Symbols / HCI Stock $149.82 -1.54% HCI Group, Inc.

Financial Services • Insurance - Property & Casualty • United States • NYQ
HCI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Pareshbhai Suryakant Patel
Exch · Country NYQ · United States
Market Cap 1.91B
Enterprise Value 1.05B
Income 290.54M
Sales 927.40M
FCF (ttm) 449.52M
Book/sh 80.13
Cash/sh 79.44
Employees 594
Insider 10d —
IPO Sep 15, 2008
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 7.01%
P/E 6.57
Forward P/E 8.28
PEG 0.97
P/S 2.06
P/B 1.87
P/C —
EV/EBITDA 2.29
EV/Sales 1.14
Quick Ratio 0.79
Current Ratio 1.00
Debt/Eq 5.75
LT Debt/Eq —
EPS (ttm) 22.82
EPS next Y 18.10
EPS Growth 1.70%
Revenue Growth 12.20%
EPS Gr Q/Q 5.30%
Rev Gr Q/Q —
Earnings (next) 2026-08-06
Earnings (prior) 2026-05-06
ROA 11.49%
ROE 38.46%
ROIC —
Gross Margin 59.56%
Oper. Margin 47.89%
Profit Margin 32.64%
Shs Outstand 12.76M
Shs Float 10.89M
Insider Own 14.25%
Instit Own 77.85%
Short Float 3.04%
Short Ratio 1.57
Short Interest 330.83K
52W High 210.50
vs 52W High -28.83%
52W Low 136.37
vs 52W Low 9.86%
Beta 1.09
Impl. Vol. 0.10%
Rel Volume 0.82
Avg Volume 178.28K
Volume 146.98K
Target (mean) $245.00
Tgt Median $245.00
Tgt Low $235.00
Tgt High $255.00
# Analysts 2
Recom Buy
Prev Close $152.16
Price $149.82
Change -1.54%
About

HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments. It provides homeowners' property and casualty insurance products; claim adjusting and processing services; turnkey insurance technology and operations solutions to property and casualty insurance carriers and its agents through the Exzeo platform; and SAMSTM, a web-based system designed to automate and streamline the process of managing insurance policies. The company also offers Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; AtlasViewer, a mapping and data visualization platform. In addition, it is involved in reciprocal exchange operations; and developing and operating commercial properties for investment purposes. 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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$245.00
Mean price target
2. Current target
$149.82
Latest analyst target
3. DCF / Fair value
$633.88
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$149.82
Low
$235.00
High
$255.00
Mean
$245.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-11-13 down Oppenheimer Outperform → Perform —
2025-11-10 main Citizens Market Outperform → Market Outperform $255
2025-11-07 main Truist Securities Buy → Buy $235
2025-05-30 up Compass Point Neutral → Buy $205
2025-05-19 main JMP Securities Market Outperform → Market Outperform $225
2025-05-09 main JMP Securities Market Outperform → Market Outperform $210
2025-02-28 main Citizens Capital Markets Market Outperform → Market Outperform $165
2024-12-17 reit Truist Securities Buy → Buy $145
2024-11-08 main Oppenheimer Outperform → Outperform $150
2024-11-08 main Truist Securities Buy → Buy $145
2024-10-21 down Compass Point Buy → Neutral $120
2024-10-15 reit JMP Securities Market Outperform → Market Outperform $145
2024-10-08 main Compass Point Buy → Buy $119
2024-09-23 reit JMP Securities Market Outperform → Market Outperform $145
