HCI Group, Inc. (HCI) is a Financials stock trading at $182.37 (as of 2026-08-21), with a market capitalization of $2.27B and a trailing P/E of 8.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, reinsurance, real estate, and information technology businesses in Florida. It provides residential insurance products, such as homeowners, fire, flood, and wind-only insurance to homeowners, condominium owners, and tenants for properties, as well as offers reinsurance programs. The company also owns and operates waterfront properties and retail shopping centers, and an office building, as well as commercial properties for investment purposes. In addition, it designs and develops web-based applications and products for mobile devices, including SAMS, an online policy administration platform; Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; and AtlasViewer, a mapping and data visualization platform. The company was formerly known as Homeowners Choice, Inc. and changed its name to HCI Group, Inc. in May 2013. HCI Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.
HCI Group sells property and casualty insurance for Florida residential properties, offers reinsurance programs, and also owns real estate and runs a web-based information technology business that manages insurance premiums via its platform.
The profit engine is the growth and durability of the insurance policy book, where Premiums in Force and In-Force Premiums feed into Consolidated Gross Premiums Earned, then net profitability is shaped by Premiums Ceded for Reinsurance and supported by Exeo Premiums Managed on Its Platform.
Business quality (Exceptional): Strong operating profitability in the latest reported quarter, with the core driver tied to insurance in-force (premiums) and with reinsurance activity and the Exeo platform contributing to how premiums ultimately convert into earnings.
Valuation: At 7× earnings, HCI trades 44% below the Insurance average (13×). Note: one-time items can distort reported P/E.
| Price | $182.37 |
| Market Cap | $2.27B |
| P/E Ratio | 8.1 |
| EV / EBITDA | 3.3 |
| Price / Book | 1.93 |
| Price / Sales | 2.44 |
| FCF Yield | 19.6% |
| DCF Value (model) | $775.56 |
| DCF Upside vs Price | 325.3% |
| Revenue (TTM) | $900.95M |
| Net Margin | 33.2% |
| Revenue Growth (YoY) | 12.2% |
| EPS Growth (YoY) | -13.1% |
| FCF Growth (YoY) | -7.4% |
| Stock P/E | 8.1 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Insurance) | 13.0 |
| vs Sector | -46.1% |
| vs Industry | -37.6% |
| Top Institutional Holder | BlackRock, Inc. ($253.76M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Insurance |
| CEO | Pareshbhai Suryakant Patel |
| Employees | 552 |
| Country | US |
| IPO Date | 2008-09-15 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.