HCI Group, Inc.

Valuation Analysis

About the Company

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 i

HCI Group, Inc. Stock at a Glance

HCI Group, Inc. (HCI) is currently trading at $160.45 with a market capitalization of $2B. The trailing P/E ratio stands at 7.03x, with a forward P/E of 8.86x. The 52-week range spans from $136.37 to $210.50; the current price is 23.8% below the yearly high. Year-over-year revenue growth stands at +12.2%. The net profit margin stands at 32.64%.

💰 Dividend

HCI Group, Inc. pays an annual dividend of $1.60 per share, representing a yield of 1%. The payout ratio stands at 7.01%.

📊 Analyst Rating

2 analysts rate HCI Group, Inc. (HCI) on consensus: Buy. The average price target is $245.00, implying +52.7% from the current price. Analyst price targets range from $235.00 to $255.00.

HCI Group, Inc.: The Investment Case in Detail

HCI Group, Inc. (HCI) operates in the Financial Services — specifically Insurance - Property & Casualty — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 12.2% pace year-over-year, suggesting the business model continues to find new customers and pricing power. The combination of a 59.56% gross margin and 47.89% operating margin shows the business converts revenue into profit efficiently — a hallmark of competitive moat. Return on equity of 38.46% places management among the most capital-efficient operators in the public market — every euro of shareholder capital is working hard.

Valuation in Context

With a PEG ratio of 0.97, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity. The EV/EBITDA multiple of 2.58x is below the historical equity-market average — strategic acquirers would find the cash-flow profile attractive at this level.

What to Watch Next

• The analyst consensus price target implies 52.7% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

The price is in a transition zone relative to the moving averages — no clear signal.

Risk Profile

The data points to market-like volatility.

Trading Data

💵 Dividend Info

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