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HCI Stock Analysis: Top Small-Cap Hold (Score 59.2/100) | Blank Capital Research | Blank Capital Research
HCI
HCI Group, Inc.
$149.26
-6.05 (-3.90%)
Score59.2
Data as of Apr 6, 2026
HCI
HCI Group, Inc.
FinancialsInsurance
$149.26
-6.05 (-3.90%)
Open $155.52High $155.98Low $148.15Prev $155.31Vol ---52W: $129.58 – $210.50
Catalyst IntelligenceBearish Factor
Downward pressure identified in HCI. The 3.9% decline correlates with broader sector weakness.
Hold
Composite score
01234567890123456789.0123456789
Global rank
#615
Percentile
Top 14%
Business quality
81st
percentile
Exceptional capital efficiency and structural profitability. This enterprise generates superior returns on invested capital compared to industry peers.
HCI Group, Inc. (HCI) is a diversified holding company primarily engaged in property and casualty insurance, reinsurance, and real estate. Operating heavily in Florida, the company utilizes proprietary technology (TypTap) to gain a significant underwriting advantage.
Investment Thesis
HCI is more than just a Florida insurer; it's a technology-enabled risk manager. Their TypTap subsidiary uses advanced data analytics to cherry-pick high-quality policies that traditional carriers often overlook. This has allowed HCI to maintain superior underwriting margins even in a volatile state like Florida. Furthermore, the company has successfully expanded into other states, diversifying its geographic risk. With a growing base of recurring insurance premiums and a profitable real estate portfolio, HCI offers multiple engines for book value growth.
Key Growth Drivers
TypTap Technology Moat
HCI's proprietary underwriting software allows for hyper-accurate risk pricing, resulting in lower loss ratios and a significant competitive edge over legacy insurers.
Florida Market Hardening
Sustained rate increases across the Florida property market are directly flowing to HCI's bottom line as their policies renew at much higher premiums.
Strategic Reinsurance Management
The company's in-house reinsurance division, Claddaugh, allows it to retain a higher portion of underwriting profits during years with low catastrophic activity.
Valuation & Financial Modeling
HCI trades at a reasonable multiple of earnings and book value given its superior ROE. As TypTap continues to scale and demonstrate its efficacy across new states, we expect a significant multiple expansion as the market recognizes the firm's technology-driven advantage.
Risk Factors & Bear Case
Severe hurricane seasons are an ever-present existential risk. While their reinsurance coverage is robust, a 'one-in-a-hundred-year' storm could severely impair capital. Additionally, the regulatory environment in Florida remains complex and subject to political interference.
Conclusion
HCI Group is a high-performance, technology-forward insurer operating in a high-demand market. It offers structural growth and underwriting excellence. Rated 'Buy'.
Upcoming Catalysts
No upcoming catalysts identified.
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Relative valuation derived from Financials sector median benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Multiples adjusted for extreme outliers and non-recurring volatility.
Auditing capital efficiency...
Quality Profile Audit
Score: 81.1GRADE A
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation.
Return on Equity
Profit generated per dollar of shareholder equity
20.0%
Sector: 8.5%
Dividend Analysis audit
GROWTH
0.83%
Trailing Yield
$0.83
Per $100 Invested
Modest dividend — capital prioritized for reinvestment.
Est. Payout Ratio
8%SAFE
Analyst Projections
Analyst Consensus
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Based on our 6-factor quantitative model, HCI Group, Inc. (HCI) receives a "Hold" rating with a composite score of 59.2/100, ranked #615 out of 4446 stocks. Key factor scores: Quality 81/100, Value 79/100, Momentum 39/100. This is quantitative analysis only — not investment advice.
HCI Group, Inc. (HCI) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does HCI Group, Inc. Do?
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, Inc. (HCI) is classified as a small-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Paresh Patel and employs approximately 530 people, headquartered in Tampa, Florida. With a market capitalization of $2.0B, HCI is one of the notable companies in the Financials sector.
HCI Group, Inc. (HCI) Stock Rating — Hold (April 2026)
As of April 2026, HCI Group, Inc. receives a Hold rating with a composite score of 59.2/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.HCI ranks #615 out of 4,446 stocks in our coverage universe. Within the Financials sector, HCI Group, Inc. ranks #185 of 891 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
HCI Stock Price and 52-Week Range
HCI Group, Inc. (HCI) currently trades at $149.26. The stock lost $6.05 (3.9%) in the most recent trading session. The 52-week high for HCI is $210.50, which means the stock is currently trading -29.1% from its annual peak. The 52-week low is $129.58, putting the stock 15.2% above its annual trough. Recent trading volume was 204K shares, suggesting relatively thin trading activity.
Is HCI Overvalued or Undervalued? — Valuation Analysis
HCI Group, Inc. (HCI) carries a value factor score of 79/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 9.05x, compared to the Financials sector average of 14.88x — a discount of 39%. The price-to-book ratio stands at 1.81x, versus the sector average of 1.22x. The price-to-sales ratio is 2.43x, compared to 0.90x for the average Financials stock. On an enterprise value basis, HCI trades at 6.55x EV/EBITDA, versus 3.26x for the sector.
