Is HCI Stock a Good Investment?

HCI Investment Advice

HCI

To provide specific investment advice or recommendations on HCI Group stock, we recommend investors consider the following general factors when evaluating HCI Group. This will help you to make an informed decision on whether to include HCI in one of your diversified portfolios:

Examine HCI's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
Research HCI's leadership team and their track record. Good management can help HCI navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
Consider the overall health of the Property & Casualty Insurance space and any emerging trends that could impact HCI's business and its evolving consumer preferences.
Compare HCI's performance and market position to its competitors. Analyze how HCI is positioned in terms of product offerings, innovation, and market share.
Check if HCI pays a dividend and its dividend yield and payout ratio.
Review what financial analysts are saying about HCI's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.

It's important to note that investing in HCI Group stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if HCI Group is a good investment.

Sell

Buy

Hold

Macroaxis provides investment recommendation on HCI to complement and cross-verify current analyst consensus on HCI Group. Our trade recommendations engine determines the company's potential to grow exclusively from the perspective of an investor's current risk tolerance and investing horizon. To make sure HCI Group is not overpriced, please check out all HCI fundamentals, including its revenue, total debt, and the relationship between the price to earning and net income . Given that HCI Group has a price to earning of 10.45 X, we strongly advise you to confirm HCI Group market performance and probability of bankruptcy to ensure the company can sustain itself in the future given your regular risk tolerance and investing horizon.

Market Performance	Weakest	Details
Volatility	Very steady	Details
Hype Condition	Low key	Details
Current Valuation	Undervalued	Details
Odds Of Distress	Low	Details
Economic Sensitivity	Follows the market closely	Details
Investor Sentiment	Impartial	Details
Analyst Consensus	Strong Buy	Details
Financial Strenth (F Score)	Strong	Details
Financial Leverage	Not Rated	Details
Reporting Quality (M-Score)	Unlikely Manipulator	Details

Examine HCI Stock

Researching HCI's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 18.0% of the company shares are held by company insiders. The book value of HCI was currently reported as 43.12. The company has Price/Earnings To Growth (PEG) ratio of 1.7. HCI Group recorded earning per share (EPS) of 11.42. The entity last dividend was issued on the 15th of August 2025.

To determine if HCI is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding HCI's research are outlined below:

	HCI Group generated a negative expected return over the last 90 days
	HCI Group has 230.44 M in debt with debt to equity (D/E) ratio of 0.64, which is OK given its current industry classification. HCI Group has a current ratio of 0.82, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Note however, debt could still be an excellent tool for HCI to invest in growth at high rates of return.
	HCI Group has a strong financial position based on the latest SEC filings
	Over 78.0% of HCI shares are owned by institutional investors
	On 20th of June 2025 HCI paid $ 0.4 per share dividend to its current shareholders
	Latest headline from finance.yahoo.com: HCI Group Surprises With Q2 Sales

HCI Quarterly Liabilities And Stockholders Equity

1.92 Billion

HCI uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in HCI Group. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to HCI's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.

	14th of March 2024 Upcoming Quarterly Report	View
	14th of May 2024 Next Financial Report	View
	31st of December 2023 Next Fiscal Quarter End	View
	14th of March 2024 Next Fiscal Year End	View
	30th of September 2023 Last Quarter Report	View
	31st of December 2022 Last Financial Announcement	View

Earnings surprises can significantly impact HCI's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises HCI's investors have experienced.

Reported	Fiscal Date	Estimated EPS	Reported EPS	Surprise
2019-03-07	2018-12-31	-0.43	-0.48	-0.05	11
2011-11-08	2011-09-30	0.2	0.27	0.07	35
2010-08-10	2010-06-30	0.12	0.19	0.07	58
2020-03-05	2019-12-31	0.85	0.76	-0.09	10
2011-05-10	2011-03-31	0.21	0.12	-0.09	42
2019-11-05	2019-09-30	0.56	0.67	0.11	19
2010-11-09	2010-09-30	0.13	0.25	0.12	92
2017-05-04	2017-03-31	1.03	1.16	0.13	12

HCI Target Price Consensus

HCI target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. HCI's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.

5	Strong Buy

Most HCI analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand HCI stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of HCI Group, talking to its executives and customers, or listening to those companies' conference calls.

Macroaxis Advice Exposure Valuation

HCI Target Price Projection

HCI's current and average target prices are 155.22 and 202.50, respectively. The current price of HCI is the price at which HCI Group is currently trading. On the other hand, HCI's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.

