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	OK	Details
Volatility	Very steady	Details
Hype Condition	Over hyped	Details
Current Valuation	Overvalued	Details
Odds Of Distress	Low	Details
Economic Sensitivity	Responds to the market	Details
Investor Sentiment	Impartial	Details
Analyst Consensus	Strong Buy	Details
Financial Strenth (F Score)	Healthy	Details
Financial Leverage	Not Rated	Details
Reporting Quality (M-Score)	Possible 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 22.0% 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 13.03. The entity last dividend was issued on the 15th of November 2024.

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 had very high historical volatility over the last 90 days
	HCI Group has 209.9 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.
	Over 79.0% of HCI shares are owned by institutional investors
	On 20th of September 2024 HCI paid $ 0.4 per share dividend to its current shareholders
	Latest headline from zacks.com: American Coastal Insurance Surpasses Q3 Earnings Estimates

HCI Quarterly Liabilities And Stockholders Equity

1.48 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

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
American Century Companies Inc	2024-06-30	110.3 K
Alyeska Investment Group, L.p.	2024-06-30	110 K
Marshall Wace Asset Management Ltd	2024-06-30	101.2 K
Millennium Management Llc	2024-06-30	97.2 K
Two Sigma Investments Llc	2024-06-30	95 K
Wellington Management Company Llp	2024-06-30	92.7 K
Renaissance Technologies Corp	2024-06-30	92.4 K
Essex Investment Management Company, Llc	2024-09-30	88.6 K
Bernzott Capital Advisors	2024-09-30	84.4 K
Blackrock Inc	2024-06-30	1.2 M
Hood River Capital Management Llc	2024-06-30	767.5 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 1.23 B.

Market Cap

169.67 Million

HCI's profitablity analysis

	Last Reported	Projected for Next Year
Return On Tangible Assets	0.06	0.06
Return On Capital Employed	0.44	0.46
Return On Assets	0.06	0.06
Return On Equity	0.24	0.17

The company has Net Profit Margin of 0.22 %, 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 0.0824 % which means that on every $100 spent on assets, it made $0.0824 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.4625 %, implying that it generated $0.4625 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. The HCI's current Return On Capital Employed is estimated to increase to 0.46, while Return On Tangible Assets are projected to decrease to 0.06. As of now, HCI's Debt To Assets are decreasing as compared to previous years. The HCI's current Asset Turnover is estimated to increase to 0.42, while Total Assets are projected to decrease to under 683.6 M.

	Last Reported	Projected for Next Year
Book Value Per Share	50.59	53.12
Tangible Book Value Per Share	49.68	52.16
Enterprise Value Over EBITDA	0.85	0.89
Price Book Value Ratio	2.25	2.36
Enterprise Value Multiple	0.85	0.89
Price Fair Value	2.25	2.36
Enterprise Value	293.9 M	225.7 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

0.0139

Forward Dividend Yield

0.0139

Forward Dividend Rate

1.6

Beta

1.121

Basic technical analysis of HCI Stock

As of the 7th of November, HCI retains the downside deviation of 4.09, and Semi Deviation of 3.57. 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.

		Watts Susan few days ago Acquisition by Watts Susan of 420 shares of HCI at 58.9066 subject to Rule 16b-3
		Andrew Graham over a month ago Disposition of 800 shares by Andrew Graham of HCI at 116.42 subject to Rule 16b-3
		James Harmsworth over two months ago Disposition of 213 shares by James Harmsworth of HCI at 64.61 subject to Rule 16b-3
		Andrew Graham over three months ago Disposition of 214 shares by Andrew Graham of HCI at 102.33 subject to Rule 16b-3
		Andrew Graham over six months 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
	US404119BQ19 Corp Bond US404119BQ19	View
	HCA 5375 percent Corp Bond US404119BR91	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	0.1284
	Market Risk Adjusted Performance	0.4007
	Mean Deviation	2.07
	Semi Deviation	3.57
	Downside Deviation	4.09
	Coefficient Of Variation	652.41
	Standard Deviation	3.35
	Variance	11.23
	Information Ratio	0.1006
	Jensen Alpha	0.2888
	Total Risk Alpha	(0.21)
	Sortino Ratio	0.0823
	Treynor Ratio	0.3907
	Maximum Drawdown	22.07
	Value At Risk	(3.38)
	Potential Upside	4.52
	Downside Variance	16.76
	Semi Variance	12.78
	Expected Short fall	(2.15)
	Skewness	(1.70)
	Kurtosis	12.95

	Risk Adjusted Performance	0.1284
	Market Risk Adjusted Performance	0.4007
	Mean Deviation	2.07
	Semi Deviation	3.57
	Downside Deviation	4.09
	Coefficient Of Variation	652.41
	Standard Deviation	3.35
	Variance	11.23
	Information Ratio	0.1006
	Jensen Alpha	0.2888
	Total Risk Alpha	(0.21)
	Sortino Ratio	0.0823
	Treynor Ratio	0.3907
	Maximum Drawdown	22.07
	Value At Risk	(3.38)
	Potential Upside	4.52
	Downside Variance	16.76
	Semi Variance	12.78
	Expected Short fall	(2.15)
	Skewness	(1.70)
	Kurtosis	12.95

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	8030.77
	Daily Balance Of Power	0.2462
	Rate Of Daily Change	1.01
	Day Median Price	118.97
	Day Typical Price	118.31
	Price Action Indicator	(1.15)
	Period Momentum Indicator	1.64
	Relative Strength Index	23.44

HCI Corporate Filings

13A	4th of November 2024 An amended filing to the original Schedule 13G	View Verify
8K	28th of August 2024 Report filed with the SEC to announce major events that shareholders should know about	View Verify
10Q	9th of August 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations	View Verify
	1st of August 2024 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

Far too much social signal, news, headlines, and media speculation about HCI that are available to investors today. That information is available publicly through HCI media outlets and privately through word of mouth or via HCI internal channels. However, regardless of the origin, that massive amount of HCI data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.

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 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: