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HCI Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
166.320
Open
165.280
VWAP
164.10
Vol
279.97K
Mkt Cap
2.09B
Low
162.350
Amount
45.94M
EV/EBITDA(TTM)
2.69
Total Shares
12.76M
EV
1.23B
EV/OCF(TTM)
2.85
P/S(TTM)
2.28
HCI Group, Inc. is a holding company. The Company is primarily engaged in the property and casualty insurance business. The Company provide various homeowners’ property and casualty insurance products for properties located in the State of Florida, which is our primary market, as well as in other states in the northeast and southeast regions of the United States. The Company operates through five segments: Insurance Operations, Exzeo Group, Reciprocal Exchange Operations, Real Estate, and Corporate and Other. The Insurance Operations includes property and casualty insurance division and reinsurance operations, excluding the insurance operations under Reciprocal Exchange Operations. The Exzeo segment includes insurance technology and operations solutions for property and casualty insurance carriers. The Reciprocal Exchange Operations segment represents the insurance operations of consolidated reciprocal insurance exchanges that are owned by their policyholders.
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Events Timeline

(ET)
2026-05-06
16:30:00
HCI Group Reports Q1 Revenue of $242.9M
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2026-03-03 (ET)
2026-03-03
07:20:00
HCI Group Authorizes Up to $80 Million Share Repurchase
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2026-02-25 (ET)
2026-02-25
17:00:00
HCI Group Reports Q4 Revenue of $246.243M
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2025-11-06 (ET)
2025-11-06
16:30:19
HCI Group announces Q3 diluted earnings per share of $4.90, surpassing consensus estimate of $2.81.
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News

