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HCI Group, Inc. logo

HCI Group, Inc.

HCI

NYSEFinancial ServicesInsurance - Property & Casualty

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Previous close

$182.52

+$0.49 · +0.27%

Aug 21, 4:00 PM ET

HCI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

100

Deep Value

Momentum

48

Neutral

Sentiment

77

Bullish

Risk resilience

69

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Headquartered in Tampa, Florida, HCI Group, Inc., originally established in 2006 as Homeowners Choice, Inc. before its name change in May 2013, is a diversified holding company. It conducts business across four main segments: property and casualty insurance, reinsurance, real estate, and information technology. Within Florida, the company underwrites residential insurance policies for homeowners, condominium owners, and tenants, offering coverage types such as homeowners, fire, flood, and wind-only, alongside reinsurance services. Its real estate portfolio encompasses ownership and management of waterfront properties, retail shopping centers, an office building, and various commercial investment properties. Additionally, HCI Group's technology division designs and builds web-based applications and mobile solutions, including its online policy administration platforms SAMS and Harmony, the end-to-end claims management system ClaimColony, and the mapping and data visualization tool AtlasViewer.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US
CEO
Pareshbhai Suryakant Patel
Listed since
Sep 15, 2008
Employees
594

Market position

Day range

Current $182.52

52-week range

Current $182.52

Open
$182.77
Previous close
$182.03
Volume
151.47K
0.83× average
Average volume
182.38K
Average daily volume
Market cap
2.33B USD
Beta
1.02
Market reference 1
50-day average
$177.77
+2.67% above average
200-day average
$168.93
+8.05% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
7.04×
P/B (TTM)
1.93×
P/S (TTM)
2.45×
Dividend yield
0.88%

Profitability & efficiency

Gross margin
69.92%
Operating margin
48.41%
Net margin
32.60%

Financial health

Debt / equity
0.06×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends82%47%12%-23%Gross margin, FY2021: 20.19%Gross margin, FY2022: 3.16%Gross margin, FY2023: 37.20%Gross margin, FY2024: 36.74%Gross margin, FY2025: 73.16%Operating margin, FY2021: 2.79%Operating margin, FY2022: -13.91%Operating margin, FY2023: 21.39%Operating margin, FY2024: 23.14%Operating margin, FY2025: 47.65%Net margin, FY2021: 0.46%Net margin, FY2022: -11.89%Net margin, FY2023: 14.37%Net margin, FY2024: 14.67%Net margin, FY2025: 33.19%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 20.19%. Gross margin FY2022 3.16%. Gross margin FY2023 37.20%. Gross margin FY2024 36.74%. Gross margin FY2025 73.16%. Operating margin FY2021 2.79%. Operating margin FY2022 -13.91%. Operating margin FY2023 21.39%. Operating margin FY2024 23.14%. Operating margin FY2025 47.65%. Net margin FY2021 0.46%. Net margin FY2022 -11.89%. Net margin FY2023 14.37%. Net margin FY2024 14.67%. Net margin FY2025 33.19%.

