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HCI Group (HCI) Financials

HCI Group logo
$163.89 +0.10 (+0.06%)
Closing price 08/28/2025 03:59 PM Eastern
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$164.44 +0.55 (+0.34%)
As of 07:04 AM Eastern
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Annual Income Statements for HCI Group

Annual Income Statements for HCI Group

This table shows HCI Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 63 66 29 -6.89 18 27 28 1.86 -59 79 110
Consolidated Net Income / (Loss)		 63 66 29 -6.89 18 27 28 7.24 -55 89 128
Net Income / (Loss) Continuing Operations		 63 66 29 -6.89 18 27 28 7.24 -55 89 128
Total Pre-Tax Income 		101 106 47 -16 27 36 37 11 -68 118 173
Total Revenue		 266 286 264 228 213 242 310 408 492 540 750
Net Interest Income / (Expense)		 0.00 0.00 0.00 -17 -18 0.00 0.00 0.00 -7.77 -11 0.00
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.00 17 18 0.00 0.00 0.00 7.77 11 0.00
Total Non-Interest Income		 266 286 264 245 231 242 310 408 500 551 750
Other Service Charges		 4.53 4.76 5.38 5.38 5.39 5.11 5.38 10 8.77 7.33 7.31
Net Realized & Unrealized Capital Gains on Investments		 9.52 -1.31 15 15 12 21 42 20 27 47 65
Premiums Earned		 252 283 244 225 213 216 262 377 464 496 678
Total Non-Interest Expense		 165 180 218 244 186 206 273 397 560 422 577
Property & Liability Insurance Claims		 79 87 125 166 109 108 160 228 371 255 375
Insurance Policy Acquisition Costs		 38 42 43 40 39 42 54 94 105 91 99
Other Operating Expenses		 21 40 39 13 38 43 48 69 81 77 89
Impairment Charge		 - - 0.39 0.04 - - 0.00 0.00 2.28 0.00 0.00
Other Special Charges		 10 11 11 - - 13 12 6.40 - - 13
Income Tax Expense		 38 40 18 -8.73 9.18 9.52 9.35 3.99 -14 28 46
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - - - 0.00 0.00 5.39 3.91 10 18
Basic Earnings per Share		 $5.90 $6.51 $2.95 ($0.75) $2.34 $3.32 $3.55 $0.23 ($6.24) $9.13 $10.59
Weighted Average Basic Shares Outstanding		 10.60M 9.60M 9.33M 9.20M 7.60M 8M 8.62M 10.32M 8.60M 9.98M 10.77M
Diluted Earnings per Share		 $5.36 $5.90 $2.92 ($0.75) $2.34 $3.31 $3.49 $0.21 ($6.24) $7.62 $8.89
Weighted Average Diluted Shares Outstanding		 10.60M 9.60M 9.33M 9.20M 7.60M 8M 8.62M 10.32M 8.60M 9.98M 10.77M
Weighted Average Basic & Diluted Shares Outstanding		 10.60M 9.60M 9.33M 9.20M 7.60M 8M 8.62M 10.32M 8.60M 9.98M 10.77M
Cash Dividends to Common per Share		 $1.10 $1.20 $1.20 $1.40 $1.48 $1.60 $1.60 $1.60 $1.60 $1.60 $1.60

Quarterly Income Statements for HCI Group

This table shows HCI Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 -51 2.25 15 12 13 38 48 54 5.68 2.58
Consolidated Net Income / (Loss)		 -52 2.65 18 15 16 41 57 57 9.39 4.13
Net Income / (Loss) Continuing Operations		 -52 2.65 18 15 16 41 57 57 9.39 4.13
Total Pre-Tax Income 		-64 2.74 23 20 20 54 77 76 14 5.89
Total Revenue		 127 113 129 125 132 154 207 203 175 165
Net Interest Income / (Expense)		 0.00 -7.17 0.00 -2.67 0.00 -8.45 0.00 -3.45 0.00 3.45
Total Interest Expense		 0.00 7.17 0.00 2.67 0.00 8.45 0.00 3.45 0.00 -3.45
Total Non-Interest Income		 127 120 129 127 132 163 207 206 175 162
Other Service Charges		 2.38 2.52 2.38 2.31 1.35 1.30 1.37 1.77 2.28 1.89
Net Realized & Unrealized Capital Gains on Investments		 17 12 17 9.46 8.14 13 17 18 17 14
Premiums Earned		 107 106 110 116 122 149 189 187 156 146
Total Non-Interest Expense		 190 110 106 104 112 100 129 127 161 159
Property & Liability Insurance Claims		 140 72 61 62 67 65 80 78 106 111
Insurance Policy Acquisition Costs		 25 24 23 23 23 23 22 23 26 28
Other Operating Expenses		 23 30 20 20 19 18 24 25 26 14
Income Tax Expense		 -12 0.09 5.34 5.38 4.42 13 20 19 4.69 1.76
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.54 0.41 2.46 2.44 2.51 2.82 9.35 3.02 3.71 1.55
Basic Earnings per Share		 ($5.66) $0.37 $1.78 $1.45 $1.53 $4.37 $4.76 $5.18 $0.54 $0.11
Weighted Average Basic Shares Outstanding		 8.76M 8.60M 8.60M 8.59M 8.59M 9.98M 10.48M 10.47M 10.54M 10.77M
Diluted Earnings per Share		 ($5.66) $0.37 $1.54 $1.28 $1.34 $3.46 $3.81 $4.24 $0.52 $0.32
Weighted Average Diluted Shares Outstanding		 8.76M 8.60M 8.60M 8.59M 8.59M 9.98M 10.48M 10.47M 10.54M 10.77M
Weighted Average Basic & Diluted Shares Outstanding		 8.76M 8.60M 8.60M 8.59M 8.59M 9.98M 10.48M 10.47M 10.54M 10.77M

