Saturday 17 October 2026 Export HCI’s income statement to Excel — free account

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. In the quarter to June 2026, revenue grew 11.2%, EPS grew 3.77%, free cash flow fell 13.6% and total debt rose 21.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five, operating cash flow growth for three.

198.03 1.65 +0.84%

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Market cap: $2.4B
P/E: 8.3×
Fwd P/E: 8.6×
Dividend yield: 0.81%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 13.44%

Capital & Financial Ratios $m

Market Cap 2,440.00

Revenue 952.13

Net Income 343.83

Free Cash Flow 409.37

Net Debt (809.25)

Current Ratio 0.69

Debt/Equity 0.06

P/E ratio 8.27

Fwd P/E 8.59

P/S ratio 2.55

P/B ratio 2.07

Past 5Y EPS Growth 51.52%

This Y EPS Growth (8.36%)

Next Y EPS Growth (6.64%)

Next Y revenue growth 10.67%

Next 5Y EPS Growth (4.47%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 24.60%

10-year low 10-year high

P/S against its own 10 years 95.58%

10-year low 10-year high

P/B against its own 10 years 61.33%

10-year low 10-year high

Dividends

Payout Ratio 0.07

Annual Dividend Rate 1.60

Annual Dividend Yield 0.81%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.60	0.40 0.40 0.40
2025	1.60	0.40 0.40 0.40 0.40
2024	1.60	0.40 0.40 0.40 0.40
2023	1.60	0.40 0.40 0.40 0.40
2022	1.60	0.40 0.40 0.40 0.40
2021	1.60	0.40 0.40 0.40 0.40
2020	1.60	0.40 0.40 0.40 0.40
2019	1.60	0.40 0.40 0.40 0.40
2018	1.48	0.35 0.38 0.38 0.38
2017	1.40	0.35 0.35 0.35 0.35
2016	1.20	0.30 0.30 0.30 0.30

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	540	536	1,214	877
Receivables	153	51	59	79
Inventory	—	—	—	—
Other	—	—	—	—
	692	587	1,273	956

	2023	2024	2025	Q'26
Payables	1,099	1,454	1,249	1,257
ST’ Debt	—	44	36	36
Other	—	—	—	—
	1,119	1,549	1,347	1,376

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	243	247	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	5.45	5.60	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	24.35	27.11	29.88	36.72	31.61	51.61	27.65	38.49	81.35	106.89	Analyst estimates 2026–2028 Powerpack
	High	40.45	50.93	59.32	51.93	62.93	139.80	86.97	90.81	126.50	210.50
People
People	Employees	246	334	387	413	436	513	578	547	552	594
	Revenue/emp, $m	1.07	0.73	0.60	0.59	0.71	0.80	0.86	1.01	1.36	1.52
Income, $m
Income, $m	Revenue	264	244	231	242	310	408	500	551	750	901
	Gross margin, %	36.73	16.00	35.89	38.13	31.10	21.24	4.63	37.28	36.79	59.57
	EBT	47	(16)	27	36	37	11	(68)	118	173	429
	EBT margin, %	17.72	(6.39)	11.63	14.89	11.90	2.75	(13.70)	21.36	23.12	47.65
	Net income	29	(7)	18	27	28	7	(55)	89	128	320
	Depreciation	6	11	12	9	9	6	7	4	1	9
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
	Earnings	2.95	(0.75)	2.34	3.32	3.55	0.23	(6.24)	9.13	10.59	24.58
	Cash flow	9.47	1.94	3.63	7.13	10.52	11.93	0.00	27.57	33.19	38.07
	Capex	(0.09)	(0.35)	(0.33)	(0.38)	(0.88)	(0.41)	(1.15)	(0.99)	(0.40)	(0.31)
	Free cash flow	9.37	1.60	3.30	6.75	9.64	11.52	(1.15)	26.58	32.79	37.76
	Book value	26.14	22.67	23.03	24.48	27.36	40.10	18.29	39.10	46.75	95.19
	Shares, m	9	9	8	8	7	8	9	8	10	12
Valuation, ×
Valuation, ×	P/E	13.22	0.00	21.71	13.75	14.73	232.06	0.00	9.21	10.87	7.80
	P/S	1.38	1.11	1.73	1.43	1.24	1.66	0.70	1.34	1.55	2.48
	P/B	1.49	1.39	2.21	1.86	1.91	2.08	2.17	2.26	2.49	2.01
	EV/Sales	0.84	1.03	1.77	1.19	0.42	0.26	0.68	0.77	1.14	1.21
	EV/FCF	2.54	17.58	16.18	5.78	1.88	1.14	(33.32)	1.91	2.63	2.49
Cash, $m
Cash, $m	Operating cash flow	88	17	29	54	77	97	0	231	332	444
	Capex	(1)	(3)	(3)	(3)	(6)	(3)	(10)	(8)	(4)	(4)
	Free cash flow	87	14	26	51	71	93	(10)	222	328	441
Balance, $m
Balance, $m	Working capital	46	(77)	(112)	(163)	(18)	46	(995)	(427)	(962)	(74)
	Total debt	139	238	250	173	180	61	212	208	229	68
	Net debt	(142)	(19)	10	(56)	(253)	(571)	(26)	(331)	(307)	(1,146)
	Shareholders’ equity	244	194	181	186	201	325	161	327	467	1,111
Returns, %
Returns, %	ROA	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
	ROE	11.41	(2.93)	9.82	13.69	13.51	0.70	(22.66)	32.36	26.64	36.36