Income trends

Revenue

900.95M USD+20.21%

Operating income

429.33M USD+147.56%

Net income

299.01M USD+171.94%
Income trends across reported periods997.88M USD610.14M USD222.39M USD−165.35M USDRevenue, FY2021: 402.55M USDRevenue, FY2022: 491.99M USDRevenue, FY2023: 550.01M USDRevenue, FY2024: 749.45M USDRevenue, FY2025: 900.95M USDOperating income, FY2021: 11.23M USDOperating income, FY2022: −68.42M USDOperating income, FY2023: 117.65M USDOperating income, FY2024: 173.43M USDOperating income, FY2025: 429.33M USDNet income, FY2021: 1.86M USDNet income, FY2022: −58.51M USDNet income, FY2023: 79.03M USDNet income, FY2024: 109.95M USDNet income, FY2025: 299.01M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 402.55M USD. Revenue FY2022 491.99M USD. Revenue FY2023 550.01M USD. Revenue FY2024 749.45M USD. Revenue FY2025 900.95M USD. Operating income FY2021 11.23M USD. Operating income FY2022 −68.42M USD. Operating income FY2023 117.65M USD. Operating income FY2024 173.43M USD. Operating income FY2025 429.33M USD. Net income FY2021 1.86M USD. Net income FY2022 −58.51M USD. Net income FY2023 79.03M USD. Net income FY2024 109.95M USD. Net income FY2025 299.01M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue900.95M USD749.45M USD550.01M USD491.99M USD402.55M USD
Cost of goods sold241.83M USD474.11M USD345.4M USD476.44M USD321.26M USD
Gross profit659.12M USD275.34M USD204.61M USD15.55M USD81.29M USD
Selling, general, and administrative72.13M USD63.15M USD53.87M USD56.51M USD45.43M USD
Operating expenses229.79M USD101.92M USD86.96M USD83.97M USD70.06M USD
Interest expense9.16M USD13.34M USD11.12M USD7.64M USD6.3M USD
Depreciation and amortization11.22M USD4.3M USD8.18M USD8.01M USD5.55M USD
Operating income429.33M USD173.43M USD117.65M USD−68.42M USD11.23M USD
Net income299.01M USD109.95M USD79.03M USD−58.51M USD1.86M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
11 beats, 0 misses, 0 met estimates
Average EPS surprise
+51.56%
11 comparable reports
Latest EPS result
5.6
Estimate 5.04 · Beat by 11.11%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates8.054.180.32-3.55Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 0.31, estimate -2.75, surprise +111.27%, Beat. Q2 2025, reported May 8, 2025: actual 5.35, estimate 4.49, surprise +19.15%, Beat. Q3 2025, reported Aug 7, 2025: actual 5.18, estimate 4.47, surprise +15.88%, Beat. Q4 2025, reported Nov 6, 2025: actual 4.9, estimate 2.44, surprise +100.82%, Beat. Q1 2026, reported Feb 25, 2026: actual 7.25, estimate 4.87, surprise +48.87%, Beat. Q2 2026, reported May 6, 2026: actual 5.45, estimate 5.13, surprise +6.24%, Beat. Q3 2026, reported Aug 6, 2026: actual 5.6, estimate 5.04, surprise +11.11%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 2.89, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates257.7M222.31M186.92M151.53MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 161.44M USD, estimate 175.11M USD, surprise -7.81%, Miss. Q2 2025, reported May 8, 2025: actual 216.43M USD, estimate 214.89M USD, surprise +0.72%, Beat. Q3 2025, reported Aug 7, 2025: actual 221.92M USD, estimate 222.72M USD, surprise -0.36%, Miss. Q4 2025, reported Nov 6, 2025: actual 216.4M USD, estimate 232.36M USD, surprise -6.87%, Miss. Q1 2026, reported Feb 25, 2026: actual 246.24M USD, estimate 232.36M USD, surprise +5.98%, Beat. Q2 2026, reported May 6, 2026: actual 242.88M USD, estimate 245.09M USD, surprise -0.90%, Miss. Q3 2026, reported Aug 6, 2026: actual 246.65M USD, estimate 247.43M USD, surprise -0.31%, Miss. Q4 2026, reported Nov 5, 2026: actual —, estimate 247.78M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

14 ratings
Strong buy00%
Buy1071%
Hold429%
Sell00%
Strong sell00%

Recent analyst actions

7 institutions
Citizens Capital MarketsmaintainMarket Outperform
William BlairupgradeMarket PerformOutperform

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.60

2025 complete year0.0% since 2021

2026 partial: $1.20

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 21, 2026

$0.40

Quarterly

Record Aug 21, 2026 · Payment Sep 18, 2026

Dividend

Ex-dividend May 15, 2026

$0.40

Quarterly

Record May 15, 2026 · Payment Jun 18, 2026

Dividend

Ex-dividend Feb 20, 2026

$0.40

Quarterly

Record Feb 20, 2026 · Payment Mar 20, 2026

Dividend

Ex-dividend Nov 21, 2025

$0.40

Quarterly

Record Nov 21, 2025 · Payment Dec 19, 2025

Dividend

Ex-dividend Aug 15, 2025

$0.40

Quarterly

Record Aug 15, 2025 · Payment Sep 19, 2025

Dividend

Ex-dividend May 16, 2025

$0.40

Quarterly

Record May 16, 2025 · Payment Jun 20, 2025

HCI peers

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Berkshire Hathaway Inc. logo

BRK-A

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$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding HCI

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
117.35M
Weight
0.10%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
68.03M
Weight
0.22%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
60.71M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
53.41M
Weight
0.07%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Fidelity Enhanced Small Cap ETF logoFidelity Enhanced Small Cap ETFFESM
Market value
29.58M
Weight
0.46%
AUM
6.03B USD
Expense ratio
0.28%
Price / 1D
$47.94+0.80%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
21.24M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
19.43M
Weight
0.13%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
17.97M
Weight
0.11%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%

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