Annual Cash Flow Statements for HCI Group

This table details how cash moves in and out of HCI Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 21 -47 13 -24 -17 -10 204 198 -394 302 -3.58
Net Cash From Operating Activities		 89 45 88 17 29 54 77 97 -0.01 231 332
Net Cash From Continuing Operating Activities		 89 45 88 17 29 75 105 98 -59 310 413
Net Income / (Loss) Continuing Operations		 63 66 29 -6.89 18 53 55 9.10 -113 168 238
Consolidated Net Income / (Loss)		 63 66 29 -6.89 18 53 55 9.10 -113 168 238
Depreciation Expense		 4.96 5.25 5.41 9.59 11 8.94 8.75 5.55 8.01 8.18 4.30
Amortization Expense		 0.78 0.86 0.73 1.25 0.76 0.05 -0.10 0.17 -0.96 -4.50 -3.41
Non-Cash Adjustments to Reconcile Net Income		 3.54 14 -2.38 -3.58 6.76 4.10 -19 7.29 -1.95 -0.90 11
Changes in Operating Assets and Liabilities, net		 17 -40 55 16 -7.65 8.93 60 76 49 139 164
Net Cash From Investing Activities		 -19 -80 -49 -80 -18 50 143 37 -435 4.27 -260
Net Cash From Continuing Investing Activities		 -19 -80 -49 -80 -18 37 143 37 -435 4.27 -260
Purchase of Property, Leasehold Improvements and Equipment		 -0.45 -0.84 -0.87 -2.34 -2.19 -2.89 -6.44 -3.32 -6.34 -6.50 -4.05
Purchase of Investment Securities		 -135 -161 -127 -182 -382 -96 -111 -128 -644 -377 -854
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - - 0.00 0.00 0.01
Sale and/or Maturity of Investments		 120 89 78 104 367 137 216 168 202 388 598
Other Investing Activities, net		 - - - - 0.00 0.00 44 0.00 15 - 0.00
Net Cash From Financing Activities		 -49 -12 -26 39 -27 -115 -17 64 41 67 -75
Net Cash From Continuing Financing Activities		 -49 -12 -26 39 -27 -115 -17 64 41 67 -78
Issuance of Debt		 - - 19 144 6.00 9.75 10 0.00 173 12 0.00
Issuance of Common Equity		 - - - - - - - 0.00 0.00 85 0.00
Repayment of Debt		 -0.23 - -0.79 -45 -1.23 -92 -7.67 -12 -22 -0.38 43
Repurchase of Common Equity		 -39 -2.40 -20 -46 -21 -20 -6.71 -1.31 -88 -0.78 -1.04
Payment of Dividends		 -12 -12 -12 -13 -10 -13 -12 -16 -21 -20 -20
Other Financing Activities, Net		 2.21 2.56 -13 -0.90 -0.54 0.06 0.06 94 -0.41 -7.81 -100
Effect of Exchange Rate Changes		 -0.03 -0.06 0.00 0.06 -0.16 -0.02 0.00 -0.05 -0.10 -0.04 -0.11
Cash Interest Paid		 6.26 7.21 7.22 8.91 11 9.39 7.48 7.11 6.16 9.25 13
Cash Income Taxes Paid		 44 38 19 12 3.66 7.71 6.20 2.38 0.15 19 54

Quarterly Cash Flow Statements for HCI Group

This table details how cash moves in and out of HCI Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -4.49 -121 67 -8.03 30 213 119 -210 73 14
Net Cash From Operating Activities		 -40 18 99 -93 71 153 182 -29 104 75
Net Cash From Continuing Operating Activities		 -59 -12 114 -81 83 193 230 25 64 94
Net Income / (Loss) Continuing Operations		 -102 4.18 33 27 29 79 105 111 15 6.72
Consolidated Net Income / (Loss)		 -102 4.18 33 27 29 79 105 111 15 6.72
Depreciation Expense		 2.16 2.35 2.23 2.00 1.97 1.98 1.00 -1.05 2.16 2.19
Amortization Expense		 -0.73 -0.04 -1.85 0.17 -1.66 -1.17 -2.15 -0.29 0.70 -1.68
Non-Cash Adjustments to Reconcile Net Income		 12 -26 -2.95 1.89 3.41 -3.26 4.34 1.74 -10 15
Changes in Operating Assets and Liabilities, net		 29 8.02 84 -112 50 116 122 -87 56 72
Net Cash From Investing Activities		 49 -123 -18 77 -34 -21 -4.87 -175 -26 -55
Net Cash From Continuing Investing Activities		 34 -109 -18 77 -34 -21 -4.87 -175 -26 -55
Purchase of Property, Leasehold Improvements and Equipment		 -1.20 -0.91 -1.47 -1.29 -2.42 -1.32 -0.95 -1.09 -0.95 -1.06
Purchase of Investment Securities		 -21 -225 -167 -72 -47 -92 -186 -332 -227 -110
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - - - 0.00
Sale and/or Maturity of Investments		 56 102 151 150 15 72 182 158 202 56
Net Cash From Financing Activities		 -13 -16 -14 7.70 -7.35 81 -58 -5.98 -5.53 -5.47
Net Cash From Continuing Financing Activities		 5.31 -38 -14 7.70 -7.35 81 -58 -5.98 -50 36
Repayment of Debt		 -0.26 -16 0.00 -7.50 -0.11 7.23 -0.10 47 -47 43
Payment of Dividends		 -1.10 -8.97 -6.44 -3.44 -7.18 -3.43 -6.92 -4.17 -1.27 -7.17
Other Financing Activities, Net		 0.48 - -7.35 7.11 -0.06 -7.51 -101 1.40 -1.25 -0.00
Effect of Exchange Rate Changes		 -0.03 -0.01 -0.00 0.00 -0.04 -0.00 0.00 -0.02 -0.02 -0.08
Cash Interest Paid		 0.72 4.49 0.74 3.63 0.56 4.32 1.05 4.63 1.09 5.90
Cash Income Taxes Paid		 0.05 0.05 0.04 3.92 7.45 7.64 0.04 38 16 0.05