2024-08-09 main JMP Securities Market Outperform → Market Outperform $145
2024-05-09 main JMP Securities Market Outperform → Market Outperform $135
2024-04-15 reit JMP Securities Market Outperform → Market Outperform $120
2024-04-05 main Oppenheimer Outperform → Outperform $140
2024-03-27 reit Oppenheimer Outperform → Outperform $140
2024-03-13 main Compass Point Buy → Buy $124
News
RSS: Latest HCI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-23 PATEL PARESH Chief Executive Officer — 20,000 $40.00 $800,000
2025-12-19 GRAHAM ANDREW L General Counsel — 1,251 $0.00 $0
2025-12-19 SARAVANOS ANTHONY Officer and Director — 621 $0.00 $0
2025-12-19 HARMSWORTH JAMES MARK Chief Financial Officer — 1,251 $0.00 $0
2025-12-19 COLEMAN KARIN SUE Chief Operating Officer — 1,251 $0.00 $0
2025-07-21 POLITIS PETER Director — 750 $0.00 $0
2025-07-21 POLITIS GREGORY Director — 750 $0.00 $0
2025-07-21 MADHU SANJAY Director — 750 $0.00 $0
2025-07-21 BURKS ROBERT WAYNE Director — 750 $0.00 $0
2025-07-21 WATTS SUSAN Director — 750 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
901.77
+20.32%
749.45
+36.26%
550.01
+11.79%
491.99
Operating Revenue
901.77
+20.32%
749.45
+36.26%
550.01
+11.79%
491.99
Selling General And Administration
72.12
+14.21%
63.15
+17.23%
53.87
-4.68%
56.51
General And Administrative Expense
72.12
+14.21%
63.15
+17.23%
53.87
-4.68%
56.51
Salaries And Wages
72.12
+14.21%
63.15
+17.23%
53.87
-4.68%
56.51
Other Operating Expenses
26.08
+0.25%
26.02
+14.95%
22.63
-9.38%
24.98
Total Expenses
472.44
-17.98%
576.03
+33.23%
432.36
-22.85%
560.41
Reconciled Depreciation
11.22
+160.92%
4.30
-47.47%
8.18
+2.17%
8.01
EBIT
438.49
+134.77%
186.77
+45.05%
128.77
+311.87%
-60.77
Total Unusual Items
—
0.00
0.00
-100.00%
0.83
Total Unusual Items Excluding Goodwill
—
0.00
0.00
-100.00%
0.83
Special Income Charges
—
0.00
0.00
-100.00%
0.83
Impairment Of Capital Assets
—
0.00
0.00
-100.00%
2.28
Restructuring And Mergern Acquisition
—
0.00
0.00
+100.00%
-3.12
Net Income
299.00
+171.94%
109.95
+39.12%
79.03
+235.08%
-58.51
Pretax Income
429.33
+147.56%
173.43
+47.41%
117.65
+271.96%
-68.42
Net Non Operating Interest Income Expense
-9.16
+31.38%
-13.34
-20.03%
-11.12
-43.11%
-7.77
Interest Expense Non Operating
9.16
-31.38%
13.34
+20.03%
11.12
+45.45%
7.64
Net Interest Income
-9.16
+31.38%
-13.34
-20.03%
-11.12
-43.11%
-7.77
Interest Expense
9.16
-31.38%
13.34
+20.03%
11.12
+45.45%
7.64
Other Income Expense
4.13
+54.58%
2.67
+1.79%
2.63
-41.44%
4.49
Tax Provision
108.94
+137.61%
45.85
+61.47%
28.39
+305.52%
-13.81
Tax Rate For Calcs
0.00
-3.92%
0.00
+9.54%
0.00
+19.47%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
-100.00%
0.17
Net Income Including Noncontrolling Interests
320.39
+151.13%
127.58
+42.94%
89.26
+263.47%
-54.60
Net Income From Continuing Operation Net Minority Interest
299.00
+171.94%
109.95
+39.12%
79.03
+235.08%
-58.51
Net Income From Continuing And Discontinued Operation
299.00
+171.94%
109.95
+39.12%
79.03
+235.08%
-58.51
Net Income Continuous Operations
320.39
+151.13%
127.58
+42.94%
89.26
+263.47%
-54.60
Minority Interests
-21.39
-21.34%
-17.63
-72.43%
-10.22
-161.59%
-3.91
Normalized Income
299.00
+171.94%
109.95
+39.12%
79.03
+233.56%
-59.18
