HCI Group (HCI) Stock Price, News & Analysis

Company Overview

HCI Group, Inc. is a holding company headquartered in Tampa, Florida, that operates businesses in property and casualty insurance, real estate, and insurance-related technology. Its principal activities center on providing property insurance products for residential policyholders, with an emphasis on coverage for homeowners and other property owners.

HCI’s insurance operations have historically served customers primarily in Florida and other U.S. markets through affiliated insurance companies, including Homeowners Choice Property & Casualty Insurance Company and TypTap Insurance Company. These businesses offer homeowners and related property coverage through a combination of traditional insurance distribution and digital tools designed to support policy administration and customer service.

The company was founded in 2006 and has expanded its operations through the development and acquisition of insurance businesses and related assets. HCI Group is led by Chairman and Chief Executive Officer Paresh Patel, who has been associated with the company since its founding.

Key Stats

• Today's Range: $196.07 to $199.11
• 50-Day Range: $174.36 to $198.58
• 52-Week Range: $144.75 to $210.50
• Volume: 119,660 shs
• Average Volume: 175,599 shs
• Market Capitalization: $2.47 billion
• P/E Ratio: 8.46
• Dividend Yield: 0.81%
• Price Target: $241.67
• Consensus Rating: Buy

HCI Group Stock Analysis - MarketRank™

HCI Group scored higher than 89% of companies evaluated by MarketBeat, and ranked 188th out of 855 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: 4.0 / 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 $241.67, representing about 21.7% upside from its current price of $198.58.

Amount of Analyst Coverage

HCI Group has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: -6.70%

Earnings Growth

Earnings for HCI Group are expected to decrease by -6.70% in the coming year, from $21.04 to $19.63 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of HCI Group is 8.46, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.48.

Price to Earnings Ratio vs. Sector

The P/E ratio of HCI Group is 8.46, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.38.

Price to Book Value per Share Ratio

HCI Group has a P/B Ratio of 2.32. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.90% 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 2.71, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in HCI Group has recently decreased by 13.50%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

HCI Group has a dividend yield of 0.81%, which is in 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 6.90%. 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 8.15% next year. This indicates that HCI Group will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.73

News Sentiment

HCI Group has a news sentiment score of 0.73. 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 5 news articles for HCI Group this week, compared to 2 articles on an average week.

Search Interest

Only 3 people have searched for HCI on MarketBeat in the last 30 days. This is a decrease of -40% compared to the previous 30 days.

MarketBeat Follows

2 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

• Last Earnings: 8/06/2026
• Record date for 9/18 Dividend: 8/21/2026
• Ex-Dividend for 9/18 Dividend: 8/21/2026
• Dividend Payable: 9/18/2026
• Today: 10/16/2026
• Next Earnings (Estimated): 11/05/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Insurance
• 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: 594
• Year Founded: N/A

Price Target and Rating

• Average Price Target for HCI Group: $241.67
• High Price Target: $265.00
• Low Price Target: $225.00
• Potential Upside/Downside: +21.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $23.20
• Trailing P/E Ratio: 8.46
• Forward P/E Ratio: 9.44
• P/E Growth: N/A
• Net Income: $299.01 million
• Net Margins: 32.60%
• Pretax Margin: 48.41%
• Return on Equity: 28.80%
• Return on Assets: 12.25%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 0.69
• Quick Ratio: 0.69

Sales & Book Value

• Annual Sales: $900.95 million
• Price / Sales: 2.74
• Cash Flow: $24.01 per share
• Price / Cash Flow: 8.27
• Book Value: $85.75 per share
• Price / Book: 2.32

Miscellaneous

• Outstanding Shares: 12,440,000
• Free Float: 10,142,000
• Market Cap: $2.47 billion
• Optionable: No Data
• Beta: 1.05