HCI GROUP INC (HCI)
Financials · Regional property and casualty insurance, homeowners insurance · NYSE
A Florida-focused property and casualty insurer that leverages proprietary insurance technology (Exzeo) to drive underwriting discipline and operational efficiency while growing through reciprocal exchange platforms.
What HCI GROUP INC does
HCI Group is a property and casualty insurance company primarily focused on homeowners' insurance in Florida and other southeastern and northeastern U.S. states. Through its majority-owned subsidiary Exzeo, the company develops proprietary software and data analytics platforms for underwriting, claims processing, and operational efficiency in the insurance ecosystem. The company also operates consolidated reciprocal insurance exchanges and a commercial real estate investment division.
Themes: ["homeowners insurance / residential property insurance","Florida insurance market","insurance technology platform","claims processing automation","reciprocal insurance exchanges","underwriting analytics"]
Fundamentals
- Price$180.78 as of 2026-07-09 close
- Market cap$2.3B as of 2026-07-10
- 1-year return+29.1% as of 2026-07-09 close
- P/E7.62 as of 2026-07-10
- Net margin+32.6% as of 2026-07-10
- ROE+32.6% as of 2026-07-10
- Debt / equity0.06 as of 2026-07-10
- Revenue growth (YoY)+21.7% as of 2026-07-10
- Revenue CAGR (3y)+21.7% SEC XBRL
- Beta1.01 as of 2026-07-10
Dividend: yield +0.9%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Concentration in Florida property and casualty insurance, which is exposed to hurricanes and catastrophic weather events that could result in significant losses and insurance claims","Regulatory changes in insurance rates, policies, and capital requirements across multiple states could impact profitability and operations","Competition from larger, established insurance carriers and technology-driven insurtech companies in the property and casualty insurance market"]
Competitors & peers
- Universal Insurance Holdings (UVE)
- Heritage Insurance Holdings (HRTG)
- FedNat Holding Company
- United Insurance Holdings (UIHC)
- Heritage Insurance Company
- State Farm
- Allstate (ALL)
- Homeowners Choice (HCI) peers in regional insurance
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.