Annual Balance Sheets for HCI Group

This table presents HCI Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 599 637 670 842 833 803 941 1,177 1,803 1,811 2,230
Cash and Due from Banks		 314 268 281 256 239 229 431 629 235 536 532
Restricted Cash		 - - - 0.81 0.70 0.70 2.40 2.40 2.90 3.29 3.71
Trading Account Securities		 143 173 219 297 224 238 123 94 518 520 775
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 1.06 1.39 1.65 1.98 1.79 1.62 0.59 0.35 1.95 3.51 6.01
Premises and Equipment, Net		 12 12 11 12 13 15 13 14 18 29 30
Unearned Premiums Asset		 50 60 42 40 35 38 105 95 102 144 143
Deferred Acquisition Cost		 15 19 17 17 17 22 44 58 46 43 54
Intangible Assets		 - - 4.90 5.00 4.80 4.19 3.57 11 11 7.66 5.21
Other Assets		 63 104 94 212 298 254 219 274 869 524 682
Total Liabilities & Shareholders' Equity		 599 637 670 842 833 803 941 1,177 1,803 1,811 2,230
Total Liabilities		 416 399 426 648 651 617 740 762 1,549 1,388 1,761
Non-Interest Bearing Deposits		 4.38 4.98 4.65 4.95 6.19 5.59 11 14 19 16 19
Short-Term Debt		 - - - - - 9.75 24 15 - 0.00 44
Long-Term Debt		 126 129 139 238 250 164 157 46 212 208 185
Claims and Claim Expense		 49 52 70 199 208 215 212 237 864 585 846
Unearned Premiums Liability		 214 187 176 165 158 181 279 386 386 510 603
Other Long-Term Liabilities		 18 26 37 42 30 42 57 65 69 68 64
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 - - - - - - 0.00 90 94 96 1.69
Total Equity & Noncontrolling Interests		 183 238 244 194 181 186 201 325 161 327 467
Total Preferred & Common Equity		 183 238 244 194 181 186 201 323 163 325 453
Total Common Equity		 183 238 244 194 181 186 201 323 163 325 453
Common Stock		 20 24 8.14 0.00 0.00 0.00 0.00 76 0.00 90 122
Retained Earnings		 161 216 233 189 183 183 200 247 172 238 332
Accumulated Other Comprehensive Income / (Loss)		 0.67 -1.79 2.64 4.57 -1.45 2.18 1.54 0.50 -9.89 -3.16 -0.75
Noncontrolling Interest		 - - - - - - 0.00 1.14 -1.34 2.32 14

Quarterly Balance Sheets for HCI Group

This table presents HCI Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 2,145 1,771 1,727 1,724 1,842 1,911 1,987
Cash and Due from Banks		 356 302 294 324 655 446 519
Restricted Cash		 2.90 2.99 2.99 2.99 3.30 3.30 3.31
Trading Account Securities		 395 562 483 512 523 695 725
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 2.03 2.53 2.29 3.89 4.05 7.07 6.38
Premises and Equipment, Net		 18 27 27 29 29 29 29
Unearned Premiums Asset		 156 72 155 139 77 190 164
Deferred Acquisition Cost		 48 47 45 45 45 53 56
Intangible Assets		 14 7.69 7.07 8.27 7.05 6.43 5.82
Other Assets		 1,154 748 711 660 497 482 478
Total Liabilities & Shareholders' Equity		 2,145 1,771 1,727 1,724 1,842 1,911 1,987
Total Liabilities		 1,880 1,498 1,443 1,429 1,444 1,457 1,519
Non-Interest Bearing Deposits		 29 26 27 32 27 24 38
Short-Term Debt		 0.00 - - - 50 48 46
Long-Term Debt		 212 196 208 208 185 185 185
Claims and Claim Expense		 1,202 806 749 709 579 572 612
Unearned Premiums Liability		 380 402 391 396 510 551 555
Other Long-Term Liabilities		 59 68 68 83 94 78 83
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 91 93 95 94 0.00 0.79 1.49
Total Equity & Noncontrolling Interests		 173 180 189 201 398 453 467
Total Preferred & Common Equity		 174 180 188 200 396 447 455
Total Common Equity		 174 180 188 200 396 447 455
Common Stock		 9.97 0.33 1.06 2.17 117 118 120
Retained Earnings		 175 185 194 204 282 332 333
Accumulated Other Comprehensive Income / (Loss)		 -11 -5.10 -6.72 -6.00 -3.10 -2.58 1.92
Noncontrolling Interest		 -1.06 -0.41 0.26 1.12 2.19 5.89 11