Net Income Common Stockholders
286.96
+171.12%
105.84
+38.52%
76.41
+238.80%
-55.05
Otherunder Preferred Stock Dividend
12.04
+192.97%
4.11
+56.57%
2.62
+175.80%
-3.46
Diluted EPS
—
8.89
+16.67%
7.62
+222.12%
-6.24
Basic EPS
—
10.59
+15.99%
9.13
+246.31%
-6.24
Basic Average Shares
—
10.38
+19.94%
8.66
-1.82%
8.82
Diluted Average Shares
—
12.37
+19.25%
10.37
+17.64%
8.82
Diluted NI Availto Com Stockholders
292.65
+159.55%
112.75
+34.00%
84.14
+252.85%
-55.05
Average Dilution Earnings
5.68
-17.75%
6.91
-10.66%
7.73
0.00
Loss Adjustment Expense
241.83
-35.46%
374.71
+47.19%
254.58
-31.47%
371.46
Net Policyholder Benefits And Claims
241.83
-35.46%
374.71
+47.19%
254.58
-31.47%
371.46
Total Other Finance Cost
—
0.06
-28.05%
0.08
-34.40%
0.12
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,528.93
+13.39%
2,230.21
+23.13%
1,811.32
+0.44%
1,803.33
Cash Cash Equivalents And Short Term Investments
1,241.39
+17.80%
1,053.77
+36.76%
770.50
+54.03%
500.22
Cash And Cash Equivalents
1,210.13
+127.27%
532.47
-0.75%
536.48
+128.42%
234.86
Other Short Term Investments
31.27
-94.00%
521.30
+122.75%
234.03
-11.81%
265.35
Receivables
348.72
-42.78%
609.49
+11.26%
547.79
-27.13%
751.74
Accounts Receivable
347.39
-42.96%
609.02
+34.57%
452.57
-38.81%
739.67
Other Receivables
—
—
91.71
+1155.84%
7.30
Taxes Receivable
1.33
+187.69%
0.46
0.00
-100.00%
2.81
Accrued Interest Receivable
—
6.01
+71.31%
3.51
+79.66%
1.95
Prepaid Assets
50.13
-45.55%
92.06
+3.31%
89.11
+28.31%
69.45
Net PPE
28.94
-2.05%
29.54
-6.18%
31.49
+61.34%
19.52
Goodwill And Other Intangible Assets
2.68
-48.46%
5.21
-32.03%
7.66
-27.60%
10.58
Other Intangible Assets
2.68
-48.46%
5.21
-32.03%
7.66
-27.60%
10.58
Investments And Advances
680.91
-14.41%
795.54
+75.86%
452.36
-16.88%
544.20
Long Term Equity Investment
17.69
-14.96%
20.80
-11.79%
23.58
-8.31%
25.72
Total Liabilities Net Minority Interest
1,414.28
-19.70%
1,761.17
+26.89%
1,387.99
-10.37%
1,548.52
Payables And Accrued Expenses
42.12
+48.11%
28.44
-29.51%
40.34
-1.09%
40.79
Payables
42.12
+48.11%
28.44
+37.92%
20.62
-21.46%
26.25
Accounts Payable
29.34
+27.63%
22.98
+77.96%
12.92
-50.80%
26.25
Other Payable
—
—
—
—
Current Accrued Expenses
—
17.68
-10.37%
19.72
+35.70%
14.53
Total Tax Payable
12.78
+134.49%
5.45
-29.23%
7.70
0.00
Income Tax Payable
12.78
+134.49%
5.45
-29.23%
7.70
0.00
Current Debt And Capital Lease Obligation
36.00
-18.18%
44.00
+3020.57%
1.41
+92.10%
0.73
Current Debt
36.00
-18.18%
44.00
—
0.00
Current Capital Lease Obligation
—
1.19
-15.96%
1.41
+92.10%
0.73
Long Term Debt And Capital Lease Obligation
31.88
-82.79%
185.25
-11.15%
208.49
-1.50%
211.67
Long Term Debt
31.88
-82.79%
185.25
-11.15%
208.49
-1.50%
211.67
Long Term Capital Lease Obligation
—
—
—
0.01
Non Current Deferred Liabilities
3.81
+34.77%
2.83
—
1.70
Non Current Deferred Taxes Liabilities
3.81
+34.77%
2.83
—
1.70
Stockholders Equity
1,041.08
+129.65%
453.33
+39.55%
324.84
+99.79%
162.60
Common Stock Equity
1,041.08
+129.65%
453.33
+39.55%
324.84
+99.79%
162.60
Capital Stock
0.00
0.00
0.00
0.00
Common Stock
0.00
0.00
0.00
0.00
Share Issued
12.99
+20.66%
10.77
+10.57%
9.74
+13.25%
8.60
Ordinary Shares Number
12.99
+20.66%
10.77
+10.57%
9.74
+13.25%
