profit from every $100 of sales.
$0$100
HCI Group
$191.37+0.28% today
+4.1% in 1 year
1-year low $148.981-year high $206.68
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $7.96 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What HCI Group sold, what it kept, and what it did with the cash.
Sales went from $492 million in 2022 to $902 million in 2025, with $299 million of profit last year.
SalesProfit
HCI Group handed back 5% of the cash it generated last year.
$19M
Free cash flow 2025$441M
Bought back its own shares$2M
Paid as dividends$19M
Cash vs. debt$1.2B vs. $68M
HCI Group vs. similar companies
HCI Group grows the fastest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| HCI Group | 8.0× · Cheap | ||
 Chubb | 13.9× · Cheap | ||
 The Progressive | 12.1× · Cheap | ||
 Tokio Marine Holdings | 15.9× · Fair price | ||
 The Travelers Companies | 13.1× · Cheap |
AI analysis
An AI analyst reads HCI Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 492 | 550 | 749 | 902 | |
| – | – | – | – | |
| – | – | – | – | |
| -53 | 137 | 191 | 450 | |
| -59 | 79 | 110 | 299 | |
| -6.24 | 7.62 | 8.89 | 22.72 | |
| – | – | – | – | |
| – | – | – | – | |
| -11.9% | 14.4% | 14.7% | 33.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,803 | 1,811 | 2,230 | 2,529 |
| Cash | 235 | 536 | 532 | 1,210 |
| Total debt | 212 | 210 | 229 | 68 |
| Total liabilities | 1,549 | 1,388 | 1,761 | 1,414 |
| 163 | 325 | 453 | 1,041 | |
| 9 | 10 | 12 | 13 | |
| -12.8% | 19.0% | 21.6% | 31.2% | |
| -36.0% | 24.3% | 24.3% | 28.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -0 | 231 | 332 | 444 | |
| 10 | 8 | 4 | 4 | |
| -10 | 222 | 328 | 441 | |
| Dividends paid | 15 | 14 | 17 | 19 |
| 88 | 1 | 1 | 2 | |
| 15 | 9 | 10 | 11 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 8.0×
- 11.5×
- –
- 1.6×
- 2.6×
- 12.6%
- 1.0%
Profitability
- 33.2%
- 14.3%
- 8.8%
- 32.6%
- 13.0%
Growth
- +22.4%
- –
- +0.0%
- +8.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 14%of 848
Top 15%of 728
Top 17%of 880
Top 22%of 878
Top 11%of 932
What analysts expect
- Average price target
- $126.50
- Range
- $75.00 – $165.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 6, 2026 | 5.45 | 5.13 | +6.2% |
| Feb 25, 2026 | 7.25 | 4.87 | +48.9% |
| Nov 6, 2025 | 4.90 | 2.44 | +100.8% |
| Aug 7, 2025 | 5.18 | 4.47 | +15.9% |
| May 8, 2025 | 5.35 | 4.49 | +19.2% |
| Feb 27, 2025 | 0.31 | -2.75 | +111.3% |
| Nov 7, 2024 | 0.47 | 0.27 | +74.1% |
| Aug 8, 2024 | 4.21 | 3.48 | +21.0% |
1.0%of the share price, paid each year
On $1,000 invested$10a year at today's yield, before tax
+0.0%2020 to 2025
Raised–not every year
Paid per share, each year
$1.20 in 2015 → $1.60 in 2025
How safe it looks
6.5% of its profit
Room to growStretchedMore than it earns: 4.4%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
7/7Passes 7 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
77Pass
Benjamin Graham
74Pass
Philip Fisher
74Pass
Peter Lynch
95Pass
Joel Greenblatt
65Pass
Charlie Munger
64Pass
Terry Smith
67Pass
Questions about HCI Group
Is HCI Group a good stock to buy?
A strong, very profitable business, and the price looks low. 7 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the HCI Group AI analysis
What does HCI Group do?
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, reinsurance, real estate, and information technology businesses in Florida. It is in Insurance - Property & Casualty.
Does HCI Group pay a dividend?
Yes. At today's price the dividend is 1.0% a year, about 6% of its yearly profit. In 2025 it paid out $19.3 million in dividends.
Is HCI Group stock halal?
No. HCI Group does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has HCI Group stock done over the past year?
Up 4.1% over the past twelve months, to $191.37. It traded between $148.98 and $206.68 and is 7.4% below its high.
Who are HCI Group's competitors?
The largest listed companies in the same industry are Chubb, The Progressive, Tokio Marine Holdings and The Travelers Companies. The peers table on this page compares their profit, growth and price with HCI Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.