Annual Metrics And Ratios for HCI Group

This table displays calculated financial ratios and metrics derived from HCI Group's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 10.38% 7.46% -7.52% -13.78% -6.50% 13.73% 27.93% 31.51% 20.56% 9.71% 39.01%
EBITDA Growth		 -2.01% 5.24% -52.81% -109.02% 908.60% 16.62% 1.09% -62.81% -462.04% 297.72% 43.66%
EBIT Growth		 -5.16% 5.18% -55.88% -133.34% 272.18% 34.16% 2.31% -69.58% -709.08% 271.96% 47.41%
NOPAT Growth		 -4.42% 5.10% -55.94% -137.69% 262.07% 49.94% 3.78% -73.74% -761.32% 286.37% 42.94%
Net Income Growth		 -4.42% 5.10% -55.94% -123.75% 357.14% 49.94% 3.78% -73.74% -853.98% 263.47% 42.94%
EPS Growth		 -4.80% 10.07% -50.51% -125.68% 412.00% 41.45% 5.44% -93.98% -3,071.43% 222.12% 16.67%
Operating Cash Flow Growth		 59.95% -48.97% 94.95% -81.16% 71.90% 89.01% 43.04% 24.82% -100.01% 1,922,250.00% 43.86%
Free Cash Flow Firm Growth		 141.38% -82.76% 88.87% -543.40% 129.84% 452.71% -94.79% -1,769.37% 54.33% -92.95% 180.33%
Invested Capital Growth		 7.31% 19.02% 4.21% 12.86% -0.05% -16.82% 6.24% 24.53% -1.78% 35.44% 10.52%
Revenue Q/Q Growth		 -0.19% -0.47% 3.51% -10.38% -4.94% 17.18% 2.77% 10.03% -0.65% 6.66% 0.00%
EBITDA Q/Q Growth		 -1.02% -4.82% -17.99% 72.12% -42.08% 73.15% -11.69% -6.02% 2.00% 69.91% -21.80%
EBIT Q/Q Growth		 -1.69% -5.24% -20.01% 41.42% -51.26% 125.98% -14.10% -1.56% 0.30% 77.63% -21.77%
NOPAT Q/Q Growth		 -1.57% -5.01% -18.26% 41.42% -53.70% 127.57% -11.90% -14.94% 0.30% 75.03% -22.38%
Net Income Q/Q Growth		 -1.57% -5.01% -18.26% 52.05% -53.70% 127.57% -11.90% -14.94% 2.18% 75.03% -22.38%
EPS Q/Q Growth		 0.19% -4.07% -15.61% 59.46% -49.57% 88.07% -5.93% -76.92% 6.45% 68.21% -26.10%
Operating Cash Flow Q/Q Growth		 21.99% -65.48% 186.19% -65.26% 627.78% 45.13% -17.30% 99.17% -100.04% 141.35% -19.16%
Free Cash Flow Firm Q/Q Growth		 209.62% -57.72% -0.32% 7.98% -33.47% 3.95% -78.54% -0.76% 40.07% -418.35% 292.81%
Invested Capital Q/Q Growth		 0.01% 1.76% -0.02% 0.57% -2.06% 0.57% 4.73% 3.63% -2.02% 25.56% -0.14%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.10% 39.27% 20.04% -2.10% 18.13% 18.59% 14.69% 4.16% -12.48% 22.49% 23.24%
EBIT Margin		 37.94% 37.14% 17.72% -6.85% 12.62% 14.89% 11.91% 2.75% -13.91% 21.81% 23.12%
Profit (Net Income) Margin		 23.55% 23.03% 10.97% -3.02% 8.31% 10.96% 8.89% 1.78% -11.10% 16.54% 17.01%
Tax Burden Percent		 62.07% 62.02% 61.94% 44.12% 65.89% 73.63% 74.69% 64.47% 79.81% 75.87% 73.56%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 37.93% 37.98% 38.06% 0.00% 34.11% 26.37% 25.31% 35.53% 0.00% 24.13% 26.44%
Return on Invested Capital (ROIC)		 21.03% 19.50% 7.74% -2.69% 4.11% 6.72% 7.45% 1.69% -10.17% 16.25% 19.18%
ROIC Less NNEP Spread (ROIC-NNEP)		 21.03% 19.50% 7.74% -0.54% 4.11% 6.72% 7.45% 1.69% -15.10% 16.25% 19.18%
Return on Net Nonoperating Assets (RNNOA)		 15.50% 11.84% 4.31% -0.46% 5.34% 7.76% 6.81% 0.66% -6.14% 10.07% 9.41%
Return on Equity (ROE)		 36.53% 31.34% 12.06% -3.15% 9.44% 14.48% 14.27% 2.35% -16.32% 26.32% 28.59%
Cash Return on Invested Capital (CROIC)		 13.98% 2.13% 3.62% -14.77% 4.16% 25.09% 1.40% -20.16% -8.38% -13.85% 9.19%
Operating Return on Assets (OROA)		 17.95% 17.19% 7.17% -2.07% 3.21% 4.41% 4.24% 1.06% -4.59% 6.51% 8.58%
Return on Assets (ROA)		 11.14% 10.66% 4.44% -0.91% 2.12% 3.25% 3.16% 0.68% -3.66% 4.94% 6.31%
Return on Common Equity (ROCE)		 36.53% 31.34% 12.06% -3.15% 9.44% 14.48% 14.27% 2.00% -11.85% 18.92% 24.93%
Return on Equity Simple (ROE_SIMPLE)		 34.32% 27.71% 11.91% -3.55% 9.77% 14.32% 13.71% 2.24% -33.58% 27.48% 28.14%
Net Operating Profit after Tax (NOPAT)		 63 66 29 -11 18 27 28 7.24 -48 89 128
NOPAT Margin		 23.55% 23.03% 10.97% -4.80% 8.31% 10.96% 8.89% 1.78% -9.74% 16.54% 17.01%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% -2.15% 0.00% 0.00% 0.00% 0.00% 4.93% 0.00% 0.00%
SG&A Expenses to Revenue		 6.19% 0.00% 0.00% 11.02% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 62.06% 62.86% 82.28% 106.85% 87.38% 85.11% 88.10% 97.25% 113.91% 78.19% 76.88%
Earnings before Interest and Taxes (EBIT)		 101 106 47 -16 27 36 37 11 -68 118 173
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 107 112 53 -4.78 39 45 46 17 -61 121 174
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.94 1.22 1.31 1.24 2.20 1.75 1.90 2.47 2.04 2.27 2.70
Price to Tangible Book Value (P/TBV)		 1.94 1.22 1.34 1.28 2.26 1.79 1.94 2.56 2.18 2.32 2.73
Price to Revenue (P/Rev)		 1.33 1.02 1.21 1.06 1.87 1.34 1.23 1.96 0.67 1.36 1.63
Price to Earnings (P/E)		 5.66 4.42 11.04 0.00 22.48 12.21 13.87 430.89 0.00 9.32 11.13
Dividend Yield		 3.41% 4.49% 3.82% 5.67% 3.40% 3.95% 3.34% 2.05% 4.23% 1.87% 1.38%
Earnings Yield		 17.67% 22.62% 9.06% 0.00% 4.45% 8.19% 7.21% 0.23% 0.00% 10.73% 8.99%
Enterprise Value to Invested Capital (EV/IC)		 0.54 0.42 0.47 0.52 0.95 0.75 0.34 0.67 0.85 0.80 1.34
Enterprise Value to Revenue (EV/Rev)		 0.62 0.53 0.68 0.98 1.92 1.11 0.42 0.78 0.81 0.93 1.24
Enterprise Value to EBITDA (EV/EBITDA)		 1.56 1.36 3.37 0.00 10.57 5.95 2.83 18.88 0.00 4.15 5.35
Enterprise Value to EBIT (EV/EBIT)		 1.64 1.44 3.81 0.00 15.18 7.43 3.50 28.49 0.00 4.28 5.38
Enterprise Value to NOPAT (EV/NOPAT)		 2.65 2.32 6.16 0.00 23.04 10.09 4.68 44.18 0.00 5.64 7.31
