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Friday 6 November 2026
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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
- +40.6%
- Free cash flow
- +187.7%
- Total debt
- −4.03%
Quarter to September 2026, against a year earlier
186.31
5.72
−2.98%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
13.22 | 0.00 | 21.71 | 13.75 | 14.73 | 232.06 | 0.00 | 9.21 | 10.87 | 7.80 |
Piotroski F-Score |
5 | 3 | 7 | 8 | 7 | 6 | 1 | 8 | 6 | 8 |
P/S ratio |
1.38 | 1.11 | 1.73 | 1.43 | 1.24 | 1.66 | 0.70 | 1.34 | 1.55 | 2.48 |
P/FCF ratio |
4.16 | 18.90 | 15.78 | 6.90 | 5.51 | 7.34 | 0.00 | 3.33 | 3.57 | 5.10 |
P/Operating CF |
(100.50) | (7.75) | (468.71) | 21.69 | (1,755.51) | 14.13 | 19.14 | 4.83 | 15.60 | 20.20 |
P/B ratio |
1.49 | 1.39 | 2.21 | 1.86 | 1.91 | 2.08 | 2.17 | 2.26 | 2.49 | 2.01 |
Price to Tangible BV |
1.52 | 1.43 | 2.27 | 1.91 | 1.95 | 2.15 | 2.32 | 2.32 | 2.52 | 2.02 |
EV/Sales |
0.84 | 1.03 | 1.77 | 1.19 | 0.42 | 0.26 | 0.68 | 0.77 | 1.14 | 1.21 |
EV/EBITDA |
3.42 | 20.84 | 7.23 | 4.98 | 2.29 | 4.50 | 0.00 | 3.20 | 4.57 | 2.44 |
EV/Operating CF |
2.51 | 15.11 | 14.35 | 5.36 | 1.69 | 1.09 | (28,187.79) | 1.84 | 2.59 | 2.46 |
EV/FCF |
2.54 | 17.58 | 16.18 | 5.78 | 1.88 | 1.14 | (33.32) | 1.91 | 2.63 | 2.49 |
Quick Ratio |
1.18 | 0.79 | 0.70 | 0.61 | 0.97 | 1.07 | 0.22 | 0.62 | 0.38 | 0.95 |
Current Ratio |
1.18 | 0.79 | 0.70 | 0.61 | 0.97 | 1.07 | 0.22 | 0.62 | 0.38 | 0.95 |
Net Debt/EBITDA |
(2.18) | (1.56) | 0.18 | (0.97) | (4.42) | (24.45) | 0.49 | (2.50) | (1.64) | (2.56) |
Debt/Assets |
20.72% | 28.24% | 30.03% | 21.61% | 19.15% | 5.14% | 11.74% | 11.51% | 10.28% | 2.68% |
Debt/Equity |
0.57 | 1.23 | 1.38 | 0.93 | 0.90 | 0.19 | 1.31 | 0.64 | 0.49 | 0.06 |
Asset Turnover |
0.40 | 0.32 | 0.28 | 0.30 | 0.36 | 0.39 | 0.34 | 0.30 | 0.37 | 0.38 |
Operating CF/Net income |
3.21 | (2.59) | 1.55 | 2.15 | 2.96 | 52.68 | 0.00 | 2.92 | 3.14 | 1.55 |
Capex/Depreciation |
(0.14) | (0.27) | (0.22) | (0.32) | (0.74) | (0.58) | (1.44) | (2.25) | (4.56) | (0.41) |
Interest Coverage |
5.30 | 0.07 | 2.49 | 3.76 | 4.15 | 2.76 | (7.81) | 11.58 | 14.00 | 47.89 |
| 11.41% | (2.93%) | 9.82% | 13.69% | 13.51% | 0.70% | (22.66%) | 32.36% | 26.64% | 36.36% | |
| 4.20% | (0.85%) | 2.20% | 3.07% | 3.00% | 0.17% | (3.69%) | 4.37% | 5.24% | 12.06% | |
ROIC |
29.16% | (5.55%) | 8.78% | 17.48% | 0.00% | 0.00% | (31.63%) | 0.00% | 67.57% | 0.00% |
Return on Tangible Assets |
47.75% | 9.96% | (18.65%) | (16.95%) | (491.12%) | 3.03% | 5.63% | (19.89%) | (11.36%) | (639.55%) |
Average Days of Receivables |
30.01 | 53.74 | 30.66 | 34.49 | 86.45 | 64.96 | 29.05 | 101.14 | 24.84 | 23.83 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
9.91% | 10.28% | 11.20% | 12.83% | 10.90% | 11.14% | 11.31% | 9.78% | 8.42% | 8.01% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.59% | 1.85% | 2.00% | 2.66% | 2.62% | 3.37% | 3.02% | 1.70% | 1.36% | 1.22% |
Graham Net Nets |
