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HCI Group, Inc.

NYSE•HCI
CEO: Mr. Pareshbhai Suryakant Patel
Sector: Financial Services
Industry: Insurance - Property & Casualty
Listing Date: 2008-09-15
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, insurance management, reinsurance, real estate, and information technology businesses in Florida. It provides residential insurance products, such as homeowners, fire, flood, and wind-only insurance to homeowners, condominium owners, and tenants for properties, as well as offers reinsurance programs. The company also owns and operates waterfront properties and retail shopping centers, and an office building, as well as commercial properties for investment purposes. In addition, it designs and develops web-based applications and products for mobile devices, including SAMS, an online policy administration platform; Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; and AtlasViewer, a mapping and data visualization platform. 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.
Contact Information
3802 Coconut Palm Drive, Tampa, FL, 33619, United States
813-849-9500
hcigroup.com
Market Cap
$2.12B
P/E (TTM)
6.2
11.2
Dividend Yield
1.0%
52W High
$210.50
52W Low
$129.58
52W Range
41%
Rank52Top 73.5%
2.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$246.24M+0.00%
4-Quarter Trend

EPS

$9.47+0.00%
4-Quarter Trend

FCF

$110.93M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Revenue and Profit Growth Total revenue reached $900.95M, increasing by $150.90M; Net income after NCI surged $189.05M to $299.01M.
Diluted EPS Substantial Increase Diluted Earnings Per Share was $22.72 USD, reflecting a substantial increase of $13.83 compared to the prior year.
Policy Volume Expansion Policies in force grew to 313,400 as of year-end 2025, up from 271,300 in 2024, driven by policy assumptions.

Risk Factors

Florida Concentration Risk Business concentration in Florida subjects financial condition to disproportionately adverse impacts from catastrophic weather events.
Loss Reserve Estimation Subjectivity Liability for losses and LAE involves complex, subjective actuarial estimates, risking material variance from ultimate settlement costs.
Conflicts with Exzeo Stockholders Conflicts of interest may arise between HCI and Exzeo interests following Exzeo's November 2025 initial public offering.

Outlook

Exzeo IPO Positions Technology Exzeo completed IPO in November 2025; HCI retains 82.5% ownership, focusing Exzeo on technology solutions provider role.
Pursuing Geographical Diversification Strategy includes pursuing opportunities to expand insurance business within Florida and into other states for diversification.
Technology Streamlining Operations Utilizing Exzeo's proprietary platform to drive underwriting efficiency, streamline claims processing, and enhance service capabilities.

Peer Comparison

Revenue (TTM)

KMPR stock ticker logoKMPR
$4.79B
+3.4%
STC stock ticker logoSTC
$2.92B
+17.3%
BANC stock ticker logoBANC
$1.81B
-3.3%

Gross Margin (Latest Quarter)

PRK stock ticker logoPRK
83.5%
+4.2pp
HCI stock ticker logoHCI
78.9%
+30.0pp
PLMR stock ticker logoPLMR
72.0%
+2.4pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PLMR$3.20B16.122.8%0.3%
SBCF$2.95B20.25.8%6.4%
BOH$2.93B14.211.6%0.4%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.3%
Moderate Growth
4Q Net Income CAGR
11.9%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:May 6, 2026
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LTM
No Data