HCI Group (HCI) Competitors

HCI Group (NYSE:HCI) and RLI (NYSE:RLI) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, valuation, profitability, media sentiment, analyst recommendations, earnings, institutional ownership and dividends.

Is HCI or RLI a better dividend stock?

HCI Group pays an annual dividend of $1.60 per share and has a dividend yield of 1.1%. RLI pays an annual dividend of $0.64 per share and has a dividend yield of 0.9%. HCI Group pays out 15.5% of its earnings in the form of a dividend. RLI pays out 21.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. RLI has increased its dividend for 51 consecutive years. HCI Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do insiders & institutionals have more ownership in HCI or RLI?

87.0% of HCI Group shares are owned by institutional investors. Comparatively, 77.9% of RLI shares are owned by institutional investors. 21.9% of HCI Group shares are owned by company insiders. Comparatively, 2.2% of RLI shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Do analysts prefer HCI or RLI?

HCI Group currently has a consensus target price of $181.25, suggesting a potential upside of 23.50%. RLI has a consensus target price of $78.60, suggesting a potential upside of 9.62%. Given HCI Group's stronger consensus rating and higher possible upside, equities research analysts clearly believe HCI Group is more favorable than RLI.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
HCI Group	0 Sell rating(s)	0 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	3.00
RLI	1 Sell rating(s)	4 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.14

Which has preferable earnings and valuation, HCI or RLI?

RLI has higher revenue and earnings than HCI Group. HCI Group is trading at a lower price-to-earnings ratio than RLI, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
HCI Group	$750.05M	2.26	$109.95M	$10.34	14.19
RLI	$1.77B	3.72	$345.78M	$3.04	23.59

Which has more risk & volatility, HCI or RLI?

HCI Group has a beta of 1.21, suggesting that its share price is 21% more volatile than the S&P 500. Comparatively, RLI has a beta of 0.67, suggesting that its share price is 33% less volatile than the S&P 500.

Is HCI or RLI more profitable?

HCI Group has a net margin of 17.38% compared to RLI's net margin of 16.22%. HCI Group's return on equity of 27.69% beat RLI's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
HCI Group	17.38%	27.69%	6.33%
RLI	16.22%	16.26%	4.63%

Does the media prefer HCI or RLI?

In the previous week, HCI Group had 1 more articles in the media than RLI. MarketBeat recorded 7 mentions for HCI Group and 6 mentions for RLI. RLI's average media sentiment score of 1.43 beat HCI Group's score of 0.37 indicating that RLI is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
HCI Group	0 Very Positive mention(s)	2 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
RLI	5 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

HCI Group beats RLI on 13 of the 19 factors compared between the two stocks.