(0.34) | (1.32) | (0.98) | (1.05) | (0.61) | (0.22) | (3.91) | (1.07) | (1.01) | (0.06) |
Graham Number |
41.65 | 0.00 | 34.82 | 42.76 | 46.75 | 18.02 | 0.00 | 91.91 | 106.19 | 229.49 |
Earnings Yield |
7.57% | (2.38%) | 4.61% | 7.27% | 6.79% | 0.43% | (16.23%) | 10.86% | 9.20% | 12.83% |
Free Cash Flow Yield |
24.04% | 5.29% | 6.34% | 14.48% | 18.16% | 13.63% | (2.91%) | 30.05% | 27.98% | 19.62% |
Revenue per Share |
28.36 | 28.56 | 29.36 | 31.99 | 42.23 | 50.41 | 56.66 | 65.81 | 75.03 | 77.17 |
Operating CF per Share |
9.47 | 1.94 | 3.63 | 7.13 | 10.52 | 11.93 | 0.00 | 27.57 | 33.19 | 38.07 |
Capex per Share |
(0.09) | (0.35) | (0.33) | (0.38) | (0.88) | (0.41) | (1.15) | (0.99) | (0.40) | (0.31) |
Free Cash Flow per Share |
9.37 | 1.60 | 3.30 | 6.75 | 9.64 | 11.52 | (1.15) | 26.58 | 32.79 | 37.76 |
Cash per Share |
30.08 | 29.99 | 30.48 | 30.33 | 59.00 | 78.02 | 26.97 | 64.51 | 53.63 | 103.97 |
Shareholders Equity per Share |
26.14 | 22.67 | 23.03 | 24.48 | 27.36 | 40.10 | 18.29 | 39.10 | 46.75 | 95.19 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
26.14 | 22.67 | 23.03 | 24.48 | 27.36 | 40.10 | 18.29 | 39.10 | 46.75 | 95.19 |
Free Cash Flow |
87.41 | 13.66 | 26.00 | 51.16 | 70.87 | 93.19 | (10.15) | 222.37 | 327.78 | 440.82 |
Working Capital |
46.17 | (76.85) | (112.22) | (162.92) | (18.08) | 46.24 | (995.08) | (426.52) | (961.54) | (73.81) |
Capital Expenditures |
(0.86) | (2.98) | (2.60) | (2.89) | (6.44) | (3.32) | (10.14) | (8.29) | (4.04) | (3.63) |
Net Current Asset Value |
(124.05) | (355.61) | (391.83) | (364.24) | (232.91) | (148.42) | (1,364.55) | (791.80) | (1,175.63) | (144.94) |
EV/EBIT |
3.78 | 206.17 | 9.12 | 5.89 | 2.69 | 5.96 | 0.00 | 3.29 | 4.59 | 2.49 |
Capex to Sales |
0.00 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 | 0.02 | 0.01 | 0.00 |
Price to Operating Income |
7.63 | 0.00 | 14.88 | 9.59 | 10.41 | 60.18 | 0.00 | 6.29 | 6.72 | 5.21 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.54 | 0.87 | 0.88 | 0.61 | 0.68 | 0.40 | 0.39 | 0.13 | 0.03 | 0.30 |
Cash ROIC |
13.18% | 1.98% | 3.87% | 8.69% | 8.69% | 9.17% | (1.66%) | 20.68% | 26.59% | 18.42% |
Accounts Receivable Turnover |
11.85 | 8.47 | 8.35 | 11.45 | 6.44 | 5.58 | 8.89 | 5.73 | 7.37 | 16.40 |
Accounts Payable Turnover |
0.68 | 0.67 | 0.41 | 0.39 | 0.48 | 0.57 | 0.51 | 0.29 | 0.37 | 0.27 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
544.50 | 646.27 | 899.33 | 963.37 | 838.58 | 712.65 | 963.80 | 1,161.51 | 1,119.06 | 1,251.72 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
22.31 | 28.86 | 27.71 | 21.17 | 48.22 | 73.06 | 56.18 | 96.17 | 101.81 | 54.94 |
Average Payables |
244.83 | 306.54 | 364.41 | 380.63 | 443.68 | 559.33 | 942.65 | 1,178.61 | 1,276.37 | 1,351.37 |
Average Assets |
653.53 | 756.16 | 837.56 | 817.74 | 871.96 | 1,059.09 | 1,490.09 | 1,807.32 | 2,020.76 | 2,379.57 |
Average Common Equity |
240.73 | 218.86 | 187.71 | 183.49 | 193.34 | 262.82 | 242.88 | 244.21 | 397.26 | 789.32 |
Columns are period end dates · fundamentals updated 6 Nov 2026