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Home CompaniesHCI Group Inc

HCI Group Inc

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
186.03 USD -6.00 ( 3.12%)
Last update at 2026-11-06T21:00:00Z
VOLUME
164111
Market Cap
2316.37M
P/E
8.03

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
184.00
Low
191.11
High
52 Week Price Range
144.06
Low
208.47
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

HCI Group, Inc. is a publicly traded property and casualty insurance holding company that underwrites homeowners and related policies in regional U.S. markets, including areas with hurricane exposure. Long-term growth may be supported by underwriting discipline, pricing traction after market disruptions, and selective portfolio or geographic expansion, and investors may find exposure to premium growth and potential underwriting margin improvement attractive.
Material risks include significant catastrophe and weather-related loss exposure, rising reinsurance and capital costs, regulatory and rate-setting pressure in key states, and the need for prudent reserve management.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
192.03
Dividend Yield
0.86%
Revenue TTM
952.13M
Revenue Per Share
76.53
Gross Profit TTM
568.67M
Debt / Equity
0.07
ROE
34.97%
Net Debt
-1142.25M
ROCE
36.30%
Diluted EPS TTM
23.20

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 429.33M 173.43M 117.65M -68.42M 11.23M
Minority interest -21.39M -17.63M -10.22M 3.91M 5.39M
Net income 299.00M 109.95M 79.03M -54.60M 7.24M
Selling general administrative 72.12M 63.15M 53.87M 56.51M 45.43M
Gross profit 659.12M 275.34M 204.61M 471.47M 386.07M
Reconciled depreciation 11.22M 4.30M 8.55M 8.01M 5.55M
Ebit 438.49M 186.71M 128.69M -64.68M -0.60M
Ebitda 449.70M 191.01M 136.87M -56.67M 4.95M
Depreciation and amortization 11.22M 4.30M 8.18M 8.01M 5.55M
Operating income 429.33M 173.43M 117.65M -64.68M -0.60M
Other operating expenses 471.62M 576.03M 432.36M 564.86M 396.68M
Interest expense 9.16M 13.34M 11.12M 7.77M 6.40M
Tax provision 108.94M 45.85M 28.39M -13.81M 3.99M
Interest income 9.03M 10.70M 7.90M 7.77M 6.40M
Net interest income -9.16M -13.34M -11.12M -7.77M -8.15M
Income tax expense 108.94M 45.85M 28.39M -13.81M 3.99M
Total revenue 900.95M 749.45M 550.01M 496.45M 407.92M
Total operating expenses 229.79M 101.92M 86.96M 56.51M -408.51M
Cost of revenue 241.83M 474.11M 345.40M 24.98M 21.84M
Total other income expense net 4.13M -13.34M -356.52M -3.73M 11.83M
Net income from continuing ops 320.39M 127.58M 89.26M -54.60M 7.24M
Net income applicable to common shares 286.96M 105.84M 76.41M -58.51M 1.83M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2528.93M 2230.21M 1811.32M 1803.33M 1176.86M
Intangible assets 62.41M 5.21M 7.66M 10.58M 10.64M
Other current assets 53.88M -1669.27M 859.62M 710.02M 79.40M
Total liab 1414.28M 1761.17M 1387.99M 1548.52M 762.40M
Total stockholder equity 1041.08M 453.33M 324.84M 162.60M 323.37M
Deferred long term liab - - - 1.70M 11.74M
Other current liab 580.31M -29.62M 266.52M 17.64M -21.22M
Common stock 0.00M 0.00M 0.00M 0.00M 0.01M
Capital stock 0.00M 0.00M 0.00M 0.00M 0.00M
Retained earnings 611.51M 331.79M 238.44M 172.48M 246.79M
Other liab - - - 25.07M 43.22M
Other assets 630.12M 2230.21M -323.14M -238.78M 206.20M
Cash 1210.13M 532.47M 536.48M 234.86M 628.94M
Cash and equivalents 1210.13M 532.47M 536.48M 234.86M 628.94M
Total current liabilities 1321.06M 41.85M 296.25M 26.97M 21.22M
Current deferred revenue 662.63M - 7.70M 0.00M -
Net debt -1142.25M -346.03M -326.57M -22.45M -566.24M
Short term debt 36.00M 1.19M 1.41M 0.72M 17.20M
Short long term debt 36.00M 44.00M - 0.00M 15.00M
Short long term debt total 67.88M 186.44M 209.90M 212.41M 62.71M
Other stockholder equity 428.11M 122.29M 89.57M -9.89M 76.08M
Property plant equipment 28.94M 30.73M 30.66M 17.91M 16.44M
