HCI | Ticker Profile - Titan Protect

HCI

HCI Group, Inc.

Financial Services · Insurance - Property & Casualty · NYQ

$156.98

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$2.0B

Total market value of the company

Trailing P/E

6.82

Very cheap relative to earnings

Forward P/E

8.79

Based on estimated future earnings — lower means cheaper

Rev Growth

+12.2%

Year-over-year revenue change

Profit Margin

32.6%

How much profit the company keeps from each dollar of revenue

ROE

38.5%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$245.00

+56% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 2 analysts covering this stock

About HCI Group, Inc.

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.

https://www.hcigroup.com

Country: United States Employees: 594 Industry: Insurance - Property & Casualty

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.854

Good returns relative to risk taken

Kelly Fraction

0.0729

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

0.988

Acceptable balance between returns and drawdown risk

Annual Return

27.1%

Historical annualised return based on price data

Max Drawdown

-27.5%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

200

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.09

Moves slightly more than the broader market

52W High

$210.50

25% below the year high

52W Low

$136.37

15% above the year low

Avg Volume

178,278

Average daily shares traded — higher means easier to buy and sell

Short Ratio

1.6

Days it would take all short sellers to cover — higher means more crowded

Short % Float

3.0%

Low short interest — limited bearish positioning

Div Yield

103.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$22.83

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

5.75

Heavy leverage — higher financial risk if revenues decline

Current Ratio

1.00

Adequate but worth monitoring

Quick Ratio

0.79

Like current ratio but excludes inventory — stricter test

Gross Margin

59.6%

Revenue left after cost of goods — higher means pricing power

Operating Margin

47.9%

Profit from core operations before interest and tax

Free Cash Flow

$450M

Positive — the business generates more cash than it spends

Revenue (TTM)

$927M

Total revenue over the last 12 months

Net Income

$291M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$255.00

Target Median

$245.00

Target Low

$235.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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