YOLFTbeta
HCI Group Inc

HCI Group Inc

HCI · NYSE · Financial Services / Insurance - Property & Casualty

191.37USD+0.54 (+0.28%)

Price History

Full chart

Market Stats

Previous Close190.83
Open191.45
Day Range190.72 – 193.03
52-Week Range144.06 – 208.47
Volume201.30K
Market Cap2.20B
P/E (TTM)7.59
Forward P/E8.90
EPS23.30
Dividend Yield0.91%
Beta1.02
50-Day Avg183.05
200-Day Avg169.46

About

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 involved in reciprocal exchange operations; and developing and operating commercial properties for investment purposes. 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.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Pareshbhai Suryakant Patel
  • Employees594
  • Headquarters3802 Coconut Palm Drive, Tampa, FL, United States, 33619, USA
  • Websitehttps://www.hcigroup.com

Leadership

  • Mr. Pareshbhai Suryakant PatelFounder, Chairman, President & CEO · b. 1963
  • Mr. Gregory PolitisCo-Founder & Lead Independent Director · b. 1953
  • Mr. James Mark Harmsworth CPAChief Financial Officer · b. 1964
  • Ms. Karin Sue ColemanCOO & Director · b. 1961
  • Mr. Andrew Lloyd Graham J.D.VP, General Counsel & Company Secretary · b. 1958
  • Mr. Anthony SaravanosPresident of Greenleaf Capital LLC & Real Estate Division and Director · b. 1971
  • Mr. Nathaniel OtisVice President of Investor Relations

Financials

Income Statement

Currency: USD2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-7.66M49.53M68.38M68.61M92.87M162.89M241.09M266.11M285.95M258.22M244.41M231.29M241.38M275.73M402.55M491.99M550.01M749.45M900.95M
Growth (%)--+546.64%+38.05%+0.35%+35.35%+75.39%+48.01%+10.38%+7.46%-9.70%-5.35%-5.37%+4.36%+14.23%+45.99%+22.22%+11.79%+36.26%+20.21%
Cost of Revenue-5.61M24.61M44.84M52.55M66.37M92.24M96.74M117.42M129.21M167.31M205.29M148.27M150.01M213.90M321.26M476.44M345.40M474.11M241.83M
Gross Profit-7.66M24.92M23.54M16.07M26.50M70.65M144.35M148.69M156.74M90.91M39.11M83.02M91.37M61.84M81.29M15.55M204.61M275.34M659.12M
Gross Margin-100.00%50.31%34.42%23.42%28.53%43.37%59.87%55.88%54.81%35.21%16.00%35.89%37.85%22.43%20.19%3.16%37.20%36.74%73.16%
Operating Expense-6.03M4.12M5.79M7.48M10.10M21.07M37.89M47.73M50.55M44.05M54.74M56.12M55.28M24.91M70.06M83.97M86.96M101.92M229.79M
Operating Income-100.00K1.63M20.80M17.75M8.59M16.41M49.58M106.45M100.96M106.19M46.86M-15.62M26.90M36.09M36.93M11.23M-68.42M117.65M173.43M429.33M
Operating Margin-21.29%41.98%25.96%12.51%17.66%30.44%44.16%37.94%37.14%18.15%-6.39%11.63%14.95%13.39%2.79%-13.91%21.39%23.14%47.65%
EBITDA-100.00K1.63M20.83M17.82M8.76M16.98M51.17M112.16M116.37M122.20M63.34M10.73M55.99M57.93M57.25M23.08M-52.77M136.87M191.01M449.70M
EBITDA Margin-21.29%42.06%26.07%12.77%18.28%31.42%46.52%43.73%42.73%24.53%4.39%24.21%24.00%20.76%5.73%-10.72%24.88%25.49%49.91%
Net Income-100.00K1.02M12.65M10.91M5.42M9.96M30.16M65.56M62.66M65.86M29.02M-6.89M17.73M26.58M27.58M1.86M-58.51M79.03M109.95M299.00M
Net Income Margin-13.28%25.55%15.96%7.90%10.73%18.51%27.19%23.55%23.03%11.24%-2.82%7.66%11.01%10.00%0.46%-11.89%14.37%14.67%33.19%
R&D-----00000000-------
R&D as % of Total Revenue-----0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense00000003.61M10.45M10.75M11.08M16.77M18.10M12.90M11.58M6.30M7.64M11.12M13.34M9.16M
Interest Expense % of Total Revenue-0.00%0.00%0.00%0.00%0.00%0.00%1.50%3.93%3.76%4.29%6.86%7.82%5.34%4.20%1.57%1.55%2.02%1.78%1.02%