Total current assets 1643.99M 97.75M 859.62M 1468.64M 820.77M
Long term investments 680.91M 795.54M 452.36M 617.54M 197.07M
Net tangible assets - - - 245.57M 312.73M
Short term investments 31.27M 521.30M 234.03M 483.90M 42.58M
Net receivables 348.72M 615.49M 547.79M 728.12M 149.24M
Long term debt 31.88M 185.25M 208.49M 211.67M 45.50M
Inventory - - -1318.30M - -
Accounts payable 29.34M 22.98M 12.92M 8.61M 4.02M
Noncontrolling interest in consolidated entity - - - -1.34M 1.14M
Accumulated other comprehensive income 1.46M -0.75M -3.16M -9.89M 0.50M
Retained earnings total equity - - - 172.48M 246.79M
Non currrent assets other 32.97M -832.29M 1185.53M -0.00M -0.90M
Non current assets total 884.94M 2230.21M 1274.84M 573.47M 149.89M
Capital lease obligations - 1.19M 1.41M 0.73M 2.23M
Long term debt total 31.88M 185.25M 208.49M 211.69M 45.50M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 114.99M -260.11M 4.27M -448.85M 27.03M
Change to liabilities - - - -7.09M 101.30M
Total cashflows from investing activities 240.12M -260.11M 4.27M -434.54M 36.85M
Net borrowings 8.35M 43.02M 4.54M 151.46M -0.15M
Total cash from financing activities -8.94M -75.17M 67.12M 41.07M 64.30M
Change to operating activities - - - 8.57M -24.20M
Net income 320.39M 109.95M 76.41M -54.60M 7.24M
Change in cash 677.69M -3.58M 302.00M -393.58M 197.60M
Begin period cash flow 536.18M 539.76M 237.76M 631.34M 433.74M
End period cash flow 1213.87M 536.18M 539.76M 237.76M 631.34M
Total cash from operating activities 446.74M 331.82M 230.66M -0.01M 96.50M
Issuance of capital stock 0.00M 0.00M 84.57M - -
Depreciation 11.22M 4.30M 8.18M 8.01M 5.55M
Other cashflows from investing activities 2.01M -12.46M 0.04M 20.66M 13.14M
Dividends paid 19.29M 16.60M 13.72M -15.23M -14.06M
Change to inventory - - -182.35M - 63.13M
Change to account receivables 261.72M -203.31M 313.85M -578.91M 8.72M
Sale purchase of stock -1.52M -1.04M -0.78M -88.31M -1.31M
Other cashflows from financing activities 5.18M -100.55M -7.50M 145.62M 89.40M
Change to netincome - - - 7.19M 16.47M
Capital expenditures 3.63M 4.05M 6.50M 10.14M 3.32M
Change receivables - - - -595.84M -54.74M
Cash flows other operating - - - 643.29M 1.41M
Cash and cash equivalents changes - - - -393.48M 197.66M
Change in working capital 107.14M 195.85M 138.95M 49.13M 76.24M
Stock based compensation 10.97M 10.19M 9.35M 15.11M 13.75M
Other non cash items -1.07M 9.12M -2.88M -7.78M -7.43M
Free cash flow 444.45M 327.76M 224.16M -10.15M 93.19M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
HCI
HCI Group Inc		 -6.00
3.12%		 186.03 8.03 9.43 2.43 2.15 1.59
CB
Chubb Ltd		 -6.61
1.78%		 365.02 12.11 11.83 2.13 1.75 2.45
PGR
Progressive Corp		 -5.41
2.32%		 227.77 11.10 13.55 1.41 3.74 1.50
TKOMF
Tokio Marine Holdings Inc.		 -
-%		 3.80 28.94 12.24 0.01 1.87 1.61
TKOMY
Tokio Marine Holdings Inc		 -0.14
3.59%		 3.63 28.73 12.25 0.01 1.87 1.61

Profile*

HCI Group Inc

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.

3802 Coconut Palm Drive, Tampa, FL, United States, 33619

813 849 9500

https://www.hcigroup.com

594

Name Title Year Born
Mr. Pareshbhai Suryakant Patel Founder, Chairman, Pres & CEO 1963
Mr. Gregory Politis Co-Founder & Lead Independent Director 1953
Mr. James Mark Harmsworth CPA Chief Financial Officer 1964
Ms. Karin Sue Coleman COO & Director 1961
Mr. Andrew Lloyd Graham VP, Gen. Counsel & Company Sec. 1958
Mr. Anthony Saravanos Pres of Greenleaf Capital LLC & Director 1971
Mr. Kevin Andrew Mitchell Sr. VP of Investor Relations 1980
Rachel Swansiger Esq. Investor Relations Officer NA
Mr. Pareshbhai Suryakant Patel Founder, Chairman, President & CEO 1963
Mr. Andrew Lloyd Graham J.D. VP, General Counsel & Company Secretary 1958

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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