HCI

Hci Group Inc

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Advanced Chart

183.770

-5.66(-2.988%)1D

Line

Candle

YTD

High

187.615

Open

185.070

VWAP

183.71

Vol

150.69K

Mkt Cap

2.38B

Low

181.210

Amount

27.68M

EV/EBITDA(TTM)

4.83

Total Shares

10.48M

1.50B

EV/OCF(TTM)

3.67

P/S(TTM)

2.89

HCI Group, Inc. is a holding company engaged in property and casualty insurance, information technology services, insurance management, real estate and reinsurance. It operates through two operating units. The Company operates through five segments: insurance operations, Exzeo Group, reciprocal exchange operations, real estate operations, and corporate and other. Its insurance business includes property and casualty insurance division and reinsurance operations, excluding the insurance operations under reciprocal exchange operations. The Exzeo Group segment includes insurance solutions, information technology operations, and its management company’s activities. The reciprocal exchange segment represents the insurance operations of CORE and Tailrow, consolidated VIEs. The real estate operations segment includes companies engaged in operating commercial properties the Company owns for investment purposes or for use in its own operations.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q2

FY2026Q1

FY2025Q4

239.38M

+7.87%

4.680

-9.65%

237.99M

+9.96%

4.917

-8.1%

234.08M

+44.61%

4.786

+1443.87%

Estimates Revision

The market is revising Downward the revenue expectations for HCI Group, Inc. (HCI) for FY2025, with the revenue forecasts being adjusted by -0.27% over the past three months. During the same period, the stock price has changed by 16.58%.

Revenue Estimates for FY2025

Revise Downward

-0.27%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+7.54%

In Past 3 Month

Stock Price

Go Up

+16.58%

In Past 3 Month

4 Analyst Rating

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 is 195.00 USD with a low forecast of 190.00 USD and a high forecast of 205.00 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.

4 Buy

0 Hold

0 Sell

Strong Buy

Current: 183.770

Low

190.00

Averages

195.00

High

205.00

Current: 183.770

Low

190.00

Averages

195.00

High

205.00

Oppenheimer

Outperform -> Perform

downgrade

2025-11-13

New

Reason

Oppenheimer

Price Target

2025-11-13

New

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

New

Reason

Oppenheimer

Michael Phillips

Price Target

2025-11-13

New

downgrade

Outperform -> Perform

Reason

Oppenheimer analyst Michael Phillips downgraded HCI Group to Perform from Outperform.

Citizens JMP

Outperform

maintain

$225 -> $255

2025-11-10

New

Reason

Citizens JMP

Price Target

$225 -> $255

2025-11-10

New

maintain

Outperform

Reason

Citizens JMP raised the firm's price target on HCI Group to $255 from $225 and keeps an Outperform rating on the shares. HCI Group posted a strong quarter, and as the business has scaled and profitability has improved, the volatility from storm activity has been substantially reduced, the analyst tells investors in a research note. The firm believes the shares remain significantly undervalued.

Truist

Buy

maintain

$190 -> $234

2025-11-09

New

Reason

Truist

Price Target

$190 -> $234

2025-11-09

New

maintain

Buy

Reason

Truist raised the firm's price target on HCI Group (HCI) to $234 from $190 and keeps a Buy rating on the shares. The firm cites the company's reported Q3 upside along with lower assumed losses, offset by slight dilution from the Exzeo (XZO) IPO, the analyst tells investors in a research note.

Compass Point

Neutral -> Buy

upgrade

$148 -> $205

2025-05-30

Reason

Compass Point

Price Target

$148 -> $205

2025-05-30

upgrade

Neutral -> Buy

Reason

Compass Point upgraded HCI Group to Buy from Neutral with a price target of $205, up from $148.

Citizens JMP

Outperform

maintain

$210 -> $225

2025-05-19

Reason

Citizens JMP

Price Target

$210 -> $225

2025-05-19

maintain

Outperform

Reason

Citizens JMP raised the firm's price target on HCI Group to $225 from $210 and keeps an Outperform rating on the shares. The firm walked away from spending time with management last week with a continued high degree of confidence in the legacy HCI and the soon-to-be-spun-off Exzeo businesses long-term, the analyst tells investors in a research note. Citizens continues to view shares of HCI as undervalued.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Hci Group Inc (HCI.N) is 10.93, compared to its 5-year average forward P/E of -61.92. For a more detailed relative valuation and DCF analysis to assess Hci Group Inc 's fair value, click here.

Forward PE
Forward EV/EBITDA
Forward PS

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.

N/A

5Y Average PE

-61.92

Current PE

10.93

Overvalued PE

278.71

Undervalued PE

-402.55

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.

N/A

5Y Average EV/EBITDA

-759.12

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

1065.33

Undervalued EV/EBITDA

-2583.57

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.

N/A

5Y Average PS

3.44

Current PS

183.77

Overvalued PS

23.37

Undervalued PS

-16.48