Balance Sheet

Currency: USD2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.00K39.99M131.99M137.89M140.95M214.82M338.29M526.32M602.21M636.99M670.06M842.26M832.86M802.61M941.31M1.18B1.80B1.81B2.23B2.53B
Total Liabilities100.00K25.66M94.60M92.51M94.32M150.99M217.03M365.80M419.63M399.26M426.32M648.29M651.42M617.07M740.18M762.40M1.55B1.39B1.76B1.41B
Total Equity-99.00K14.34M37.39M45.38M46.63M63.83M121.25M160.52M182.59M237.72M243.75M193.97M181.44M185.54M201.14M323.37M162.60M324.84M453.33M1.04B
Cash1.00K15.73M81.06M43.45M54.85M100.36M230.21M293.40M314.72M267.74M280.53M255.88M239.46M229.22M431.34M628.94M234.86M536.48M532.47M1.21B
Total Debt-------126.93M255.43M129.43M287.19M327.82M250.15M173.96M184.28M62.71M212.41M209.90M186.44M67.88M
Net Debt--15.73M-81.06M-43.45M-54.85M-100.36M-230.21M-166.47M-185.18M-138.31M-141.67M-18.05M10.69M-55.26M-247.07M-566.24M-22.45M-326.57M-346.03M-1.14B

Cash Flow

Currency: USD2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-19.86M66.64M-13.47M16.13M56.03M106.27M55.47M88.73M45.27M87.97M16.43M28.59M54.05M77.31M96.50M-12.00K230.66M331.82M446.74M
Investing Cash Flow--17.09M-11.24M-21.03M-213.00K-16.95M-1.21M-90.04M-18.65M-80.36M-49.03M-80.16M-17.68M50.46M143.22M36.85M-434.54M4.27M-260.11M240.12M
Financing Cash Flow-12.96M9.93M-3.10M-4.52M6.42M24.80M97.75M-48.73M-11.53M-26.16M39.03M-27.29M-114.72M-16.70M64.30M41.07M67.12M-75.17M-8.94M
Capital Expenditure036.00K268.00K314.00K7.53M3.14M1.20M3.43M453.00K840.00K865.00K2.98M2.60M2.89M6.44M3.32M10.14M6.50M4.05M3.63M
Free Cash Flow-19.83M66.37M-13.79M8.60M52.89M105.07M52.04M88.28M44.43M87.11M13.45M26.00M51.16M70.87M93.19M-10.15M224.16M327.76M444.45M
Dividends Paid--3.00K113.00K1.88M3.83M8.56M10.90M12.36M12.43M12.44M13.91M11.32M13.01M12.69M14.06M15.23M13.72M16.60M19.29M
FCF to OCF-99.82%99.60%102.33%53.29%94.39%98.87%93.81%99.49%98.14%99.02%81.88%90.92%94.66%91.67%96.56%84608.33%97.18%98.78%99.49%
Dividend Paid to FCF--0.00%-0.82%21.83%7.23%8.15%20.95%14.00%27.97%14.28%103.40%43.53%25.43%17.91%15.09%-150.03%6.12%5.06%4.34%