Current Price

HCI Market Quote on 13th of August 2025

Low Price	140.18	Odds
High Price	155.22	Odds

155.22 Target Price

Analyst Consensus On HCI Target Price

Low Estimate	184.28	Odds
High Estimate	224.78	Odds

202.5

Historical

Lowest Forecast 184.28

Target Price 202.5

Highest Forecast 224.78

Note that most analysts generally publish their price targets in research reports on specific companies, along with recommendations for the company's stock.Although price targets are often quoted in the financial news media, there could be a delay between the publication of the latest analyst outlook on HCI Group and the information provided on this page.

HCI Analyst Ratings

HCI's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about HCI stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of HCI's financials, market performance, and future outlook by experienced professionals. HCI's historical ratings below, therefore, can serve as a valuable tool for investors.

Know HCI's Top Institutional Investors

Have you ever been surprised when a price of an equity instrument such as HCI is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading HCI Group backward and forwards among themselves. HCI's institutional investor refers to the entity that pools money to purchase HCI's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.

		Shares
Wellington Management Company Llp	2025-03-31	175.4 K
Freestone Grove Partners Lp	2025-03-31	170.7 K
Goldman Sachs Group Inc	2025-03-31	145.8 K
Qube Research & Technologies	2025-03-31	144.6 K
Balyasny Asset Management Llc	2025-03-31	126.3 K
Ubs Group Ag	2025-03-31	120.1 K
Two Sigma Advisers, Llc	2025-03-31	112.4 K
Millennium Management Llc	2025-03-31	102.4 K
Northern Trust Corp	2025-03-31	91.1 K
Blackrock Inc	2025-03-31	1.5 M
Hood River Capital Management Llc	2025-03-31	941.3 K

Note, although HCI's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

HCI's market capitalization trends

The company currently falls under 'Mid-Cap' category with a total capitalization of 2.03 B.

Market Cap

856.79 Million

HCI's profitablity analysis

	Last Reported	Projected for Next Year
Return On Tangible Assets	0.05	0.06
Return On Capital Employed	0.09	0.10
Return On Assets	0.05	0.05
Return On Equity	0.24	0.18

The company has Net Profit Margin of 0.19 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of (0.04) %, which entails that for every $100 of revenue, it lost $0.04.

Determining HCI's profitability involves analyzing its financial statements and using various financial metrics to determine if HCI is a good buy. For example, gross profit margin measures HCI's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of HCI's profitability and make more informed investment decisions.

Evaluate HCI's management efficiency

HCI Group has Return on Asset of 0.0673 % which means that on every $100 spent on assets, it made $0.0673 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.2547 %, implying that it generated $0.2547 on every 100 dollars invested. HCI's management efficiency ratios could be used to measure how well HCI manages its routine affairs as well as how well it operates its assets and liabilities. As of now, HCI's Return On Tangible Assets are decreasing as compared to previous years. The HCI's current Return On Capital Employed is estimated to increase to 0.1, while Return On Equity is projected to decrease to 0.18. As of now, HCI's Other Assets are increasing as compared to previous years. The HCI's current Intangible Assets is estimated to increase to about 6.5 M, while Total Current Assets are projected to decrease to under 92.9 M.

	Last Reported	Projected for Next Year
Book Value Per Share	46.92	49.26
Tangible Book Value Per Share	46.40	48.72
Enterprise Value Over EBITDA	4.52	4.74
Price Book Value Ratio	2.57	2.70
Enterprise Value Multiple	4.52	4.74
Price Fair Value	2.57	2.70
Enterprise Value	522.1 M	305.1 M

HCI showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.

Dividend Yield

0.0104

Forward Dividend Yield

0.0104

Forward Dividend Rate

1.6

Beta

1.224

Basic technical analysis of HCI Stock

As of the 13th of August 2025, HCI retains the downside deviation of 1.77, and Semi Deviation of 1.67. HCI technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the entity's future prices.

HCI's insider trading activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific HCI insiders, such as employees or executives, is commonly permitted as long as it does not rely on HCI's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases HCI insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

		Sanjay Madhu over three weeks ago Acquisition by Sanjay Madhu of 750 shares of HCI subject to Rule 16b-3
		James Harmsworth over two months ago Disposition of 223 shares by James Harmsworth of HCI at 121.33 subject to Rule 16b-3
		Peter Politis over three months ago Acquisition by Peter Politis of 750 shares of HCI subject to Rule 16b-3
		Gregory Politis over six months ago Acquisition by Gregory Politis of 750 shares of HCI subject to Rule 16b-3
		Watts Susan over six months ago Acquisition by Watts Susan of 420 shares of HCI at 58.9066 subject to Rule 16b-3
		Andrew Graham over six months ago Disposition of 800 shares by Andrew Graham of HCI at 116.42 subject to Rule 16b-3
		James Harmsworth over six months ago Disposition of 213 shares by James Harmsworth of HCI at 64.61 subject to Rule 16b-3
		Andrew Graham over a year ago Disposition of 214 shares by Andrew Graham of HCI at 102.33 subject to Rule 16b-3
		Andrew Graham over a year ago Disposition of 28 shares by Andrew Graham of HCI at 116.1005 subject to Rule 16b-3
		Susan Watts over a year ago HCI exotic insider transaction detected
		Lauren Valiente over a year ago HCI exotic insider transaction detected
		Lauren Valiente over a year ago Purchase by Lauren Valiente of 441 shares of HCI