Newsfilter
8.5
06-17Newsfilter
PinnedHCI Group Launches Pilot Project for Digital Tokenized Reinsurance Securities
  • Digital Reinsurance Innovation: HCI Group has launched a pilot project for digital tokenized reinsurance securities, aiming to explore new ways for investors to access catastrophe risk as an asset class by integrating with its Cayman Islands subsidiary, Fortex Re's catastrophe excess-of-loss reinsurance programs.
  • Lower Investment Barriers: The initial offering consists of three distinct tokens available for purchase through SurancePlus, with a minimum investment of $5,000, significantly lowering the barriers to entry into the reinsurance market and expected to attract more qualified investors.
  • Increased Liquidity Potential: The structure of the tokenized securities aligns with the annual reinsurance treaty cycle, resulting in a notably shorter investment horizon, which may enhance liquidity and meet investors' demands for quicker returns.
  • Customized Risk-Return Profiles: Each token features a unique risk-return profile, allowing investors to tailor their catastrophe risk exposures according to their investment objectives, thereby enhancing the flexibility and adaptability of their investment portfolios.
Globenewswire
8.5
06-10Globenewswire
Oxbridge Launches Tokenized Reinsurance Securities
  • Tokenization Innovation: Oxbridge Re Holdings partners with HCI Group to launch three tokenized reinsurance securities, targeting annualized investor returns of 243%, 133%, and 19%, thereby bridging traditional reinsurance markets with digital capital formation and expanding investor participation.
  • Balance Sheet Enhancement: The offering is expected to add approximately $12 million in restricted assets to SurancePlus's balance sheet if maximum subscriptions are achieved, significantly strengthening the company's financial position and providing funding for future expansion.
  • Blockchain Technology Utilization: The tokenized securities will be issued on the Solana blockchain using the Alphaledger platform, ensuring transparency and compliance while providing qualified investors with a new avenue to access traditional reinsurance assets, driving the digital transformation of the market.
  • Market Access Expansion: By lowering the minimum investment threshold to approximately $5,000, Oxbridge enables qualified investors to more easily participate in reinsurance investments, which is expected to attract more capital into this historically hard-to-access asset class.
Yahoo Finance
8.5
06-07Yahoo Finance
HCI Group Completes 2026-2027 Catastrophe Reinsurance Program
  • Increased Reinsurance Coverage: HCI Group has completed its 2026-2027 catastrophe reinsurance program, raising aggregate excess-of-loss coverage to approximately $4.06 billion while expecting to cede about $381.2 million in net reinsurance premiums to third-party reinsurers, thereby enhancing the company's ability to withstand natural disasters and reduce risk exposure.
  • Cost Efficiency Optimization: By expanding the role of its Cayman Islands reinsurer, Fortex Re, and partnering only with counterparties rated A- or better by AM Best, HCI aims to broaden its protection at a significantly lower cost, thus achieving more predictable financial outcomes during future hurricane seasons.
  • Investment Narrative Reshaping: The implementation of the new reinsurance program is expected to alleviate near-term hurricane season risks without altering the central question regarding long-term growth, particularly against the backdrop of depopulation in Florida, prompting investors to focus on balancing concentrated risks with diminishing opportunities.
  • Share Buyback Initiative: HCI launched an $80 million share buyback program in March 2026, running parallel to this reinsurance upgrade, aiming to enhance investor confidence and improve financial performance by combining capital returns with efforts to stabilize catastrophe exposure.
Newsfilter
8.5
06-01Newsfilter
HCI Group Completes 2026-2027 Catastrophe Reinsurance Programs
  • Reinsurance Program Completion: HCI Group has successfully completed its 2026-2027 reinsurance programs, achieving a maximum first-event consolidated retention of $163 million, a 4% increase from the previous year, which will enhance the company's risk transfer capabilities and optimize its financial structure.
  • Increased Reinsurance Limits: The total aggregate excess of loss limit has reached $4.1 billion, representing a 16% increase from the prior year, indicating a significant enhancement in the company's financial protection against potential disasters, thereby boosting investor confidence.
  • Premium Reduction: The expected net consolidated reinsurance premiums are $381 million, a 10% decrease from the previous year, reflecting effective cost control measures, although this may impact short-term profitability.
  • New Subsidiary Participation: The newly formed Cayman Islands-based reinsurer Fortex Re is participating in two of the reinsurance towers, marking a significant expansion in the company's reinsurance strategy, which is expected to further enhance its competitive position in the market.
seekingalpha
9.5
05-07seekingalpha
HCI Group Reports Record Q1 2026 Earnings with Strong Growth Metrics
  • Significant Profit Growth: HCI Group's Q1 pretax income rose 15% year-over-year to $115 million, with diluted earnings per share at $5.45, reflecting strong profitability that reinforces its market position.
  • Premium and Revenue Increase: Total revenue grew over 12% year-over-year, with gross premiums earned up over 8%, indicating stability and growth potential in the insurance market, which is expected to lay a solid foundation for future financial performance.
  • Stock Buyback Program: By the end of April, HCI had repurchased 239,000 shares, utilizing approximately $37.5 million of its $80 million authorization, demonstrating confidence in its value and enhancing shareholder returns.
  • Enhanced Reinsurance Flexibility: The establishment of Fortex Reinsurance provides HCI with greater flexibility to retain risk and reduce third-party reinsurance costs, which is expected to further optimize the company's risk management strategy.
seekingalpha
8.0
04-26seekingalpha
HCI Group Declares $0.40 Quarterly Dividend in Line with Previous
  • Quarterly Dividend Declaration: HCI Group has declared a quarterly dividend of $0.40 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability, which helps bolster investor confidence.
  • Payment Schedule: The dividend is set to be paid on June 18, with a record date of May 15 and an ex-dividend date also on May 15, ensuring shareholders receive timely returns and further solidifying the shareholder base.
  • Share Repurchase Plan: HCI Group is signaling an $80 million share repurchase for 2026, aimed at enhancing earnings per share and increasing shareholder value while providing funding for future strategic M&A explorations.
  • Market Rating Analysis: Despite high technical caution, HCI Group's valuation and fundamentals justify a buy position, reflecting market recognition of its long-term growth potential.
Wall Street analysts forecast HCI stock price to rise
5 Analyst Rating
Wall Street analysts forecast HCI stock price to rise
4 Buy
1 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
190.00
Averages
221.25
High
255.00
Current: 0.000
sliders
Low
190.00
Averages
221.25
High
255.00
Oppenheimer
Oppenheimer
Outperform -> Perform
downgrade
AI Analysis
2025-11-13
Reason
Oppenheimer
Oppenheimer
Price Target
AI Analysis
2025-11-13
downgrade
Outperform -> Perform
Reason
As previously reported, Oppenheimer downgraded HCI Group to Perform from Outperform. The firm notes that over the past two years, the stock is up 133% vs. the S&P's 51% and is up 59% year-to-date vs. S&P's 16%. While Oppenheimer's still holds the company and its management in high regard, it thinks certain key fundamentals have changed since its Outperform rating. Specifically, key legislative reforms initiated in 2023 have dramatically improved the Florida homeowners market, leading to a more competitive environment today, which limits organic growth opportunities over the next 18-24 months, while growth from Citizens depopulation has largely played out, all of which put more pressure on core margins.
Oppenheimer
Michael Phillips
Outperform -> Perform
downgrade
2025-11-13
Reason
Oppenheimer
Michael Phillips
Price Target
2025-11-13
downgrade
Outperform -> Perform
Reason
Oppenheimer analyst Michael Phillips downgraded HCI Group to Perform from Outperform.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for HCI
Unlock Now

