202.65%	+9.42 pp	$31,208
5Y	+110.52%	16.05%	+100.13%	+10.39 pp	$21,052
10Y	+451.63%	18.62%	+401.59%	+50.03 pp	$55,163
15Y	+2170.35%	23.14%	+1904.42%	+265.93 pp	$227,035
20Y	+2768.67%	18.27%	+2426.87%	+341.80 pp	$286,867
30Y	+2768.72%	11.84%	+2426.91%	+341.80 pp	$286,872

Risk & Highlights

Best Year+159.23%2012

Worst Year-51.05%2022

Max Drawdown-27.68%2025-10-24 → 2026-05-04

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-3.84%	-4.06%	+0.2pp	+0.41%	-4.3pp
2025	+68.86%	+67.46%	+1.4pp	+16.64%	+52.2pp
2024	+33.57%	+31.76%	+1.8pp	+24.00%	+9.6pp
2023	+124.63%	+120.60%	+4.0pp	+24.81%	+99.8pp
2022	-51.05%	-52.95%	+1.9pp	-19.95%	-31.1pp

HCI underperformed the S&P 500 by 25.49pp over the past year (+5.83% vs +31.32%).

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HCI Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
HCIHCI Group, Inc.	$2.0B	+0.1%	-16.0%	+5.8%	+1.1pp	+212.1%	+110.5%	+451.6%
UPCUniverse Pharmaceuticals Inc.	$2M	-3.7%	-32.2%	-36.9%	—	-99.9%	-100.0%	-100.0%
HRTGHeritage Insurance Holdings, Inc.	$888M	+7.8%	+5.3%	+44.8%	—	+602.2%	+234.7%	+131.2%
FGF&G Annuities & Life, Inc.	$4.0B	+12.0%	-1.1%	-14.6%	+2.6pp	+91.8%	+92.7%	+92.7%
KINSKingstone Companies, Inc.	$258M	+12.7%	+1.5%	-10.8%	+0.8pp	+1094.2%	+94.5%	+104.9%
PLMRPalomar Holdings, Inc.	$2.9B	-9.1%	-16.0%	-29.2%	—	+118.4%	+66.5%	+483.2%
NODKNI Holdings, Inc.	$266M	+1.9%	-2.8%	+5.1%	—	-2.9%	-31.2%	-12.5%
ACGLArch Capital Group Ltd.	$33.7B	-2.2%	+0.9%	+1.8%	—	+30.9%	+150.7%	+325.3%
RNRRenaissanceRe Holdings Ltd.	$13.1B	+0.5%	+11.3%	+22.9%	+0.7pp	+46.6%	+89.7%	+182.4%
VERXVertex, Inc.	$2.0B	+4.5%	-33.5%	-67.3%	—	-38.4%	-30.4%	-47.2%
IIIVi3 Verticals, Inc.	$486M	-2.7%	-12.9%	-16.4%	—	-6.3%	-29.1%	+19.9%

Compare:HCI vs UPC HCI vs HRTG HCI vs FG HCI vs UPC vs HRTG

About HCI Dividend Returns

HCI Group, Inc. (HCI) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of HCI over the past year?

HCI Group, Inc. (HCI) delivered a total return of 5.83% over the past year when dividends are reinvested. The price-only return was 4.74%, meaning dividends contributed an additional 1.09 percentage points to total returns.

Q2How much would $10,000 invested in HCI be worth today?

A $10,000 investment in HCI Group, Inc. one year ago would be worth $10,583 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $10,474. Dividend reinvestment added $109 to the portfolio value.

Q3Does HCI pay dividends?

Yes, HCI Group, Inc. (HCI) pays dividends. In the last year, HCI paid approximately $1.50 per share in dividends (0.97% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did HCI beat the S&P 500?

No, HCI Group, Inc. (HCI) underperformed the S&P 500 by 25.49 percentage points over the past year. HCI delivered a total return of 5.83%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed HCI by 25.49pp during this period.

Q5What is HCI's worst drawdown?

HCI Group, Inc. (HCI) experienced a maximum drawdown of -27.68% over the past year, declining from its peak on 2025-10-24 to its trough on 2026-05-04. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is HCI's long-term total return over 10, 20, or 30 years?

Here are HCI Group, Inc. (HCI)'s long-term returns with dividends reinvested. Over 10 years, the total return is 451.6% (18.6% CAGR) — $10,000 would have grown to $55,163. Over 20 years: 2768.7% total return (18.3% CAGR) — $10,000 → $286,867. Over 30 years: 2768.7% total return (11.8% CAGR) — $10,000 → $286,872. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was HCI's best and worst year?

HCI Group, Inc.'s best calendar year was 2012 with a total return of 159.2%. Its worst year was 2022 with a total return of -51.1%. This range shows the volatility investors should expect — the difference between the best and worst year is 210.3 percentage points.