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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.	$3.6B	18.2×	13.7×	+54.65% (above 0%: growing)	+14.94% (above 0%: growing)	+38.21% (above 0%: growing)	23.77%	23.77%	Compare
LMND Lemonade, Inc.	$3.6B	— (loss-making)	— (loss-making)	+79.40% (above 0%: growing)	n/m	−335.29% (below 0%: shrinking)	47.69%	(14.20%)	Compare
SLDE Slide Insurance Holdings, Inc.	$3.1B	5.9×	4.8×	+47.86% (above 0%: growing)	+11.43% (above 0%: growing)	+18.76% (above 0%: growing)	60.96%	46.37%	Compare
SKWD Skyward Specialty Insurance Group, Inc.	$2.7B	13.8×	10.3×	+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	8.3×	8.6×	+11.15% (above 0%: growing)	+3.77% (above 0%: growing)	−13.60% (below 0%: shrinking)	58.07%	45.43%
PRCH Porch Group, Inc.	$2.0B	— (loss-making)	— (loss-making)	+11.74% (above 0%: growing)	n/m	+13.30% (above 0%: growing)	62.17%	(2.92%)	Compare
HMN Horace Mann Educators Corporation	$1.9B	10.7×	11.7×	+7.72% (above 0%: growing)	+43.66% (above 0%: growing)	+70.37% (above 0%: growing)	45.68%	13.21%	Compare
KMPR Kemper Corporation	$1.7B	— (loss-making)	14.6×	−10.84% (below 0%: shrinking)	n/m	−76.71% (below 0%: shrinking)	0.17%	(41.92%)	Compare
STC Stewart Information Services Corporation	$1.6B	11.5×	12.3×	+24.52% (above 0%: growing)	+7.08% (above 0%: growing)	−12.37% (below 0%: shrinking)	64.98%	9.41%	Compare
Median of peers	$2.3B	11.5×	12.0×	+36.19%	+14.58%	+0.47%	46.69%	11.31%

All 45 Insurance Property & Casualty stocks →

HCI Group, Inc. (HCI) key facts

Strength: HCI Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $900.9 million, up 20.1% from fiscal 2024.
HCI Group, Inc. (HCI) is an Insurance Property & Casualty company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, HCI traded at $198.03, a market capitalization of $2.4 billion.
HCI Group, Inc. pays an annual dividend of $1.60 per share, a yield of 0.81%, with a payout ratio of 6.90%.
Return on equity was 36.4% and debt-to-equity 0.06.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.