Zacks Investment Research·5 days ago
Are You Looking for a Top Momentum Pick? Why HCI Group (HCI) is a Great ChoiceDoes HCI Group (HCI) have what it takes to be a top stock pick for momentum investors? Let's find out.
HCI Group, Inc.(HCI)Earnings, Financials & Key Ratios
HCI•NYSE•Insurance & Managed Care
$180.41
7.3× P/E·Price updated Jul 7, 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 Price & Volume
HCI Group, Inc. (HCI) stock price & volume — 10-year historical chart
Loading chart...
Florida Takeouts Drive Significant Underwriting Margin Expansion
Investment Thesis • Updated 2026Q1
VerdictPositive
Growth:Expanding
Profitability:Strong
Financial:Fortress
Cash Flow:Robust
Primary Risk:Florida geographic concentration risk
Key Thesis Takeaways
- HCI Group demonstrates a compelling growth trajectory fueled by strategic policy take-outs from Florida's state-backed insurer, which has catalyzed a dramatic improvement in underwriting profitability.
- While the company has successfully scaled its operations and bolstered its equity base to $1.1 billion as of 2026Q1, investors should remain cautious regarding the firm's extreme geographic concentration in the Florida residential market.
- Future performance appears contingent on maintaining this underwriting efficiency, as evidenced by the 41.5% combined ratio achieved in 2025Q4, while navigating the inherent volatility of regional catastrophe risks.
Verdict Logic
the company's current valuation, characterized by a PEG ratio of 0.15, suggests that the market may be underpricing the significant margin expansion and capital accumulation achieved over the last ten quarters.
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
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$5.45+6.2%
$5.13
Rev
$243M-0.9%
$245M
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$7.25+48.9%
$4.87
Rev
$246M+6.0%
$232M
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$4.90+100.8%
$2.44
Rev
$216M-6.9%
$232M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$5.18+15.9%
$4.47
Rev
$222M-0.4%
$223M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $5.45vs $5.13+6.2% | $243Mvs $245M-0.9% |
| Q1 2026 | Feb 25, 2026 | $7.25vs $4.87+48.9% | $246Mvs $232M+6.0% |
| Q4 2025 | Nov 6, 2025 | $4.90vs $2.44+100.8% | $216Mvs $232M-6.9% |
| Q3 2025 | Aug 7, 2025 | $5.18vs $4.47+15.9% | $222Mvs $223M-0.4% |
Based on last 12 quarters of dataView full earnings history →
Latest HCI News
Recent stock market news and headlines for HCI Group, Inc. (HCI)
Zacks Investment Research·Jul 1, 2026
Wall Street Analysts Believe HCI Group (HCI) Could Rally 32.19%: Here's is How to TradeThe mean of analysts' price targets for HCI Group (HCI) points to a 32.2% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.
Zacks Investment Research·Jun 30, 2026
HCI Group (HCI) Stock Drops Despite Market Gains: Important Facts to NoteHCI Group (HCI) concluded the recent trading session at $175.25, signifying a -1.77% move from its prior day's close.
Zacks Investment Research·Jun 29, 2026
HCI Group (HCI) Surges 4.2%: Is This an Indication of Further Gains?HCI Group (HCI) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.
Zacks Investment Research·Jun 26, 2026
Is HCI Group (HCI) a Buy as Wall Street Analysts Look Optimistic?When deciding whether to buy, sell, or hold a stock, investors often rely on analyst recommendations. Media reports about rating changes by these brokerage-firm-employed (or sell-side) analysts often influence a stock's price, but are they really important?
Peers Comparison
Key metrics vs top competitors for HCI Group, Inc. (HCI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $180.41 | $2.34B | 7.25 | 20.21% | 33.19% | 37.76% | 0.83% | |
| $6.32 | $3.56M | -0.01 | -22.44% | -30.33% | -27.02% | — | |
| $27.20 | $825.52M | 4.30 | 3.71% | 25.99% | 43.68% | — | |
| $28.81 | $3.91B | 15.32 | 5.72% | 9.11% | 11.15% | — | |
| $20.27 | $293.61M | 7.04 | 28.39% | 14.91% | 0.11% | — | |
| $145.29 | $3.85B | 20.26 | 58.16% | 20.15% | 21.74% | — |
Compare HCI vs Peers
HCI Group, Inc. (HCI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HCI SEC Filings & Documents
HCI Group, Inc. (HCI) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 6, 2026·SEC
Material company update
Feb 25, 2026·SEC
Material company update
Dec 23, 2025·SEC
10-K Annual Reports
310-Q Quarterly Reports
6Get notified when HCI posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
HCI Frequently Asked Questions
HCI Group, Inc. (HCI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is HCI Group, Inc. growing?
HCI Group, Inc. (HCI) grew revenue by 20.2% over the past year. This is strong growth.
Is HCI profitable?
Yes, HCI Group, Inc. (HCI) is profitable, generating $302.7M in net income for fiscal year 2025 (33.2% net margin).
Dividend & Returns
Does HCI pay dividends?
Yes, HCI Group, Inc. (HCI) pays a dividend with a yield of 0.83%. This makes it attractive for income-focused investors.
What is HCI's return on equity?
HCI Group, Inc. (HCI) has a return on equity (ROE) of 37.8%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
What is HCI Group, Inc.'s combined ratio?
HCI Group, Inc. (HCI) has a combined ratio of 52.3%. A ratio below 100% indicates underwriting profitability.