Stock AnalizHCI Group, Inc. HCI
Property-Casualty Insurers · data as of November 13, 2026
HCI Group, Inc. (HCI) is a financial company listed in the US with a market value of about $2.4B. In the twelve months to September 30, 2026 it had revenue of $981M and net income of $316M, a net margin of 32.2%.
Its overall Stock Analiz score is 3.6 out of 5 (good). The strongest part is value (4/5); the weakest is track record (3/5).
Key numbers: a P/E of 7.7, a price to free cash flow of 5.2, 5-year revenue growth of 24% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 54% below the current price.
Score: 3.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year free cash flow growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- Interest covered more than 5 times
- Share count down over 3 years (buybacks)
- 20% to 100% of free cash flow returned to shareholders
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $981M | $901M | $750M | $551M | $500M | $408M | $310M | $242M | $231M | $244M | $264M |
| Net income | $316M | $299M | $110M | $79M | -$59M | $2M | $28M | $27M | $18M | -$7M | $29M |
| Free cash flow | $458M | $441M | $328M | $224M | -$6M | $93M | $71M | $51M | $26M | $14M | $87M |
| EPS (diluted) | $24.75 | $22.72 | $8.89 | $7.62 | $-6.24 | $0.21 | $3.49 | $0.00 | $2.34 | $-0.75 | $2.92 |
| Net margin | 32.2% | 33.2% | 14.7% | 14.3% | -11.7% | 0.4% | 8.9% | 11.0% | 7.7% | -2.8% | 11.0% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $250.00, 31% above the current price; targets range from $225.00 to $280.00; the consensus rating is “Buy”; expected EPS is $22.55 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is HCI Group’s P/E ratio?
About 7.7, based on the last twelve months of diluted earnings per share (forward P/E about 9.0).
Is HCI Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 54% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does HCI Group pay a dividend?
Yes. The dividend yield is about 0.84%, and it has paid dividends for 10 years in our data.
Is HCI Group a good stock to buy?
We do not give buy or sell advice. HCI Group scores 3.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.