8.60
Additional Paid In Capital
428.11
+250.08%
122.29
+36.53%
89.57
0.00
Retained Earnings
611.51
+84.30%
331.79
+39.15%
238.44
+38.24%
172.48
Gains Losses Not Affecting Retained Earnings
1.46
+294.79%
-0.75
+76.32%
-3.16
+68.01%
-9.89
Minority Interest
73.57
+368.34%
15.71
-84.05%
98.48
+6.80%
92.21
Other Equity Adjustments
1.46
+294.79%
-0.75
+76.32%
-3.16
+68.01%
-9.89
Total Equity Gross Minority Interest
1,114.64
+137.64%
469.04
+10.80%
423.32
+66.14%
254.81
Total Capitalization
1,072.95
+68.02%
638.59
+19.73%
533.34
+42.50%
374.27
Invested Capital
1,108.95
+62.46%
682.59
+27.98%
533.34
+42.50%
374.27
Total Debt
67.88
-70.39%
229.25
+9.22%
209.90
-1.18%
212.41
Capital Lease Obligations
—
1.19
-15.96%
1.41
+92.10%
0.73
Net Tangible Assets
1,038.39
+131.72%
448.13
+41.28%
317.18
+108.65%
152.02
Tangible Book Value
1,038.39
+131.72%
448.13
+41.28%
317.18
+108.65%
152.02
Investments In Other Ventures Under Equity Method
17.69
-14.96%
20.80
-11.79%
23.58
-8.31%
25.72
Line Of Credit
36.00
-18.18%
44.00
—
0.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
444.45
+33.94%
331.82
+43.86%
230.66
+1922250.00%
-0.01
Cash Flow From Continuing Operating Activities
444.45
+33.94%
331.82
+43.86%
230.66
+1922250.00%
-0.01
Net Income From Continuing Operations
320.39
+151.13%
127.58
+42.94%
89.26
+263.47%
-54.60
Depreciation And Amortization
11.22
+160.92%
4.30
-47.47%
8.18
+2.17%
8.01
Other Non Cash Items
1.43
+279.26%
0.38
+37700.00%
-0.00
+99.99%
-16.20
Stock Based Compensation
10.97
+7.67%
10.19
+9.00%
9.35
-38.12%
15.11
Asset Impairment Charge
—
0.00
0.00
-100.00%
2.28
Deferred Tax
-1.92
-179.72%
2.41
+318.33%
-1.10
+88.85%
-9.88
Deferred Income Tax
-1.92
-179.72%
2.41
+318.33%
-1.10
+88.85%
-9.88
Operating Gains Losses
-2.20
+42.80%
-3.85
+48.11%
-7.42
-109.55%
-3.54
Gain Loss On Investment Securities
-3.19
+5.64%
-3.38
+50.34%
-6.82
-940.32%
0.81
Unrealized Gain Loss On Investment Securities
-0.12
+95.35%
-2.64
+17.76%
-3.21
-144.95%
7.15
Net Foreign Currency Exchange Gain Loss
0.17
+29.32%
0.13
+121.67%
0.06
-44.44%
0.11
Gain Loss On Sale Of PPE
—
—
—
-3.12
Change In Working Capital
107.14
-45.29%
195.85
+40.95%
138.95
+182.83%
49.13
Change In Receivables
261.72
+230.34%
-200.81
-163.67%
315.41
+154.33%
-580.51
Changes In Account Receivables
261.72
+230.34%
-200.81
-163.67%
315.41
+154.48%
-578.91
Change In Prepaid Assets
51.21
+1336.90%
3.56
+112.58%
-28.33
+32.46%
-41.94
Change In Payables And Accrued Expense
7.96
+129.42%
3.47
-64.04%
9.65
+353.49%
-3.81
Change In Accrued Expense
10.89
+289.80%
2.79
-80.41%
14.26
+269.87%
-8.40
Change In Payable
-2.93
-532.50%
0.68
+114.68%
-4.61
-200.48%
4.59
Change In Account Payable
-2.93
-532.50%
0.68
+114.68%
-4.61
-200.48%
4.59
Change In Other Working Capital
6.46
+338.10%
-2.71
-125.83%
10.51
+722.94%
1.28
Change In Other Current Assets
-10.89
-128.66%
37.99
+277.11%
-21.45
-37.65%
-15.58
Investing Cash Flow
87.27
+133.55%
-260.11
-6193.00%
4.27
+100.98%
-434.54
Cash Flow From Continuing Investing Activities
87.27
+133.55%
-260.11
-6193.00%
4.27
+100.98%
-434.54
Net PPE Purchase And Sale
-3.63
+10.03%
-4.04
+37.90%
-6.50
-2.54%
-6.34
Purchase Of PPE
-3.63
+10.34%
-4.05
+37.68%
-6.50
-2.54%
