ScoreWhy is HCI Group, Inc. ?
1
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%
2
With ROE of 25.26%, it has a fair valuation with a 3.72 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 60.55%, its profits have risen by 19.5% ; the PEG ratio of the company is 1.7
3
Market Beating Performance
- The stock has generated a return of 60.55% in the last 1 year, much higher than market (S&P 500) returns of 14.11%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to HCI Group, Inc. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is HCI Group, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
HCI Group, Inc.
-3.4%
2.62
33.81%
S&P 500
15.76%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.86%
EBIT Growth (5y)
6.50%
EBIT to Interest (avg)
0.01
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
26.22%
Dividend Payout Ratio
7.04%
Pledged Shares
0
Institutional Holding
89.62%
ROCE (avg)
0
ROE (avg)
11.15%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.88
EV to EBIT
NA
EV to EBITDA
39.79
EV to Capital Employed
-6.98
EV to Sales
0.89
PEG Ratio
0.05
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
28.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET PROFIT(9M)
Higher at USD 244.86 MM
NET SALES(Q)
Highest at USD 246.65 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 288.1 MM
INTEREST(Q)
At USD 1.08 MM has Grown at 17.44%
OPERATING PROFIT(Q)
Lowest at USD 112.06 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 45.43 %
Here's what is working for HCI Group, Inc.
Net Profit
At USD 244.86 MM has Grown at 76.88%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Sales
Highest at USD 246.65 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Profit
Higher at USD 244.86 MM
than preceding 12 month period ended Jun 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for HCI Group, Inc.
Interest
At USD 1.08 MM has Grown at 17.44%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Operating Cash Flow
Lowest at USD 288.1 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit
Lowest at USD 112.06 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 45.43 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
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