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HCI Group, Inc.

HCI Financial Insurance Property & Casualty

HCI Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $900.9 million, up 20.1% from fiscal 2024.

Revenue
+13.2%
EPS
+32.1%
Free cash flow
+187.7%
Total debt
−4.03%

Quarter to September 2026, against a year earlier

191.78 10.75 −5.31%
Market cap
$2.4B
P/E
7.5×
Fwd P/E
9.1×
Dividend yield
0.83%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 12.58%

Capital & Financial Ratios $m

Size
Market Cap 2,390.00
Revenue ttm 980.69
Net income ttm 362.17
Free cash flow ttm 457.94
Net debt Q (680.87)
Valuation
P/E 7.50
Forward P/E 9.09
Price / sales 2.38
Forward P/S Powerpack
Price / FCF 5.11
Price / book 1.91
Financial health
Current ratio Q 0.69
Debt / equity Q 0.06
Interest coverage Q 80.65
Growth
Revenue growth Q +13.20% (above 0%: growing)
Operating income growth Q +28.36% (above 0%: growing)
EPS, this year −3.81% (below 0%: weak)
EPS, next year A −8.14% (below 0%: weak)
Revenue, next year A +10.67% (at or above 10%: strong)
EPS, past 5 yrs +51.52% (at or above 15%: strong)
EPS, next 5 yrs A −4.47% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 18.34%
10-year low 10-year high
P/S against its own 10 years 93.14%
10-year low 10-year high
P/B against its own 10 years 52.33%
10-year low 10-year high

Dividends

Yield
0.83%
Annual rate
1.60
Payout ratio
6.46%
Growth, 2018–26
+1.02%/yr
  1. 1.48 ’18
  2. 1.60 ’19 +8
  3. 1.60 ’20 +0
  4. 1.60 ’21 +0
  5. 1.60 ’22 +0
  6. 1.60 ’23 +0
  7. 1.60 ’24 +0
  8. 1.60 ’25 +0
  9. 1.60 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 540 536 1,214 748
Receivables 153 51 59 —
Inventory — — — —
Other — — — —
692 587 1,273 —
2023 2024 2025 Q'26
Payables 1,099 1,454 1,249 —
ST’ Debt — 44 36 36
Other — — — —
1,119 1,549 1,347 —

Compound Annual Growth %

10y 5y 3y
Sales 12.16% 23.75% 21.72%
Cash Flow 25.66% 41.88% 0.00%
Earnings 16.47% 61.50% 0.00%
Book Value 16.67% 40.76% 90.30%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 5.01 Actual 6.45

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 4.87 7.25 Beat by 2.38
Q1 FY26 5.13 5.45 Beat by 0.32
Q2 FY26 4.97 5.60 Beat by 0.63
Q3 FY26 5.01 6.45 Beat by 1.44
Q4 FY26 5.44 — Reports 24 February 2027

EPS $

Mar Jun Sep Dec Year
’26 5.45 5.60 6.45 — —
’25 5.35 5.18 4.90 7.25 22.72
’24 3.81 4.24 0.52 0.23 8.89
’23 1.54 1.28 1.34 3.40 7.62
’22 0.09 (1.04) (5.66) 0.18 (6.24)
’21 0.75 0.24 (0.72) 0.01 0.21
’20 0.07 0.92 1.70 0.26 2.85
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 243 247 245 — —
’25 216 222 216 246 901
’24 207 206 175 162 750
’23 129 127 132 163 551
’22 127 126 127 120 500
’21 95 102 99 112 408
’20 55 81 104 70 310
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 149 125 75 — —
’25 162 145 27 111 444
’24 182 (29) 104 75 332
’23 99 (93) 71 153 231
’22 57 (36) (40) 18 0
’21 36 60 (47) 48 97
’20 55 55 (32) 0 77
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 148 125 74 — —
’25 160 144 26 110 441
’24 181 (30) 103 74 328
’23 98 (94) 67 152 222
’22 52 (38) (41) 17 (10)
’21 35 59 (48) 47 93
’20 55 50 (33) (1) 71
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 264 244 231 242 310 408 500 551 750 901 981 +14.6% 997 1,066 1,124 +7.7%
Gross margin, % 36.73 16.00 35.89 38.13 31.10 21.24 4.63 37.28 36.79 59.57 60.98 +22.8 pt
EBT 47 (16) 27 36 37 11 (68) 118 173 429 487 +27.9%
EBT margin, % 17.72 (6.39) 11.63 14.89 11.90 2.75 (13.70) 21.36 23.12 47.65 49.62 +29.9 pt
Net income 29 (7) 18 27 28 7 (55) 89 128 320 362 +30.6%
Per share, $
Per share, $ Revenue 28.36 28.56 29.36 31.99 42.23 50.41 56.66 65.81 75.03 77.17 80.73 +11.8%
Earnings 2.95 (0.75) 2.34 3.32 3.55 0.23 (6.24) 9.13 10.59 24.58 25.57 +26.6%
Cash flow 9.47 1.94 3.63 7.13 10.52 11.93 0.00 27.57 33.19 38.07 37.83 +16.7%
Capex (0.09) (0.35) (0.33) (0.38) (0.88) (0.41) (1.15) (0.99) (0.40) (0.31) (0.13) +14.4%
Free cash flow 9.37 1.60 3.30 6.75 9.64 11.52 (1.15) 26.58 32.79 37.76 37.70 +16.7%
Book value 26.14 22.67 23.03 24.48 27.36 40.10 18.29 39.10 46.75 95.19 100.23 +15.4%
Shares, m 9 9 8 8 7 8 9 8 10 12 12 +2.5%
Valuation, ×
Valuation, × P/E 13.22 0.00 21.71 13.75 14.73 232.06 0.00 9.21 10.87 7.80 7.50 32.3
P/S 1.38 1.11 1.73 1.43 1.24 1.66 0.70 1.34 1.55 2.48 2.38 1.5
P/B 1.49 1.39 2.21 1.86 1.91 2.08 2.17 2.26 2.49 2.01 1.91 2.0
EV/Sales 0.84 1.03 1.77 1.19 0.42 0.26 0.68 0.77 1.14 1.21 — 0.9
EV/FCF 2.54 17.58 16.18 5.78 1.88 1.14 (33.32) 1.91 2.63 2.49 — 1.9
Cash, $m
Cash, $m Operating cash flow 88 17 29 54 77 97 0 231 332 444 460 +19.7%
Capex (1) (3) (3) (3) (6) (3) (10) (8) (4) (4) (2) +17.3%
Free cash flow 87 14 26 51 71 93 (10) 222 328 441 458 +19.7%
Balance, $m
Balance, $m Working capital 46 (77) (112) (163) (18) 46 (995) (427) (962) (74) (420) n/m
Net debt (142) (19) 10 (56) (253) (571) (26) (331) (307) (1,146) (681) +26.1%
Shareholders’ equity 244 194 181 186 201 325 161 327 467 1,111 1,218 +18.4%
Returns, %
Returns, % ROA 4.20 (0.85) 2.20 3.07 3.00 0.17 (3.69) 4.37 5.24 12.06 0.00 +7.9 pt
ROIC 29.16 (5.55) 8.78 17.48 0.00 0.00 (31.63) 0.00 67.57 0.00 56.67 (29.2) pt
ROE 11.41 (2.93) 9.82 13.69 13.51 0.70 (22.66) 32.36 26.64 36.36 0.00 +25.0 pt
People
People Employees 246 334 387 413 436 513 578 547 552 594 — +10.3%
Revenue/emp, $m 1.07 0.73 0.60 0.59 0.71 0.80 0.86 1.01 1.36 1.52 — +3.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