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.87 3.38 2.02 13.38 14.28 4.96 1.67 3.32 0.00 2.18 2.81
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.99 21.29 13.17 0.00 22.76 2.70 24.98 0.00 0.00 0.00 15.26
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.69 0.54 0.57 1.23 1.38 0.93 0.90 0.15 0.83 0.49 0.49
Long-Term Debt to Equity		 0.69 0.54 0.57 1.23 1.38 0.88 0.78 0.11 0.83 0.49 0.40
Financial Leverage		 0.74 0.61 0.56 0.86 1.30 1.15 0.91 0.39 0.41 0.62 0.49
Leverage Ratio		 3.28 2.94 2.71 3.46 4.46 4.46 4.51 3.44 4.45 5.33 4.53
Compound Leverage Factor		 3.28 2.94 2.71 3.46 4.46 4.46 4.51 3.44 4.45 5.33 4.53
Debt to Total Capital		 40.81% 35.25% 36.29% 55.08% 57.96% 48.32% 47.26% 12.74% 45.38% 33.00% 32.83%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 2.72% 6.23% 3.16% 0.00% 0.00% 6.30%
Long-Term Debt to Total Capital		 40.81% 35.25% 36.29% 55.08% 57.96% 45.60% 41.04% 9.58% 45.38% 33.00% 26.53%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 19.18% 19.77% 15.59% 2.25%
Common Equity to Total Capital		 59.19% 64.75% 63.71% 44.92% 42.04% 51.69% 52.74% 68.08% 34.85% 51.41% 64.92%
Debt to EBITDA		 1.18 1.15 2.62 -49.75 6.47 3.85 3.96 3.57 -3.45 1.72 1.32
Net Debt to EBITDA		 -1.77 -1.23 -2.67 3.94 0.26 -1.25 -5.56 -33.68 0.42 -2.73 -1.76
Long-Term Debt to EBITDA		 1.18 1.15 2.62 -49.75 6.47 3.63 3.43 2.68 -3.45 1.72 1.06
Debt to NOPAT		 2.01 1.97 4.78 -21.75 14.11 6.53 6.54 8.35 -4.42 2.34 1.80
Net Debt to NOPAT		 -3.01 -2.10 -4.88 1.72 0.56 -2.13 -9.19 -78.82 0.54 -3.71 -2.41
Long-Term Debt to NOPAT		 2.01 1.97 4.78 -21.75 14.11 6.16 5.67 6.28 -4.42 2.34 1.45
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 14.80% 27.39% 28.12% 12.80%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 42 7.18 14 -60 18 99 5.17 -86 -39 -76 61
Operating Cash Flow to CapEx		 19,586.98% 5,390.71% 10,205.20% 710.90% 1,307.50% 1,872.08% 1,201.04% 2,908.47% -0.19% 3,547.49% 8,217.34%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 -3.59 0.99 0.00 0.00 0.00 -5.08 -6.84 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.99 1.58 0.00 0.00 0.00 0.00 20.75 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.85 1.46 0.00 0.00 0.00 -0.82 20.16 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.47 0.46 0.40 0.30 0.25 0.30 0.36 0.39 0.33 0.30 0.37
Fixed Asset Turnover		 20.93 23.75 22.84 19.13 16.52 17.30 22.59 30.22 30.60 22.88 25.51
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 308 367 383 432 432 359 381 475 466 632 698
Invested Capital Turnover		 0.89 0.85 0.71 0.56 0.49 0.61 0.84 0.95 1.04 0.98 1.13
Increase / (Decrease) in Invested Capital		 21 59 15 49 -0.22 -73 22 94 -8.47 165 66
Enterprise Value (EV)		 166 153 179 223 408 268 129 320 397 504 933
Market Capitalization		 355 291 320 241 398 325 383 800 331 736 1,224
Book Value per Share		 $16.62 $21.83 $23.93 $19.83 $19.77 $23.14 $25.20 $31.55 $18.57 $37.82 $43.02
Tangible Book Value per Share		 $16.62 $21.83 $23.45 $19.32 $19.25 $22.62 $24.75 $30.51 $17.36 $36.93 $42.53
Total Capital		 308 367 383 432 432 359 381 475 466 632 698
Total Debt		 126 129 139 238 250 173 180 61 212 208 229
Total Long-Term Debt		 126 129 139 238 250 164 157 46 212 208 185
Net Debt		 -189 -138 -142 -19 9.99 -56 -253 -571 -26 -331 -307
Capital Expenditures (CapEx)		 0.45 0.84 0.87 2.34 2.19 2.89 6.44 3.32 6.34 6.50 4.04
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 -4.04 0.00 0.00 0.00 0.00 6.71 0.00 0.00
Net Nonoperating Obligations (NNO)		 126 129 139 238 250 173 180 61 212 208 229
Total Depreciation and Amortization (D&A)		 5.74 6.11 6.13 11 12 8.99 8.65 5.72 7.05 3.69 0.89
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $5.90 $6.51 $2.95 ($0.75) $2.34 $3.32 $3.55 $0.23 ($6.24) $9.13 $10.59
Adjusted Weighted Average Basic Shares Outstanding		 10.76M 10.78M 10.28M 9.46M 8.59M 7.96M 8.62M 10.32M 8.60M 9.98M 10.77M
Adjusted Diluted Earnings per Share		 $5.36 $5.90 $2.92 ($0.75) $2.34 $3.31 $3.49 $0.21 ($6.24) $7.62 $8.89
Adjusted Weighted Average Diluted Shares Outstanding		 10.76M 10.78M 10.28M 9.46M 8.59M 7.96M 8.62M 10.32M 8.60M 9.98M 10.77M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $3.32 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.76M 10.78M 10.28M 9.46M 8.59M 7.96M 8.62M 10.32M 8.60M 9.98M 10.77M
Normalized Net Operating Profit after Tax (NOPAT)		 69 73 36 -11 18 36 36 11 -46 89 137
Normalized NOPAT Margin		 25.99% 25.36% 13.66% -4.78% 8.31% 14.92% 11.72% 2.79% -9.41% 16.54% 18.32%
Pre Tax Income Margin		 37.94% 37.14% 17.72% -6.85% 12.62% 14.89% 11.91% 2.75% -13.91% 21.81% 23.12%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 -0.93 1.49 0.00 0.00 0.00 -8.81 10.58 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 -0.65 0.98 0.00 0.00 0.00 -6.17 8.03 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 -1.07 1.37 0.00 0.00 0.00 -9.62 10.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 -0.79 0.86 0.00 0.00 0.00 -6.98 7.44 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 18.62% 17.74% 40.28% -186.17% 58.40% 47.81% 44.92% 225.09% -37.85% 22.95% 15.30%
Augmented Payout Ratio		 80.86% 21.38% 110.89% -851.66% 177.81% 123.27% 69.24% 243.23% -199.58% 23.83% 16.11%

