HCI
Financial ServicesHCI Group, Inc. · Insurance - Property & Casualty · $2B
What is HCI Group, Inc.?
HCI Group is a Florida-focused holding company operating across property and casualty insurance, reinsurance, real estate, and insurance technology. Headquartered in Tampa, it primarily serves homeowners, condo owners, and tenants across the state.
HCI Group generates revenue primarily through residential insurance products — including homeowners, flood, fire, and wind-only policies — sold to Florida property owners. Its reinsurance arm helps manage catastrophe exposure. Beyond insurance, the company owns and operates waterfront properties, retail shopping centers, and commercial real estate for investment income. A technology division develops web-based and mobile platforms that support policy administration and claims management, adding a recurring software dimension to the business model.
HCI Group was incorporated in 2006 and is headquartered in Tampa, Florida.
- Homeowners, flood, fire, and wind-only insurance policies
- Reinsurance programs for catastrophe risk management
- Commercial and waterfront real estate investments
- SAMS and Harmony policy administration platforms
- ClaimColony end-to-end claims management platform
Is HCI a Good Stock to Buy?
UQS Score rates HCI as Very Good overall, reflecting a balanced profile with standout strengths in quality and risk management.
HCI's Quality and Risk pillars both score at the Strong level, suggesting the business generates reliable results while managing its exposure to Florida's notoriously volatile insurance market better than many peers. The Valuation pillar is rated Attractive, meaning the stock does not appear stretched relative to its fundamentals.
The Moat pillar is rated Weak, which reflects the competitive and commoditized nature of regional property insurance — HCI lacks the durable pricing power seen in larger, more diversified carriers. Growth is rated Neutral, pointing to a measured rather than rapid expansion trajectory.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does HCI pay dividends?
Yes — HCI Group, Inc. pays a dividend.
HCI Group pays a regular dividend, which is relatively uncommon among smaller regional insurers. The dividend reflects the company's confidence in its cash generation and capital position. For income-oriented investors, this cadence adds a return component beyond price appreciation. Investors should verify the current yield and payout schedule directly on HCI's investor relations page, as rates can change.
When does HCI report earnings?
HCI Group reports earnings on a quarterly cadence, consistent with standard practice for US-listed equities.
HCI's results tend to be sensitive to Florida weather events and reinsurance costs, making quarter-to-quarter comparisons meaningful context for any earnings review. The company's diversified revenue streams — insurance premiums, real estate income, and technology fees — can help offset volatility in any single segment.
For the most recent quarter's results and guidance, visit HCI Group's investor relations page directly.
HCI Price History
+107.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in HCI Group, Inc.?
Based on HCI Group, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
HCI Long-term Outlook
HCI's Growth pillar is rated Neutral, suggesting the company is expanding at a measured pace rather than aggressively scaling. The Strong Risk rating indicates the business is managing its Florida-concentrated exposure with discipline, which matters in a state prone to hurricane and flood events. The Attractive Valuation label suggests the market may not be fully pricing in the quality of the underlying business. Sustained profitability in Florida's challenging insurance environment remains the central question for the long-term outlook.
Growth drivers
- Expansion of technology platforms into new insurance clients beyond HCI's own policies
- Real estate portfolio generating stable investment income alongside insurance operations
- Disciplined underwriting in a Florida market where weaker competitors have exited
Key risks
- Concentrated exposure to Florida catastrophe risk, including hurricanes and flooding
- Reinsurance cost inflation that can compress underwriting margins in hard market cycles
- Weak Moat rating reflects limited pricing power in a competitive regional insurance market
HCI vs Peers
HCI Group operates in a competitive regional insurance and financial services landscape alongside several publicly traded peers.
Stewart focuses on title insurance and real estate services nationally, giving it broader geographic diversification than HCI's Florida-centric model.
Skyward targets specialty and excess-and-surplus lines insurance across the US, operating in more niche commercial segments than HCI's residential focus.
Kemper is a larger, more diversified insurer with national reach across auto and home lines, contrasting with HCI's concentrated Florida residential strategy.