HCI Group, Inc. vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PLMR Palomar Holdings, Inc. $4.1B 20.2× 17.7× +54.65% (above 0%: growing) +14.94% (above 0%: growing) +38.21% (above 0%: growing) 23.77% 23.77% Compare
LMND Lemonade, Inc. $3.2B — (loss-making) — (loss-making) +72.80% (above 0%: growing) n/m −26.92% (below 0%: shrinking) 44.24% (12.85%) Compare
SLDE Slide Insurance Holdings, Inc. $3.1B 5.4× 6.9× +35.89% (above 0%: growing) +33.02% (above 0%: growing) −301.53% (below 0%: shrinking) 59.14% 45.24% Compare
SKWD Skyward Specialty Insurance Group, Inc. $2.8B 14.4× 13.6× +53.03% (above 0%: growing) +14.58% (above 0%: growing) −23.60% (below 0%: shrinking) 43.47% 14.78% Compare
HCI HCI Group, Inc. $2.4B 7.5× 9.1× +13.20% (above 0%: growing) +32.08% (above 0%: growing) +187.69% (above 0%: growing) 60.37% 48.08%
PRCH Porch Group, Inc. $2.3B 344× 294× +13.02% (above 0%: growing) n/m +50.01% (above 0%: growing) 74.98% 12.57% Compare
HMN Horace Mann Educators Corporation $2.2B 12.1× 11.2× +0.16% (above 0%: growing) +0.73% (above 0%: growing) +70.37% (above 0%: growing) 50.05% 18.72% Compare
KMPR Kemper Corporation $2.1B — (loss-making) — (loss-making) −10.84% (below 0%: shrinking) n/m −76.71% (below 0%: shrinking) 0.17% (41.92%) Compare
SAFT Safety Insurance Group, Inc. $1.5B 22.4× — (loss-making) +2.95% (above 0%: growing) +21.03% (above 0%: growing) +16.88% (above 0%: growing) 14.33% 13.69% Compare
Median of peers $2.6B 17.3× 13.6× +24.46% +14.94% −3.36% 43.86% 14.23%

All 46 Insurance Property & Casualty stocks →

Pay and ownership Proxy statement filed 29 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 8.24m 55.29m 406.00
2024 20.20m 21.51m 244.00
2023 3.66m 8.45m 180.00
2022 1.03m (23.92m) 79.00
2021 7.74m 29.12m 163.00

Ownership

Directors and executive officers, together 18.47%
Paresh Patel 12.18%
Blackrock, Inc. 9.90%
Hood River Capital Management, LLC 5.82%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

HCI Group, Inc. (HCI) Latest News

5 Nov

Impact 3 · · The Motley Fool transcript
Impact 3 · · GuruFocus.com

4 Nov

Impact 3 · · Associated Press
Impact 3 · · GlobeNewswire

28 Oct

Impact 4 · · Zacks
Impact 3 · · Simply Wall St.
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27 Oct

Impact 3 · · Zacks

22 Oct

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21 Oct

Impact 3 · · GlobeNewswire

20 Oct

Impact 3 · · Zacks
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19 Oct

Impact 3 · · StockStory
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14 Oct

Impact 3 · · Zacks
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13 Oct

Impact 3 · · Zacks

8 Oct

Impact 4 · · Simply Wall St.
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7 Oct

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6 Oct

Impact 4 · · Zacks

1 Oct

Impact 3 · · StockStory
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30 Sep

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25 Sep

Impact 3 · · Zacks

22 Sep

Impact 3 ·

21 Sep

Impact 3 · · Zacks

18 Sep

Impact 3 ·

3 Sep

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25 Aug

Impact 3 ·

HCI metrics, ten years each

stockrow.com/HCI · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com