Quarterly Metrics And Ratios for HCI Group

This table displays calculated financial ratios and metrics derived from HCI Group's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 29.83% -2.77% 2.05% -1.01% 3.94% 36.75% 60.13% 62.68% 33.18% 7.20%
EBITDA Growth		 -1,114.28% 33.03% 326.57% 329.74% 132.81% 987.60% 224.33% 232.85% -16.96% -88.36%
EBIT Growth		 -877.89% 8.08% 478.26% 275.31% 131.58% 1,874.48% 234.67% 275.14% -29.91% -89.12%
NOPAT Growth		 -877.89% 84.74% 537.51% 283.91% 135.19% 1,443.30% 220.10% 283.68% -40.06% -89.90%
Net Income Growth		 -957.99% 84.74% 537.51% 274.22% 130.42% 1,443.30% 220.10% 283.68% -40.06% -89.90%
EPS Growth		 -686.11% 716.67% 1,611.11% 223.08% 123.67% 835.14% 147.40% 231.25% -61.19% -90.75%
Operating Cash Flow Growth		 15.08% -61.85% 72.82% -160.82% 278.93% 740.25% 83.63% 68.87% 45.91% -51.29%
Free Cash Flow Firm Growth		 36.94% 112.07% 503.45% 178.21% 81.64% -1,218.92% -610.14% -307.50% -1,532.93% 49.89%
Invested Capital Growth		 3.87% -1.78% -0.66% -9.48% 5.69% 35.44% 34.92% 39.63% 38.96% 10.52%
Revenue Q/Q Growth		 0.58% -10.96% 7.04% -3.39% 5.60% 17.15% 24.97% -1.85% -13.55% -5.70%
EBITDA Q/Q Growth		 -536.54% 108.13% 365.30% -4.60% -9.09% 169.51% 38.76% -2.09% -77.32% -62.23%
EBIT Q/Q Growth		 -450.19% 104.31% 743.46% -12.40% -0.88% 169.61% 42.97% -1.81% -81.48% -58.16%
NOPAT Q/Q Growth		 -450.19% 105.95% 571.18% -16.36% 5.29% 161.11% 39.21% 0.25% -83.55% -55.98%
Net Income Q/Q Growth		 -502.94% 105.15% 571.18% -16.36% 5.29% 161.11% 39.21% 0.25% -83.55% -55.98%
EPS Q/Q Growth		 -444.23% 106.54% 316.22% -16.88% 4.69% 158.21% 10.12% 11.29% -87.74% -38.46%
Operating Cash Flow Q/Q Growth		 -11.67% 145.75% 443.09% -194.00% 176.61% 114.83% 18.69% -115.94% 459.07% -28.28%
Free Cash Flow Firm Q/Q Growth		 26.70% 117.86% 88.25% 217.40% -117.21% -988.38% 14.17% -29.10% -35.40% 66.60%
Invested Capital Q/Q Growth		 -12.41% -2.02% 0.51% 4.93% 2.28% 25.56% 0.13% 8.59% 1.79% -0.14%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 -49.09% 4.48% 18.23% 18.00% 15.50% 35.65% 36.92% 36.83% 9.66% 3.87%
EBIT Margin		 -50.22% 2.43% 17.93% 16.26% 15.26% 35.12% 37.48% 37.49% 8.03% 3.56%
Profit (Net Income) Margin		 -40.66% 2.35% 13.79% 11.94% 11.90% 26.53% 27.57% 28.16% 5.36% 2.50%
Tax Burden Percent		 80.98% 96.65% 76.91% 73.43% 78.00% 75.54% 73.56% 75.10% 66.70% 70.17%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 3.35% 23.09% 26.57% 22.00% 24.46% 26.44% 24.90% 33.30% 29.83%
Return on Invested Capital (ROIC)		 -37.24% 2.46% 14.72% 11.55% 12.30% 26.07% 31.45% 33.74% 6.68% 2.82%
ROIC Less NNEP Spread (ROIC-NNEP)		 -42.06% 2.46% 14.72% 11.55% 12.30% 26.07% 31.45% 33.74% 6.68% 2.82%
Return on Net Nonoperating Assets (RNNOA)		 -18.90% 1.00% 5.52% 7.87% 9.23% 16.15% 20.21% 20.17% 3.85% 1.38%
Return on Equity (ROE)		 -56.15% 3.45% 20.23% 19.42% 21.53% 42.22% 51.65% 53.91% 10.53% 4.20%
Cash Return on Invested Capital (CROIC)		 -14.08% -8.38% -6.67% 7.60% 4.88% -13.85% -6.41% -4.13% -5.27% 9.19%
Operating Return on Assets (OROA)		 -15.44% 0.80% 6.11% 5.42% 3.99% 10.48% 13.03% 14.56% 3.25% 1.32%
Return on Assets (ROA)		 -12.50% 0.78% 4.70% 3.98% 3.11% 7.92% 9.59% 10.93% 2.17% 0.93%
Return on Common Equity (ROCE)		 -40.56% 2.51% 14.81% 13.47% 14.41% 30.34% 44.36% 46.45% 9.05% 3.67%
Return on Equity Simple (ROE_SIMPLE)		 -32.04% 0.00% -21.97% -8.59% 25.51% 0.00% 32.46% 38.14% 36.10% 0.00%
Net Operating Profit after Tax (NOPAT)		 -45 2.65 18 15 16 41 57 57 9.39 4.13
NOPAT Margin		 -35.15% 2.35% 13.79% 11.94% 11.90% 26.53% 27.57% 28.16% 5.36% 2.50%
Net Nonoperating Expense Percent (NNEP)		 4.82% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 150.22% 97.57% 82.07% 83.74% 84.74% 64.88% 62.52% 62.51% 91.97% 96.44%
Earnings before Interest and Taxes (EBIT)		 -64 2.74 23 20 20 54 77 76 14 5.89
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -62 5.06 24 22 20 55 76 75 17 6.40
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.94 2.04 2.48 2.75 2.29 2.27 2.90 2.15 2.46 2.70
Price to Tangible Book Value (P/TBV)		 2.10 2.18 2.59 2.86 2.39 2.32 2.96 2.18 2.49 2.73
Price to Revenue (P/Rev)		 0.68 0.67 0.89 1.03 0.91 1.36 1.83 1.36 1.49 1.63
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 10.62 9.32 10.32 6.29 7.71 11.13
Dividend Yield		 4.29% 4.23% 3.08% 2.65% 3.00% 1.87% 1.39% 1.74% 1.49% 1.38%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 9.42% 10.73% 9.69% 15.91% 12.97% 8.99%
Enterprise Value to Invested Capital (EV/IC)		 0.59 0.85 0.92 1.07 0.86 0.80 1.15 1.09 1.21 1.34
Enterprise Value to Revenue (EV/Rev)		 0.57 0.81 0.86 1.05 0.86 0.93 1.16 1.06 1.12 1.24
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 6.09 4.15 4.18 3.32 3.78 5.35
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 6.56 4.28 4.23 3.30 3.80 5.38
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 8.53 5.64 5.66 4.41 5.13 7.31
