HCI Group, Inc. (HCI) AI Stock Analysis

HCI Group, Inc. operates as a diversified company involved in property and casualty insurance, reinsurance, real estate, and information technology ventures primarily within Florida. Founded in 2006 and headquartered in Tampa, Florida, the company specializes in residential insurance products including homeowners, fire, flood, and wind-only insurance to homeowners, condominium owners, and tenants. HCI Group also offers reinsurance programs and manages commercial real estate, including waterfront properties, retail shopping centers, and office buildings. Additionally, its information technology division develops web and mobile platforms such as SAMS, Harmony, ClaimColony, and AtlasViewer.

HCI delivered a 5-year revenue CAGR of 26.7% from FY2020 to FY2025. Annual revenue grew from $402.6M in FY2021 to $900.9M in FY2025, with net income shifting from -$58.5M in FY2022 to $299.0M in FY2025. During FY2025, operating margin reached 47.7% and diluted earnings per share reached $22.68. Over the trailing twelve months, revenue reached $952.1M with an operating margin of 45.4% and diluted EPS of $23.20. For the quarter ended June 30, 2026, quarterly revenue grew 11.1% year-over-year while quarterly earnings expanded 8.2%.

As of June 30, 2026, HCI held $942.7M in cash and short-term investments against $67.5M in total debt, yielding net cash of $875.2M. Shareholders' equity stood at $1.08B, supported by a debt-to-equity ratio of 0.06 and a current ratio of 57.95. In FY2025, operating cash flow totaled $446.7M and free cash flow reached $444.4M. Capital allocation in FY2025 included $3.6M for capital expenditures, $1.5M for share buybacks, and $19.3M paid out in dividends.

At its last close of $198.55 on October 16, 2026, HCI had a market cap of $2.47B and an enterprise value of $1.39B. HCI trades at a trailing P/E of 8.6x and a forward P/E of 8.9x, compared to the median of its US-listed Financial Services peers at 12.1x trailing and 10.8x forward. Its price-to-sales ratio sits at 2.6x versus the peer median of 3.2x. Over the past year, the stock returned 5.3%, trailing the S&P 500 return of 16.8%, while over five years it gained 76.5% compared to 83.0% for the S&P 500.

HCI pays a quarterly dividend totaling an annualized $1.60 per share, which represents a dividend yield of 0.81%. The company has maintained consecutive dividend payments for 17 years, supported by a payout ratio of 6.9%. Its 5-year annualized dividend growth stands at 0.0%, and its most recent ex-dividend date was August 21, 2026.

Wall Street coverage consists of 3 Strong Buy, 1 Buy, and 1 Hold ratings. The mean price target of $241.67 implies 21.7% upside compared to the last close of $198.55. For the fiscal year ending December 31, 2026, analysts estimate revenue of $997.1M and EPS of $21.76, representing an EPS decline of 4.2%. Over the last four quarters, HCI exceeded EPS estimates in all 4 quarters. The next earnings date is scheduled for November 5, 2026.

This page is an AI-written research summary of HCI Group, Inc. (HCI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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