Is HCI Group (HCI) overvalued or fairly valued?

MarketChacha shows HCI Group's valuation in context — a trailing P/E of about 8.1, a forward P/E of about 9.7, a price-to-book of about 2.2 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does HCI Group's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (2.06×) from reported figures — education, not a rating.

What is HCI Group's revenue?

HCI Group reported revenue of $900.9M for FY2025, with net profit of $299.0M, per official filings.

What is the share price of HCI Group (HCI)?

HCI Group last traded at $187.64 (-1.2% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

HCI Group

HCI · NYSE · Financials · United States

Snapshot

TickerHCI

ExchangeNYSE

SectorFinancials

IndustryInsurance - Property & Casualty

CountryUnited States

Employees594

HeadquartersTampa, United States

Websitewww.hcigroup.com

Filings tracked17

About HCI Group

HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments. It provides homeowners' property and casualty insurance products; claim adjusting and processing services; turnkey insurance technology and operations solutions to property and casualty insurance carriers and its agents through the Exzeo platform; and SAMSTM, a web-based system designed to automate and streamline the process of managing insurance policies. The company also offers Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; AtlasViewer, a mapping and data visualization platform. In addition, it is involved in reciprocal exchange operations; and developing and operating commercial properties for investment purposes. 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.

Who owns it

Insiders14.7%
Institutions77.6%
Public & other7.7%

396 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.82%
Khrom Capital Management LLC5.55%
Vanguard Capital Management LLC3.84%
State Street Corporation3.41%
American Century Companies Inc3.34%
Dimensional Fund Advisors LP3.29%
Geode Capital Management, LLC2.40%
Vanguard Portfolio Management LLC2.22%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion2.06×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend14.4% → 33.2%

Margin has expanded by about 18.8 points — the business is getting more profitable.

Return on equity28.7%

Latest ROE of 28.7% — capital is generating a healthy return.

Growth qualityrev 28% · PAT 95%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $250.7M · EPS 5.22

Est. earnings growth -28.0%

Next fiscal year

Rev $1.1B · EPS 19.58

Est. earnings growth +1.3%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$900.9M

Net margin

33.2%

ROE

28.7%

Revenue CAGR (2y)

+27.9%

Profit CAGR (2y)

+94.5%

EPS (FY2025)

22.72

Net profit (FY2025)

$299.0M

Ask MarketChacha about HCI

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$900.9M	$299.0M	22.72	33.2%	28.7%
FY2024	$750.1M	$110.0M	8.89	14.7%	24.3%
FY2023	$550.7M	$79.0M	7.62	14.4%	24.3%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$246.7M	$73.8M	5.60	29.9%
2026Q1	$242.9M	$73.4M	5.45	30.2%
2025Q4	$246.2M	$108.0M	7.25	43.9%
2025Q3	$216.3M	$65.5M	4.90	30.3%
2025Q2	$221.9M	$66.2M	5.18	29.8%
2025Q1	$216.4M	$69.7M	5.35	32.2%
2024Q4	$161.9M	$4.1M	0.23	2.6%
2024Q3	$175.3M	$5.7M	0.52	3.2%
2024Q2	$206.2M	$54.1M	4.24	26.2%
2024Q1	$206.6M	$47.6M	3.81	23.0%
2023Q4	$162.7M	$40.9M	3.40	25.2%
2023Q3	$131.6M	$13.2M	1.34	10.0%
2023Q2	$127.3M	$12.4M	1.28	9.8%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/7/2026
8-K — Results of operations, Exhibits
SEC8/6/2026material
8-K — Material agreement
SEC6/15/2026material
8-K — Shareholder vote results
SEC6/12/2026material
8-K — Material agreement
SEC6/1/2026material
10-Q filing
SEC5/7/2026
8-K — Results of operations, Exhibits
SEC5/6/2026material
10-K filing
SEC2/26/2026
8-K — Results of operations, Exhibits
SEC2/25/2026material

2025

8-K — Material agreement, Executive/director change, Reg FD disclosure, Exhibits
SEC12/23/2025material
8-K — Executive/director change
SEC12/19/2025material
10-Q filing
SEC11/7/2025
8-K — Results of operations, Exhibits
SEC11/6/2025material
8-K — Results of operations
SEC10/16/2025material
8-K — Reg FD disclosure, Exhibits
SEC9/25/2025material
10-Q filing
SEC8/8/2025
8-K — Results of operations, Exhibits
SEC8/7/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.