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.49 0.00 10.30 0.00 4.55 2.18 2.32 1.99 2.05 2.81
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 13.35 18.20 0.00 0.00 0.00 0.00 15.26
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.80 0.83 0.72 0.73 0.71 0.49 0.59 0.51 0.49 0.49
Long-Term Debt to Equity		 0.80 0.83 0.72 0.73 0.71 0.49 0.46 0.41 0.40 0.40
Financial Leverage		 0.45 0.41 0.37 0.68 0.75 0.62 0.64 0.60 0.58 0.49
Leverage Ratio		 5.00 4.45 4.30 4.88 6.92 5.33 5.39 4.93 4.86 4.53
Compound Leverage Factor		 5.00 4.45 4.30 4.88 6.92 5.33 5.39 4.93 4.86 4.53
Debt to Total Capital		 44.46% 45.38% 41.84% 42.31% 41.40% 33.00% 37.11% 33.91% 33.05% 32.83%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 7.90% 6.99% 6.58% 6.30%
Long-Term Debt to Total Capital		 44.46% 45.38% 41.84% 42.31% 41.40% 33.00% 29.20% 26.92% 26.47% 26.53%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 18.94% 19.77% 19.72% 19.40% 18.86% 15.59% 0.35% 0.97% 1.83% 2.25%
Common Equity to Total Capital		 36.60% 34.85% 38.45% 38.29% 39.73% 51.41% 62.55% 65.12% 65.12% 64.92%
Debt to EBITDA		 -3.38 -3.45 -4.52 -18.66 2.92 1.72 1.35 1.03 1.04 1.32
Net Debt to EBITDA		 2.35 0.42 2.51 7.96 -1.66 -2.73 -2.44 -0.96 -1.31 -1.76
Long-Term Debt to EBITDA		 -3.38 -3.45 -4.52 -18.66 2.92 1.72 1.06 0.82 0.83 1.06
Debt to NOPAT		 -4.41 -4.42 -5.69 -17.03 4.09 2.34 1.83 1.37 1.41 1.80
Net Debt to NOPAT		 3.06 0.54 3.16 7.27 -2.33 -3.71 -3.30 -1.27 -1.77 -2.41
Long-Term Debt to NOPAT		 -4.41 -4.42 -5.69 -17.03 4.09 2.34 1.44 1.08 1.13 1.45
Noncontrolling Interest Sharing Ratio		 27.76% 27.39% 26.82% 30.63% 33.10% 28.12% 14.11% 13.84% 14.12% 12.80%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -62 11 21 66 -11 -124 -107 -138 -187 -62
Operating Cash Flow to CapEx		 -3,318.64% 2,005.38% 6,746.70% -7,205.34% 2,947.03% 11,634.07% 19,237.74% -2,653.61% 10,939.50% 7,065.94%
Free Cash Flow to Firm to Interest Expense		 0.00 1.55 0.00 24.91 0.00 -14.72 0.00 -39.93 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 2.55 0.00 -34.93 0.00 18.15 0.00 -8.40 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 2.42 0.00 -35.42 0.00 17.99 0.00 -8.72 0.00 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.31 0.33 0.34 0.33 0.26 0.30 0.35 0.39 0.40 0.37
Fixed Asset Turnover		 31.24 30.60 23.80 22.56 21.75 22.88 22.42 24.95 25.77 25.51
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 476 466 469 492 503 632 633 687 699 698
Invested Capital Turnover		 1.06 1.04 1.07 0.97 1.03 0.98 1.14 1.20 1.25 1.13
Increase / (Decrease) in Invested Capital		 18 -8.47 -3.14 -52 27 165 164 195 196 66
Enterprise Value (EV)		 281 397 430 525 435 504 727 752 843 933
Market Capitalization		 337 331 447 518 459 736 1,149 962 1,121 1,224
Book Value per Share		 $19.26 $18.57 $20.97 $21.91 $23.26 $37.82 $39.65 $42.70 $43.48 $43.02
Tangible Book Value per Share		 $17.75 $17.36 $20.07 $21.09 $22.30 $36.93 $38.94 $42.09 $42.92 $42.53
Total Capital		 476 466 469 492 503 632 633 687 699 698
Total Debt		 212 212 196 208 208 208 235 233 231 229
Total Long-Term Debt		 212 212 196 208 208 208 185 185 185 185
Net Debt		 -147 -26 -109 -89 -119 -331 -424 -216 -291 -307
Capital Expenditures (CapEx)		 1.20 0.91 1.47 1.29 2.42 1.32 0.95 1.09 0.95 1.06
Net Nonoperating Expense (NNE)		 6.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 212 212 196 208 208 208 235 233 231 229
Total Depreciation and Amortization (D&A)		 1.43 2.31 0.39 2.17 0.31 0.82 -1.15 -1.34 2.86 0.51
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($5.66) $0.37 $1.78 $1.45 $1.53 $4.37 $4.76 $5.18 $0.54 $0.11
Adjusted Weighted Average Basic Shares Outstanding		 8.76M 8.60M 8.60M 8.59M 8.59M 9.98M 10.48M 10.47M 10.54M 10.77M
Adjusted Diluted Earnings per Share		 ($5.66) $0.37 $1.54 $1.28 $1.34 $3.46 $3.81 $4.24 $0.52 $0.32
Adjusted Weighted Average Diluted Shares Outstanding		 8.76M 8.60M 8.60M 8.59M 8.59M 9.98M 10.48M 10.47M 10.54M 10.77M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.76M 8.60M 8.60M 8.59M 8.59M 9.98M 10.48M 10.47M 10.54M 10.77M
Normalized Net Operating Profit after Tax (NOPAT)		 -43 2.65 20 15 18 41 59 57 12 4.13
Normalized NOPAT Margin		 -33.60% 2.35% 15.46% 11.94% 13.58% 26.53% 28.69% 28.16% 6.66% 2.50%
Pre Tax Income Margin		 -50.22% 2.43% 17.93% 16.26% 15.26% 35.12% 37.48% 37.49% 8.03% 3.56%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.38 0.00 7.60 0.00 6.41 0.00 22.02 0.00 0.00
NOPAT to Interest Expense		 0.00 0.37 0.00 5.58 0.00 4.84 0.00 16.54 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.26 0.00 7.11 0.00 6.25 0.00 21.71 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.24 0.00 5.10 0.00 4.69 0.00 16.22 0.00 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 -28.20% -37.85% -51.91% -123.30% 51.03% 22.95% 16.32% 12.71% 9.60% 15.30%
Augmented Payout Ratio		 -135.78% -199.58% -274.67% -264.72% 108.01% 23.83% 17.12% 13.32% 10.23% 16.11%

