Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HCI
Strong BuyPremium GrowerFLAGHCI Group, Inc. · Financial Services · United States · $2.3B · Avg Vol: $28M/d
HCI Group has strong quality at Q82 and value V63 with a buyback on file, but momentum at M38 is below the calibrated floor, so stage one fails.
COMPANY DESCRIPTION
HCI Group, Inc. is an insurance holding company focused primarily on providing homeowners' insurance in the challenging Florida market, leveraging its specialized expertise and proprietary technology. The company enhances its competitive position through vertical integration across underwriting, reinsurance, and claims management, aiming for profitability in a high-risk region.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 492.0M | 550.0M | 749.5M | 901.8M | 22.4% | 952.1M | 991.7M | 1.1B | 8.2% |
| EPS | 0.23 | -6.24 | 9.13 | 10.59 | 24.58 | 221.5% | 23.21 | 21.01 | 21.19 | -7.2% |
| Shares | — | 8.6M | 9.7M | 10.8M | 13.0M | +51.1% | 12.4M | — | — | — |
| Debt | — | 212.4M | 209.9M | 229.3M | 67.9M | -31.6% | 67.5M | — | — | — |
| Equity | — | 162.6M | 324.8M | 453.3M | 1.0B | 85.7% | — | — | — | — |
| Op CF | — | -12.0K | 230.7M | 331.8M | 444.4M | 38.8% | 411.4M | — | — | — |
| Inv CF | — | -434.5M | 4.3M | -260.1M | 87.3M | — | — | — | — | — |
| Fin CF | — | 41.1M | 67.1M | -75.2M | 146.2M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HCI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HCI | HCI Group, Inc.(you) | $2.3B | 87 | Strong Buy |
| SLDE | Slide Insurance Holdings, Inc. | $2.7B | 97 | Strong Buy |
| UFCS | United Fire Group, Inc. | $1.4B | 90 | Strong Buy |
| ASIC | Ategrity Specialty Insurance Co | $1.3B | 90 | Strong Buy |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.4B | 72 | Buy |
| HMN | Horace Mann Educators Corporation | $2.1B | 71 | Buy |
| SAFT | Safety Insurance Group, Inc. | $1.5B | 74 | Buy |
| UVE | Universal Insurance Holdings, Inc. | $1.2B | 95 | Strong Buy |
| DGICB | Donegal Group Inc. | $860M | 82 | Strong Buy |
| STC | Stewart Information Services Corporation | $2.1B | 64 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%