# HCI Group Inc. (HCI) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $187.64, market value $2.3 billion.

## Valuation
- **P/E (trailing): 8.1×** (5-yr avg 99.2×, 3-yr avg 10.8×). HCI Group Inc. trades at 8.1× trailing earnings, well below its own five-year average of 99.2×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.7×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.06**. A PEG of 0.06 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.5×**. Each dollar of revenue is priced at 2.5×.
- **Price / book: 2.2×**. The shares trade at 2.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 17.5%** (5-yr avg 15.3%). Free cash flow equals 17.5% of the market value, in line with its five-year average of 15.3%. Above 5% is generally attractive.
- **Earnings yield: 12.4%**. The inverse of the P/E: 12.4% of the price is earned each year.

## Profitability
- **Net margin: 33.2%**. 33.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 28.7%**. 28.7% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 12.3%**. Each dollar of assets produces 12.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 20.1%** (3-yr 21.7%/yr, 5-yr 23.7%/yr). Revenue grew 20.1% over the last year, against 23.7% a year compounded over five years.
- **EPS growth (1 yr): 155.6%** (5-yr 45.5%/yr). Earnings per share rose 155.6%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $1.2 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.85%** ($1.60 per share, trailing). HCI Group Inc. yields 0.85%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 6%** (5% of free cash flow). 6% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 11**. 11 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 8.4%** (YTD -1.6%, 3-mo 19.5%). The shares are up 8.4% over twelve months including dividends.
- **From 52-week high: -10.9%** (29.6% above the low). Trading 11% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.19** (volatility 31%). Beta of 0.19 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HCI · Page: https://foliofundamentals.com/stocks/hci

Not investment advice.