Key Financial Trends

HCI Group has demonstrated notable financial performance and trends over the last four years, especially throughout the 2023 and 2024 fiscal periods. Here is a concise analysis based on the income statements, cash flow statements, and balance sheets for recent quarters:

  • Consistent growth in Total Revenue, with Q4 2024 reaching $165.3M compared to $112.8M in Q4 2022, showing strong top-line improvement.
  • Premiums Earned have risen steadily, with Q4 2024 premiums at $146.4M, up from $105.9M in Q4 2022, indicating expanded business activity.
  • Net Realized & Unrealized Capital Gains on Investments have increased, reaching $13.6M in Q4 2024 from $11.5M in Q4 2022, supporting non-interest income growth.
  • Operating cash flow remains strong and positive, with Q4 2024 showing $94.2M net cash from continuing operating activities, improving liquidity and operational strength.
  • Total Assets have grown over time, from approximately $1.74B in early 2022 to $1.99B by Q3 2024, indicating asset base expansion.
  • Weighted average diluted shares outstanding increased moderately, suggesting limited dilution and potential for EPS growth.
  • Net Interest Expense has fluctuated, recorded as a positive $3.5M in Q4 2024 but was negative in other quarters; this volatility may affect net margins.
  • Investing activities show net cash outflows, often driven by purchase of investment securities exceeding sales, reflecting active investment management.
  • Total Non-Interest Expense has risen significantly, from $110M in Q4 2022 to approximately $159M in Q4 2024, pressuring profitability.
  • Net Income Attributable to Common Shareholders declined in recent quarters, with Q4 2024 showing approximately $2.6M, down from higher amounts in prior periods, indicating earnings pressure.

Summary: HCI Group has strengthened its revenue base and asset size with increased premiums and investment gains contributing positively. Operational cash flows remain robust, supporting business viability. However, rising operating expenses and variability in net interest expense have constrained net income growth in recent quarters, warranting attention. Investors should monitor expense management and net income trends alongside continued revenue growth for future outlook clarity.

08/29/25 06:06 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About HCI Group's Financials

When does HCI Group's fiscal year end?

According to the most recent income statement we have on file, HCI Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has HCI Group's net income changed over the last 10 years?

HCI Group's net income appears to be on an upward trend, with a most recent value of $127.58 million in 2024, rising from $62.66 million in 2014. The previous period was $89.26 million in 2023. View HCI Group's forecast to see where analysts expect HCI Group to go next.

How has HCI Group's revenue changed over the last 10 years?

Over the last 10 years, HCI Group's total revenue changed from $266.11 million in 2014 to $750.05 million in 2024, a change of 181.9%.

How much debt does HCI Group have?

HCI Group's total liabilities were at $1.76 billion at the end of 2024, a 26.9% increase from 2023, and a 323.4% increase since 2014.

How much cash does HCI Group have?

In the past 10 years, HCI Group's cash and equivalents has ranged from $229.22 million in 2019 to $628.94 million in 2021, and is currently $532.47 million as of their latest financial filing in 2024.

How has HCI Group's book value per share changed over the last 10 years?

Over the last 10 years, HCI Group's book value per share changed from 16.62 in 2014 to 43.02 in 2024, a change of 158.9%.


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This page (NYSE:HCI) was last updated on 8/29/2025 by MarketBeat.com Staff
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