-6.34
Sale Of PPE
0.00
-100.00%
0.01
0.00
0.00
Capital Expenditure
-3.63
+10.34%
-4.05
+51.11%
-8.29
+18.27%
-10.14
Net Investment Purchase And Sale
114.99
+147.44%
-242.36
-2393.81%
10.57
+102.39%
-442.47
Purchase Of Investment
-555.27
+33.63%
-836.64
-137.19%
-352.73
+44.69%
-637.77
Sale Of Investment
670.26
+12.79%
594.27
+63.58%
363.30
+86.02%
195.31
Net Business Purchase And Sale
0.00
+100.00%
-1.23
+16.86%
-1.48
+24.61%
-1.97
Purchase Of Business
0.00
+100.00%
-1.23
+16.86%
-1.48
+24.61%
-1.97
Net Intangibles Purchase And Sale
0.00
0.00
+100.00%
-1.79
+53.00%
-3.80
Purchase Of Intangibles
0.00
0.00
+100.00%
-1.79
+53.00%
-3.80
Net Other Investing Changes
—
—
—
14.50
Financing Cash Flow
146.20
+294.48%
-75.17
-212.00%
67.12
+63.43%
41.07
Cash Flow From Continuing Financing Activities
146.20
+294.48%
-75.17
-212.00%
67.12
+63.43%
41.07
Net Issuance Payments Of Debt
8.35
-80.58%
43.02
+846.84%
4.54
-97.10%
156.49
Issuance Of Debt
17.00
-61.36%
44.00
+266.67%
12.00
-93.04%
172.50
Repayment Of Debt
-8.65
-777.77%
-0.98
+86.79%
-7.46
+53.42%
-16.01
Long Term Debt Issuance
17.00
-61.36%
44.00
+266.67%
12.00
-93.04%
172.50
Long Term Debt Payments
-8.65
-777.77%
-0.98
+86.79%
-7.46
+53.42%
-16.01
Net Long Term Debt Issuance
8.35
-80.58%
43.02
+846.84%
4.54
-97.10%
156.49
Short Term Debt Payments
—
—
0.00
+100.00%
-15.00
Net Short Term Debt Issuance
—
—
0.00
+100.00%
-15.00
Net Common Stock Issuance
-1.52
-46.96%
-1.04
-101.24%
83.79
+194.88%
-88.31
Common Stock Payments
-1.52
-46.96%
-1.04
-32.27%
-0.78
+99.11%
-88.31
Common Stock Dividend Paid
-19.29
-16.21%
-16.60
-20.99%
-13.72
+9.94%
-15.23
Cash Dividends Paid
-19.29
-16.21%
-16.60
-20.99%
-13.72
+9.94%
-15.23
Repurchase Of Capital Stock
-1.52
-46.96%
-1.04
-32.27%
-0.78
+99.11%
-88.31
Proceeds From Stock Option Exercised
—
—
—
0.00
Net Other Financing Charges
158.66
+257.78%
-100.55
-1241.61%
-7.50
+36.91%
-11.88
Changes In Cash
677.92
+19647.81%
-3.47
-101.15%
302.04
+176.76%
-393.48
Effect Of Exchange Rate Changes
-0.23
-104.46%
-0.11
-166.67%
-0.04
+57.14%
-0.10
Beginning Cash Position
536.18
-0.66%
539.76
+127.02%
237.76
-62.34%
631.34
End Cash Position
1,213.87
+126.39%
536.18
-0.66%
539.76
+127.02%
237.76
Free Cash Flow
440.82
+34.49%
327.76
+47.40%
222.37
+2290.19%
-10.15
Interest Paid Supplemental Data
5.68
-55.12%
12.67
+36.96%
9.25
+50.25%
6.16
Income Tax Paid Supplemental Data
104.39
+126.18%
46.15
+143.08%
18.99
+12904.79%
0.15
Amortization Of Securities
-2.46
+27.91%
-3.41
+24.08%
-4.50
-367.95%
-0.96
Common Stock Issuance
0.00
0.00
-100.00%
84.57
0.00
Dividend Received CFO
0.00
-99.90%
1.02
-11.15%
1.15
-67.11%
3.49
Dividends Received CFI
2.29
-36.20%
3.59
+14.62%
3.13
-45.14%
5.71
Earnings Losses From Equity Investments
0.82
+237.35%
-0.60
+9.68%
-0.66
+85.17%
-4.46
Issuance Of Capital Stock
0.00
0.00
-100.00%
84.57
0.00
Net Investment Properties Purchase And Sale
-26.37
-64.15%
-16.07
-4811.44%
0.34
+295.98%
-0.17
Purchase Of Investment Properties
-28.39
-76.68%
-16.07
+24.94%
-21.41
-2445.18%
-0.84
Sale Of Investment Properties
2.01
0.00
-100.00%
21.75
+3160.27%
0.67
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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