HCI's Outstanding Corporate Bonds

HCI issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. HCI Group uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most HCI bonds can be classified according to their maturity, which is the date when HCI Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

	HCA INC Corp Bond US404119CB31	View
	HCA INC Corp Bond US404119CC14	View
	HCA INC 525 Corp Bond US404119BT57	View
	HCA INC 45 Corp Bond US404119BU21	View
	HCA INC 55 Corp Bond US404119BV04	View
	HCA 5875 percent Corp Bond US404119BW86	View
	HCA 5875 percent Corp Bond US404119BS74	View
	H B FULLER Corp Bond US40410KAA34	View

View All HCI Corporate Bonds

Understand HCI's technical and predictive indicators

Using predictive indicators to make investment decisions involves analyzing HCI's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.

	Risk Adjusted Performance	0.0284
	Market Risk Adjusted Performance	0.0792
	Mean Deviation	1.42
	Semi Deviation	1.67
	Downside Deviation	1.77
	Coefficient Of Variation	3575.65
	Standard Deviation	2.22
	Variance	4.91
	Information Ratio	(0.02)
	Jensen Alpha	(0.02)
	Total Risk Alpha	(0.24)
	Sortino Ratio	(0.03)
	Treynor Ratio	0.0692
	Maximum Drawdown	12.02
	Value At Risk	(3.47)
	Potential Upside	2.66
	Downside Variance	3.12
	Semi Variance	2.8
	Expected Short fall	(1.57)
	Skewness	1.82
	Kurtosis	7.3

	Risk Adjusted Performance	0.0284
	Market Risk Adjusted Performance	0.0792
	Mean Deviation	1.42
	Semi Deviation	1.67
	Downside Deviation	1.77
	Coefficient Of Variation	3575.65
	Standard Deviation	2.22
	Variance	4.91
	Information Ratio	(0.02)
	Jensen Alpha	(0.02)
	Total Risk Alpha	(0.24)
	Sortino Ratio	(0.03)
	Treynor Ratio	0.0692
	Maximum Drawdown	12.02
	Value At Risk	(3.47)
	Potential Upside	2.66
	Downside Variance	3.12
	Semi Variance	2.8
	Expected Short fall	(1.57)
	Skewness	1.82
	Kurtosis	7.3

Consider HCI's intraday indicators

HCI intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of HCI stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

	Accumulation Distribution	0.0969
	Daily Balance Of Power	0.0585
	Rate Of Daily Change	1.01
	Day Median Price	147.7
	Day Typical Price	150.21
	Market Facilitation Index	15.04
	Price Action Indicator	7.96
	Period Momentum Indicator	0.88

HCI Corporate Filings

10Q	8th of August 2025 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations	View Verify
8K	7th of August 2025 Report filed with the SEC to announce major events that shareholders should know about	View Verify
F4	23rd of July 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities	View Verify
	16th of June 2025 Other Reports	View Verify

HCI time-series forecasting models is one of many HCI's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary HCI's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

HCI Stock media impact

There is far too much social signal, news, headlines, and media speculation about HCI that are available to investors today. This information is accessible both publicly - through HCI's media outlets and privately, via word of mouth or internal channels. However, regardless of the source, the sheer volume of HCI-related data is difficult to distill into actionable insights, especially for investors who are not well-versed in the rapidly evolving tools and techniques of investment management.

A primary focus of HCI news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of HCI relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to HCI's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive HCI alpha.

HCI Sentiment by Major News Outlets

Investor sentiment, mood or attitude towards HCI can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.

Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.

HCI Group Historical Investor Sentiment

Investor biases related to HCI's public news can be used to forecast risks associated with an investment in HCI. The trend in average sentiment can be used to explain how an investor holding HCI can time the market purely based on public headlines and social activities around HCI Group. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.

HCI's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for HCI and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average HCI news discussions. The higher the estimate score, the more favorable the investor's outlook on HCI.

HCI Maximum Pain Price Across November 21st 2025 Option Contracts

HCI's options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of HCI close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of HCI's options.

HCI Corporate Directors

Wayne Burks	Independent Director	Profile
Loreen Spencer	Independent Director	Profile
James Macchiarola	Independent Director	Profile
Harish Patel	Independent Director	Profile

When determining whether HCI Group offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of HCI's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Hci Group Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Hci Group Stock: