HCI Share Price | HCI Group, Inc. Stock Analysis & Recommendation

Q: What does HCI Group, Inc. do?

Overview:HCI Group, Inc. is an insurance holding company operating in the insurance industry, specifically within the micro-cap market.Financial Snapshot:Most recent Net Profit: 74 Million (Quarterly Results - Mar 2025)Market cap: USD 1,778.11 Million (Micro Cap)Key Metrics:P/E: 15.00Dividend Yield: 0.00%Debt Equity: -999,999.00Return on Equity: 25.26%Price to Book: 3.40Contact Details:Address: 5300 W Cypress St Ste 100, TAMPA FL: 33607-1712Tel: 1 813 8499500Website: http://hcigroup.com/

Q: Is HCI Group, Inc. overvalued or undervalued?

As of 7 November 2024, HCI Group, Inc. has moved from an attractive to a fair valuation grade. The company appears to be fairly valued based on its current metrics, with a P/E ratio of 15, a Price to Book Value of 3.72, and a PEG Ratio of 1.68. In comparison to peers, Mercury General Corp. has a more attractive P/E of 11.03, while Palomar Holdings, Inc. shows a higher P/E of 21.54, indicating that HCI Group is positioned in the middle of its peer group.Recent performance shows that HCI Group has significantly outperformed the S&P 500, with a year-to-date return of 58.96% compared to the S&P 500's 12.22%. This strong performance reinforces the notion that while the stock is fairly valued, it has been a strong performer in the market.

Q: Is HCI Group, Inc. technically bullish or bearish?

As of 27 August 2025, the technical trend for HCI Group, Inc. has changed from mildly bullish to bullish. The weekly and monthly MACD, Bollinger Bands, KST, and Dow Theory indicators are all bullish, supporting a strong bullish stance. The daily moving averages also confirm this bullish trend. The On-Balance Volume (OBV) is mildly bullish on both weekly and monthly time frames, indicating some accumulation. In terms of performance, HCI Group has significantly outperformed the S&P 500 across multiple periods, with a year-to-date return of 58.96% compared to the S&P 500's 12.22%, and a one-year return of 73.45% versus 17.14%. Overall, the current technical stance is bullish with strong momentum.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

97.83 k

Shareholding (Sep 2025)

FII

10.93%

Held by 95 FIIs

DII

57.03%

Held by 34 DIIs

Promoter

0.08%

How big is HCI Group, Inc.?

22-Jun-2025

As of Jun 18, HCI Group, Inc. has a market capitalization of $1.78 billion, with net sales of $0 million and a net profit of $144.85 million over the latest four quarters. As of Dec 24, the company reported shareholder's funds of $453.33 million and total assets of $1.58 billion.

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What does HCI Group, Inc. do?

22-Jun-2025

HCI Group, Inc. is an insurance holding company in the micro-cap market, with a recent net profit of $74 million and a market cap of $1.78 billion. Key metrics include a P/E ratio of 15.00 and a return on equity of 25.26%.

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Who are in the management team of HCI Group, Inc.?

22-Jun-2025

As of March 2022, the management team of HCI Group, Inc. includes Chairman and CEO Paresh Patel, Division President of Real Estate Anthony Saravanos, Directors Sanjay Madhu, Wayne Burks, James Macchiarola, Gregory Politis, and Independent Director Loreen Spencer. They oversee the company's operations and strategic direction.

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Is HCI Group, Inc. overvalued or undervalued?

20-Sep-2025

As of November 7, 2024, HCI Group, Inc. is fairly valued with a P/E ratio of 15 and has outperformed the S&P 500 with a year-to-date return of 58.96%.

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Is HCI Group, Inc. technically bullish or bearish?

20-Sep-2025

As of August 27, 2025, HCI Group, Inc. has a bullish technical trend supported by positive indicators and strong performance, boasting a year-to-date return of 58.96% compared to the S&P 500's 12.22%.

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Compare HCI Group, Inc. with Similar Stocks

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Score

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Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

Strong Long Term Fundamental Strength with a 24.41% CAGR growth in Net Sales

OPERATING CASH FLOW(Y) Highest at USD 487.78 MM
PRE-TAX PROFIT(Q) At USD 94.39 MM has Grown at 92.31%
NET PROFIT(Q) At USD 66.16 MM has Grown at 100.45%

With ROE of 25.26%, it has a fair valuation with a 3.72 Price to Book Value

Market Beating Performance

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

USD 2,205 Million (Small Cap)

P/E

15.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

24.82%

Price to Book

2.68

Revenue and Profits:

Net Sales:

(Quarterly Results - Sep 2025)

Net Profit:

68 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

22.02%

6 Months

43.25%

1 Year

68.86%

2 Years

179.18%

3 Years

154.31%

4 Years

87.28%

5 Years

248.69%

HCI Group, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

24.41%

EBIT Growth (5y)

6.50%

EBIT to Interest (avg)

0.01

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

26.22%

Dividend Payout Ratio

18.00%

Pledged Shares

Institutional Holding

85.62%

ROCE (avg)

ROE (avg)

11.15%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

3.72

EV to EBIT

EV to EBITDA

183.67

EV to Capital Employed

-1.74

EV to Sales

1.19

PEG Ratio

1.68

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

25.26%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

Bullish

No Signal

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 57 Schemes (31.9%)

Foreign Institutions

Held by 95 Foreign Institutions (10.93%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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          "val2": "3.70",
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          "val1": "0.00",
          "val2": "0.00",
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          "chgp_class": "negative"
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          "field": "Interest",
          "val1": "13.30",
          "val2": "11.10",
          "chgp": "19.82%",
          "chgp_class": "negative"
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          "val2": "0.00",
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          "val1": "127.60",
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          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "233.80%",
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Quarterly Results Snapshot (Consolidated) - Sep'25 - QoQ

Sep'25

Jun'25

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

2.30

4.50

-48.89%

Interest

1.00

3.70

-72.97%

Exceptional Items

0.00

Consolidate Net Profit

67.90

70.30

-3.41%

Operating Profit Margin (Excl OI)

520.30%

532.90%

-1.26%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Sep 2025 is 0.00% vs 0.00% in Jun 2025

Consolidated Net Profit

QoQ Growth in quarter ended Sep 2025 is -3.41% vs -5.26% in Jun 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

4.30

8.20

-47.56%

Interest

13.30

11.10

19.82%

Exceptional Items

0.00

Consolidate Net Profit

127.60

89.30

42.89%

Operating Profit Margin (Excl OI)

249.00%

233.80%

1.52%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 42.89% vs 263.55% in Dec 2023

All Annual Results

Company CV

About HCI Group, Inc.

HCI Group, Inc.

Insurance

HCI Group, Inc. (HCI) is an insurance holding company. The Company operates through four operating divisions: property and casualty insurance, reinsurance, investment real estate and information technology. Its operations include Insurance Operations and Other Operations. Its Insurance Operations include property and casualty insurance, and reinsurance. The Company, through its subsidiary, Homeowners Choice Property & Casualty Insurance Company, Inc. (HCPCI), provides property and casualty insurance to homeowners, condominium owners and tenants on properties located in Florida. HCPCI also offers flood-endorsed and wind-only policies to new and pre-existing Florida customers. Its Other Operations include information technology (IT) and real estate. The Company's real estate operations consist of multiple properties it owns and operates.

Company Coordinates

Company Details

5300 W Cypress St Ste 100 , TAMPA FL : 33607-1712

Tel: 1 813 8499500

http://hcigroup.com/

Registrar Details

HCI Group, Inc.

1Day

52 Week

CASH

FII

DII

Promoter

How big is HCI Group, Inc.?

Watch in Real-Time

What does HCI Group, Inc. do?

Who are in the management team of HCI Group, Inc.?

Is HCI Group, Inc. overvalued or undervalued?

Is HCI Group, Inc. technically bullish or bearish?

Compare HCI Group, Inc. with Similar Stocks

MarketsMojo — Loved in India, Now Global

Dashboard

Strong Long Term Fundamental Strength with a 24.41% CAGR growth in Net Sales

With ROE of 25.26%, it has a fair valuation with a 3.72 Price to Book Value

Market Beating Performance

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

News

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

Quarterly Results Snapshot (Consolidated) - Sep'25 - QoQ

Annual Results Snapshot (Consolidated) - Dec'24

About HCI Group, Inc.

Company Coordinates