HCI Group (HCI) Stock Price, News & Analysis

Company Overview

HCI Group, Inc. (NYSE: HCI) is a holding company whose principal business is the underwriting and issuance of property and casualty insurance through its insurance subsidiaries. Headquartered in Jacksonville, Florida, the company focuses primarily on personal-line insurance products, writing homeowners, condominium, renters and mobile home policies. HCI Group also offers wind-only and flood coverage in coastal regions across the state, providing tailored solutions to both coastal and non-coastal communities.

The company distributes its insurance products through a network of independent agents and brokers, leveraging local market expertise to assess risk and deliver personalized service. HCI Group’s underwriting teams employ proprietary modeling tools and industry data to evaluate exposure to weather-related events, allowing the company to refine its rate structures and claims-management processes. In addition to personal lines, the company maintains a niche presence in personal liability and umbrella policies, complementing its core homeowners offerings.

Founded in 1979, HCI Group has grown through both organic expansion and strategic acquisitions, including the purchase of Tower Hill Insurance Group in 2018, which expanded its reach into new segments of Florida’s homeowners market. The company’s financial operations are regulated by the Florida Office of Insurance Regulation, and it maintains reinsurance arrangements with leading global reinsurers to mitigate volatility from catastrophic events.

HCI Group is governed by a board of directors and led by a management team with extensive experience in insurance, risk management and financial services. The company’s executive leadership oversees actuarial analysis, claims administration and regulatory compliance, positioning HCI Group to navigate Florida’s dynamic insurance environment and deliver long-term value to policyholders and shareholders.

Key Stats

• Today's Range: $155.86 to $160.00
• 50-Day Range: $148.87 to $167.18
• 52-Week Range: $136.37 to $210.50
• Volume: 160,266 shs
• Average Volume: 180,998 shs
• Market Capitalization: $2.02 billion
• P/E Ratio: 6.95
• Dividend Yield: 1.01%
• Price Target: $231.67
• Consensus Rating: Buy

HCI Group Stock Analysis - MarketRank™

HCI Group scored higher than 87% of companies evaluated by MarketBeat, and ranked 212th out of 881 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.9 / 5
• Analyst Rating: Buy

Consensus Rating

HCI Group has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 strong buy rating, 5 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

HCI Group has a consensus price target of $231.67, representing about 46.3% upside from its current price of $158.35.

Amount of Analyst Coverage

HCI Group has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 0.34%

Earnings Growth

Earnings for HCI Group are expected to grow by 0.34% in the coming year, from $17.82 to $17.88 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of HCI Group is 6.95, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of HCI Group is 6.95, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.94.

Price to Book Value per Share Ratio

HCI Group has a P/B Ratio of 1.72. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.01% of the float of HCI Group has been sold short.

Short Interest Ratio / Days to Cover

HCI Group has a short interest ratio ("days to cover") of 1.44, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in HCI Group has recently increased by 10.31%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

HCI Group pays a meaningful dividend of 1.01%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

HCI Group does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of HCI Group is 7.02%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, HCI Group will have a dividend payout ratio of 8.95% next year. This indicates that HCI Group will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: N/A

News Sentiment

HCI Group has a news sentiment score of 0.70. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for HCI Group this week, compared to 3 articles on an average week.

Search Interest

Only 5 people have searched for HCI on MarketBeat in the last 30 days. This is a decrease of -58% compared to the previous 30 days.

MarketBeat Follows

1 people have added HCI Group to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, HCI Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

18.47% of the stock of HCI Group is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

86.99% of the stock of HCI Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 3/20 Dividend: 2/20/2026
• Ex-Dividend for 3/20 Dividend: 2/20/2026
• Dividend Payable: 3/20/2026
• Last Earnings: 5/06/2026
• Record date for 6/18 Dividend: 5/15/2026
• Ex-Dividend for 6/18 Dividend: 5/15/2026
• Today: 5/23/2026
• Dividend Payable: 6/18/2026
• Next Earnings (Estimated): 8/06/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NYSE:HCI
• Previous Symbol: NASDAQ:HCII
• CIK: 1400810
• Web: www.hcigroup.com
• Phone: (813) 849-9500
• Fax: 813-865-0174
• Employees: 530
• Year Founded: N/A

Price Target and Rating

• Average Price Target for HCI Group: $231.67
• High Price Target: $255.00
• Low Price Target: $205.00
• Potential Upside/Downside: +46.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $22.78
• Trailing P/E Ratio: 6.95
• Forward P/E Ratio: 8.89
• P/E Growth: N/A
• Net Income: $299.01 million
• Net Margins: 32.64%
• Pretax Margin: 47.92%
• Return on Equity: 30.88%
• Return on Assets: 12.31%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 0.82
• Quick Ratio: 0.82

Sales & Book Value

• Annual Sales: $927.91 million
• Price / Sales: 2.18
• Cash Flow: $23.74 per share
• Price / Cash Flow: 6.67
• Book Value: $91.93 per share
• Price / Book: 1.72

Miscellaneous

• Outstanding Shares: 12,765,000
• Free Float: 10,407,000
• Market Cap: $2.02 billion
• Optionable: No Data
• Beta: 1.09