Earnings

Report DateNov 12, 2008Mar 11, 2009May 13, 2009Aug 12, 2009Nov 11, 2009Mar 10, 2010May 14, 2010Aug 10, 2010Nov 9, 2010Mar 8, 2011May 10, 2011Aug 4, 2011Nov 8, 2011Mar 8, 2012May 8, 2012Aug 1, 2012Nov 6, 2012Mar 5, 2013May 2, 2013Aug 1, 2013Nov 5, 2013Mar 4, 2014May 1, 2014Aug 5, 2014Nov 6, 2014Mar 5, 2015Apr 30, 2015Aug 4, 2015Nov 3, 2015Mar 3, 2016May 3, 2016Aug 2, 2016Nov 3, 2016Feb 21, 2017May 4, 2017Aug 2, 2017Nov 3, 2017Mar 6, 2018May 1, 2018Aug 2, 2018Nov 6, 2018Mar 7, 2019May 2, 2019Aug 6, 2019Nov 5, 2019Mar 5, 2020May 7, 2020Aug 6, 2020Nov 5, 2020Mar 11, 2021May 6, 2021Aug 5, 2021Nov 8, 2021Mar 8, 2022May 4, 2022Aug 8, 2022Nov 8, 2022Mar 9, 2023May 9, 2023Aug 8, 2023Nov 7, 2023Mar 7, 2024May 8, 2024Aug 8, 2024Nov 7, 2024Mar 5, 2025May 8, 2025Aug 7, 2025Nov 6, 2025Mar 5, 2026May 6, 2026Aug 6, 2026Nov 5, 2026
EPS Estimate------0.170.130.170.140.230.130.200.310.610.590.280.681.111.220.781.451.341.251.101.211.931.730.581.210.751.020.56-0.161.030.860.800.811.050.950.65-0.430.680.870.570.820.770.540.65-0.340.740.110.09-0.380.130.21-6.47-0.510.140.560.311.412.823.540.58-2.414.564.472.814.914.944.973.55
EPS Actual0.120.750.870.420.110.110.100.190.250.270.120.300.270.620.880.740.271.191.811.401.131.311.441.391.051.302.211.930.711.100.600.711.100.261.150.93-4.440.951.261.011.00-0.480.350.810.670.760.540.861.600.220.770.11-0.64-0.140.35-0.71-5.620.061.501.221.413.223.654.210.470.315.355.184.907.255.455.60-
Surprise-------41.18%46.15%47.06%92.86%-47.83%130.77%35.00%100.00%44.26%25.42%-3.57%75.00%63.06%14.75%44.87%-9.66%7.46%11.20%-4.55%7.44%14.51%11.56%22.41%-9.09%-20.00%-30.39%96.43%262.50%11.65%8.14%-655.00%17.28%20.00%6.32%53.85%-11.63%-48.53%-6.90%17.54%-7.32%-29.87%59.26%146.15%164.71%4.05%0.00%-811.11%63.16%169.23%-438.10%13.14%111.76%971.43%117.86%354.84%128.37%29.43%18.93%-18.97%112.86%17.32%15.88%74.38%47.66%10.32%12.68%-
Timing------After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap2.20B
Enterprise Value1.39B
Trailing P/E7.59
Forward P/E8.90
PEG Ratio0.97
Price / Sales2.31
Price / Book2.03
EPS23.30
Book Value86.60
Revenue (TTM)952.13M
Gross Profit (TTM)568.67M
EBITDA471.57M
Profit Margin32.60%
Operating Margin45.43%
Return on Equity34.97%
Return on Assets11.62%
Shares Outstanding12.44M
Shares Float9.91M
Beta1.02
Dividend Yield0.91%
Dividend Rate1.60
Payout Ratio6.90%

Analyst Ratings

Strong Buy
Based on 5 analystsTarget 241.67
  • Strong Buy
    4
  • Buy
    1

Ownership Breakdown

Institutions
78.10%
Insiders
14.66%
Retail / Other
7.24%

Top Institutional Holders

  • BlackRock Inc
    1.64M13.20%
  • Khrom Capital Management, LLC
    690.75K5.55%
  • Hood River Capital Management LLC
    623.80K5.01%
  • Vanguard Capital Management, LLC
    486.74K3.91%
  • American Century Companies Inc
    415.74K3.34%
  • Dimensional Fund Advisors, Inc.
    409.72K3.29%
  • State Street Corp
    398.51K3.20%
  • Freestone Grove Partners LP
    343.39K2.76%
  • Vanguard Portfolio Management, LLC
    334.20K2.69%
  • Geode Capital Management, LLC
    301.40K2.42%
  • Qube Research & Technologies
    241.66K1.94%
  • Morgan Stanley - Brokerage Accounts
    201.72K1.62%
  • Allspring Global Investments Holdings, LLC
    145.53K1.17%
  • The Goldman Sachs Group Inc
    129.80K1.04%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    643.20K5.17%
  • Avantis US Small Cap Value ETF
    377.22K3.03%
  • Vanguard MStar Total Stk Mkt Idx Invest
    346.25K2.78%
  • iShares Russell 2000 ETF
    293.51K2.36%
  • Fidelity Enhanced Small Cap Core ETF
    164.31K1.32%
  • BGF World Financials A2
    148.60K1.19%

Dividends

20263×
0.40Aug 21, 20260.40May 15, 20260.40Feb 20, 2026
20254×
0.40Nov 21, 20250.40Aug 15, 20250.40May 16, 20250.40Feb 21, 2025
20244×
0.40Nov 15, 20240.40Aug 16, 20240.40May 16, 20240.40Feb 15, 2024
20234×
0.40Nov 16, 20230.40Aug 17, 20230.40May 18, 20230.40Feb 16, 2023
20224×
0.40Nov 17, 20220.40Aug 18, 20220.40May 16, 20220.40Feb 17, 2022
20214×
0.40Nov 18, 20210.40Aug 19, 20210.40May 20, 20210.40Feb 18, 2021
20201×
0.40Nov 19, 2020