Based on these multiples, HCI Group, Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
HCI Group, Inc. Profitability — ROE, Margins, and Quality Score
HCI Group, Inc. (HCI) earns a quality factor score of 81/100, reflecting elite profitability and capital efficiency that places it among the highest-quality businesses in the market. The return on equity (ROE) is 20.0%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 8.8% versus the sector average of 1.2%.
On a margin basis, HCI Group, Inc. reports gross margins of 0.0%. The operating margin is 30.8% (sector: 21.8%). Net profit margin stands at 25.8%, versus 17.7% for the average Financials stock. Revenue growth is running at 4.9% on a trailing basis, compared to 9.4% for the sector. These metrics collectively paint a picture of a highly profitable business with durable competitive advantages.
HCI Debt, Balance Sheet, and Financial Health
HCI Group, Inc. has a debt-to-equity ratio of 127.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.79x, suggesting adequate working capital coverage. Total debt on the balance sheet is $70M. Cash and equivalents stand at $988M.
HCI has a beta of 0.28, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for HCI Group, Inc. is 77/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
HCI Group, Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, HCI Group, Inc. reported revenue of $827M and earnings per share (EPS) of $24.58. Net income for the quarter was $222M. Gross margin was 0.0%. Operating income came in at $416M.
In FY 2025, HCI Group, Inc. reported revenue of $901M and earnings per share (EPS) of $24.58. Net income for the quarter was $320M. Revenue grew 20.1% year-over-year compared to FY 2024. Operating income came in at $429M.
In Q3 2025, HCI Group, Inc. reported revenue of $216M and earnings per share (EPS) of $5.05. Net income for the quarter was $68M. Revenue grew 23.4% year-over-year compared to Q3 2024. Operating income came in at $91M.
In Q2 2025, HCI Group, Inc. reported revenue of $222M and earnings per share (EPS) of $5.57. Net income for the quarter was $70M. Revenue grew 7.6% year-over-year compared to Q2 2024. Operating income came in at $94M.
Over the past 8 quarters, HCI Group, Inc. has demonstrated a growth trajectory, with revenue expanding from $206M to $827M. Investors analyzing HCI stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
HCI Dividend Yield and Income Analysis
HCI Group, Inc. (HCI) currently pays a dividend yield of 0.8%. At this yield, a $10,000 investment in HCI stock would generate approximately $$83.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning HCI yields less than the typical sector peer. With a net margin of 25.8%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
HCI Momentum and Technical Analysis Profile
HCI Group, Inc. (HCI) has a momentum factor score of 39/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 31/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 23/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
HCI vs Competitors — Financials Sector Ranking and Peer Comparison
Comparing HCI against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full HCI vs S&P 500 (SPY) comparison to assess how HCI Group, Inc. stacks up against the broader market across all factor dimensions.
HCI Next Earnings Date
No upcoming earnings date has been announced for HCI Group, Inc. (HCI) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy HCI? — Investment Thesis Summary
HCI Group, Inc. presents a balanced picture with arguments on both sides. The quality score of 81/100 indicates above-average profitability and business fundamentals. The value score of 79/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 39/100, a headwind for near-term performance. Low volatility (stability score 77/100) reduces downside risk.
In summary, HCI Group, Inc. (HCI) earns a Hold rating with a composite score of 59.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on HCI stock.
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Execution Benchmarks audit
Revenue Growth
YOY expansion rate
4.9%
Sector: 9.4%
-48% VS SCTR
Gross Margin
Core pricing power
0.0%
Sector: 0.0%
-NaN% VS SCTR
Operating Margin
Operating efficiency
30.8%
Sector: 21.8%
+41% VS SCTR
Net Margin
Bottom-line conversion
25.8%
Sector: 17.7%
+46% VS SCTR
Return on Equity
Equity capital efficiency
20.0%
Sector: 8.5%
+134% VS SCTR
Return on Assets
Asset base utilization
8.8%
Sector: 1.2%
+613% VS SCTR
Debt/Equity
Financial leverage load
127.0%
Sector: 121.0%
IN LINE
Dividend Yield
Direct cash return
0.8%
Sector: 2.5%
-67% VS SCTR
+48%
Price / Sales
2.4x
+170%
HCI Group, Inc. exhibits a 70% valuation premium relative to institutional benchmarks. This represents a potential valuation overextension based on current multiples.
Return on Assets
Efficiency of asset utilization
8.8%
Sector: 1.2%
Gross Margin
Pricing power and cost efficiency
0.0%
Sector: 0.0%
Operating Margin
Core business profitability
30.8%
Sector: 21.8%
Net Margin
Bottom-line profitability
25.8%
Sector: 17.7%
Factor Methodology
The Quality factor evaluates the persistence and magnitude of cash flows. Companies with scores >70 exhibit superior competitive moats and financial resilience through economic cycles.
Sector Avg Yield2.48%
Yield Delta-67%
Income Projection audit
A $10,000 investment would generate approximately $83 annually in dividends at the current trailing rate.