Valuation Metrics

The current forward P/E ratio for Hci Group Inc (HCI.N) is 9.51, compared to its 5-year average forward P/E of -52.25. For a more detailed relative valuation and DCF analysis to assess Hci Group Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
-52.25
Current PE
9.51
Overvalued PE
281.21
Undervalued PE
-385.71

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
-756.00
Current EV/EBITDA
2.30
Overvalued EV/EBITDA
1065.47
Undervalued EV/EBITDA
-2577.46

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
1.49
Current PS
2.07
Overvalued PS
2.06
Undervalued PS
0.92

Financials

AI Analysis
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Quarterly

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Whales Holding HCI

H
Hood River Capital Management LLC
Holding
HCI
+31.69%
3M Return
A
Applied Finance Advisors, LLC
Holding
HCI
+25.77%
3M Return

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Frequently Asked Questions

What is Hci Group Inc (HCI) stock price today?

The current price of HCI is 163.63 USD — it has decreased -0.55

What is Hci Group Inc (HCI)'s business?

HCI Group, Inc. is a holding company. The Company is primarily engaged in the property and casualty insurance business. The Company provide various homeowners’ property and casualty insurance products for properties located in the State of Florida, which is our primary market, as well as in other states in the northeast and southeast regions of the United States. The Company operates through five segments: Insurance Operations, Exzeo Group, Reciprocal Exchange Operations, Real Estate, and Corporate and Other. The Insurance Operations includes property and casualty insurance division and reinsurance operations, excluding the insurance operations under Reciprocal Exchange Operations. The Exzeo segment includes insurance technology and operations solutions for property and casualty insurance carriers. The Reciprocal Exchange Operations segment represents the insurance operations of consolidated reciprocal insurance exchanges that are owned by their policyholders.

What is the price predicton of HCI Stock?

Wall Street analysts forecast HCI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HCI is221.25 USD with a low forecast of 190.00 USD and a high forecast of 255.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Hci Group Inc (HCI)'s revenue for the last quarter?

Hci Group Inc revenue for the last quarter amounts to 244.58M USD, increased 12.02

What is Hci Group Inc (HCI)'s earnings per share (EPS) for the last quarter?

Hci Group Inc. EPS for the last quarter amounts to 5.45 USD, increased 1.87

How many employees does Hci Group Inc (HCI). have?

Hci Group Inc (HCI) has 594 emplpoyees as of June 20 2026.

What is Hci Group Inc (HCI) market cap?

Today HCI has the market capitalization of 2.09B USD.