Frequently Asked Questions
What does HCI Group do?
HCI Group is a Tampa-based holding company that provides residential property and casualty insurance — including homeowners, flood, and wind-only policies — primarily in Florida. It also operates commercial real estate properties and develops insurance technology platforms for policy administration and claims management.
Does HCI pay dividends?
Yes, HCI Group pays a regular dividend. This is relatively uncommon among smaller regional insurers and reflects the company's focus on returning capital to shareholders. Investors should check HCI's investor relations page for the current dividend rate and payment schedule.
When does HCI report earnings?
HCI Group reports financial results on a quarterly cadence, as is standard for US-listed companies. The exact dates for upcoming earnings releases are available on HCI's investor relations page and major financial calendars.
Is HCI a good stock to buy?
UQS Score rates HCI as Very Good overall, with Strong marks in Quality and Risk and an Attractive Valuation label. However, the Moat pillar is rated Weak, reflecting limited competitive insulation in Florida's regional insurance market. Whether it suits your portfolio depends on your risk tolerance and investment goals — view the full breakdown with a Pro account.
Is HCI overvalued?
The UQS Valuation pillar for HCI is rated Attractive, suggesting the stock is not trading at an excessive premium relative to its fundamentals. That said, valuation is one of five pillars — investors should consider the full picture, including the Weak Moat rating, before drawing conclusions.
How does HCI compare to its competitors?
Compared to peers like Kemper and Skyward Specialty, HCI is more narrowly focused on Florida residential insurance, which creates both concentration risk and deep local expertise. Its technology division and real estate holdings add revenue diversification that pure-play regional insurers typically lack.
What is HCI's market cap bracket?
HCI Group is classified as a mid-cap company. This places it in a range where institutional coverage exists but the stock may receive less analyst attention than large-cap insurers, potentially creating opportunities for investors who do their own research.
Who founded HCI Group?
HCI Group was incorporated in 2006 under the name Homeowners Choice, Inc. before rebranding in 2013. Founding details and leadership history are publicly available through the company's official filings and investor relations materials.
Is HCI a long-term quality investment?
As a long-term quality indicator, HCI's Strong Quality and Risk pillar ratings suggest the business has managed its Florida insurance exposure with discipline over time. The Weak Moat rating is a consideration for long-horizon investors, as durable competitive advantages tend to matter more over extended holding periods.
What is the main competitive advantage of HCI Group?
HCI's edge lies in its operational discipline within Florida's difficult insurance market, where many competitors have reduced exposure or exited entirely. Its proprietary technology platforms — including ClaimColony and Harmony — also create some internal efficiency advantages, though the overall Moat pillar is rated Weak.
What sector does HCI belong to?
HCI Group operates in the Financial Services sector, specifically within property and casualty insurance. Its real estate and technology segments add secondary revenue streams, but insurance underwriting and premiums remain the core of the business.
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Pro Analysis
HCI — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 15, 2026 | 72.6 | 100.0 | 31.0 | 49.3 | 100.0 | 100.0 | +2.6 |
| May 11, 2026 | 70.0 | 100.0 | 31.0 | 49.3 | 100.0 | 100.0 | -3.9 |
| May 7, 2026 | 73.9 | 100.0 | 31.0 | 55.7 | 100.0 | 100.0 | +3.9 |
| May 3, 2026 | 70.0 | 100.0 | 31.0 | 55.7 | 100.0 | 100.0 | -3.9 |
| Apr 2, 2026 | 73.9 | 100.0 | 31.0 | 55.7 | 100.0 | 100.0 | — |
HCI — Pillar Breakdown
Quality
— 100.0/100 (25%)HCI Group, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 49.3/100 (20%)HCI Group, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 100.0/100 (15%)HCI Group, Inc. carries minimal financial risk with conservative leverage and strong solvency.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)HCI Group, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 31/100 (25%)HCI Group, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HCI.
Score Composition
Financial Data
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How is the HCI UQS Score Calculated?
The UQS (Unified Quality Score) for HCI Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses HCI Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether HCI Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.