HCI GROUP INC (HCI)
Financials · Property & Casualty Insurance · NYSE
A diversified holding company with a core focus on property and casualty insurance and real estate services.
What HCI GROUP INC does
HCI Group is a holding company with diversified operations primarily in property and casualty insurance, reinsurance, and real estate services. Through its subsidiaries, the company provides homeowners' insurance, manages investment portfolios, and engages in real estate development and asset management.
Themes: property and casualty insurance, reinsurance, real estate services, catastrophe insurance
Fundamentals
- Price$192.35 as of 2026-10-08 close
- Market cap$2.4B as of 2026-08-03 (share count; price 2026-10-08)
- 1-year return-1.2% 2025-10-08 close $194.72 → 2026-10-08 close $192.35
- P/E8.20 as of 2026-10-08
- Net margin+33.2% FY2025, SEC XBRL
- ROE+28.7% FY2025, SEC XBRL
- Debt / equity0.06 as of 2026-09-03
- Revenue growth (YoY)+21.7% as of 2026-09-03
- Revenue CAGR (3y)+21.7% SEC XBRL
- Beta0.31 as of 2026-09-03
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +0.9%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How HCI compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-10-08
- net profit margintop 25% 344 covered Financials peers, as of 2026-09-03
- return on equitytop 10% 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- indicated dividend yieldbottom 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)top 25% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
HCI is in the Top 10 — Financials.
Top 10 — Financials — since 18 Aug 2026
Top 10 score
75.9 #10 of 1,379 scored · #4 of 220 in Financials
Financial health 90th (free cash flow margin 48.9%, debt to equity 0.1) and profitability 85th (return on equity 28.7%); weakest is capital return (41st, net share count bought back over the year -1.5, consecutive years of dividend increases 4 years).
In this list since 18 Aug 2026 — currently 4th in the list (51 days)
- Entered 18 Aug 2026: first selection for this list at rank 5, score 75.5.
- Held its place at 2 rebalances between 1 Sep 2026 and 1 Oct 2026.
Never in this list — passed over at the rebalances below
- Not selected 18 Aug 2026 despite rank 6: Financials already holds 4 of 10 (sector cap).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, HCI's dividend was covered by reported results (earnings payout 6%, free-cash-flow payout 4%). This describes past coverage, not a forecast.
- Earnings payout6% dividends / net income
- Free-cash-flow payout4% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How HCI GROUP INC looks technically
HCI GROUP INC (HCI) is trading 13.3% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 46 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend), though buyers have been pushing harder than sellers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 65, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2025-12-29, pushing above its recent trading range.
Trend
8
| Distance from the 200-day | it is trading 13.3% above its 200-day average, the long-term trend line — a longer-term uptrend | +13.3% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $183.70 | $183.70 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $169.83 | $169.83 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 173.09. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 46 trading days ago — a "golden cross", a bullish long-term signal | 46 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend), though buyers have been pushing harder than sellers lately — pressure, not a trend | 19.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 65, neither overbought (above 70) nor oversold (below 30) | 64.9 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($173.09 to $193.63) — its "stochastic" reading is 94 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 93.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive) | 4 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $210.50 | $210.50 |
|---|---|---|
| From the 52-week high | it is 8.6% below its 52-week high (its highest price of the past year) | -8.6% |
| Above the 52-week low | it is 32.8% above its 52-week low (its lowest price of the past year) | +32.8% |
| Below the 52-week high | it is 8.6% below its highest point of the past year | 8.6% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2025-12-29, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day high, its first since 2025-12-29, pushing above its recent trading range | 1 session |
| All-time high | its highest closing price on record is $210.50 (set on 2025-10-24) | $210.50 |
| Given back of the 52-week move | over the past year its closes ranged ($148.98 to $206.40), and it has recovered well over two thirds of its fall from last year’s high — 76% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $184.47 to $186.30. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 75.5% |
| From the all-time high | it is 8.6% below its all-time high | -8.6% |
| Nearest price level | it is trading 2.9% below a resistance level at $197.92 — a price it turned at twice since 2025-12-23, most recently on 2026-08-07. Since 2024-10-08 it has 13 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +2.9% |
| All-time low | its lowest closing price on record is $4.10 (set on 2008-10-10) | $4.10 |
| Above the all-time low | it is 4591.3% above its all-time low | +4,591% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 83% of the past ~6 months) | 83rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $4.72 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $4.72 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $172.17 and $193.34 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $172.17 – $182.75 – $193.34 |
| Typical daily range (% of price) | its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.5% |
| Stretch from the 200-day average | it is trading 4.8 daily ranges above its 200-day average price (13.3% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.93× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
4
| Since a doji | 7 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 7 sessions ago |
|---|---|---|
| Since a hammer | 7 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 7 sessions ago |
| Since a bullish engulfing | 1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 1 session ago |
| Since a bearish engulfing | 9 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 9 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.4% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.4% |
|---|---|---|
| Gap filled | a 2.4% gap up opened on 2026-09-10 has been "filled" 19 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 19 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +4.29% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 2.3 percentage points (the stock gained 3.4% while the market gained 1.0%) | +2.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 3.5 percentage points (the stock gained 7.3% while the market gained 3.8%) | +3.5% |
| vs market, 6 months | over the past 6 months this stock beat the market by 7.5 percentage points (the stock gained 24.9% while the market gained 17.5%) | +7.5% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 16.2 percentage points (the stock lost 1.2% while the market gained 15.0%) | -16.2% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 3.2% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.9% of the share price. | +3.2% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 14% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $169.06 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +13.8% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% above the average price paid since it last reported on 2026-08-06 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $184.29 — a volume-weighted average of daily closes over 45 sessions, not a true tick-by-tick VWAP. | +4.4% |
Price levels it has turned at before
HCI last closed at $192.35 on 2026-10-08. Since 2024-10-08 it has turned at 13 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $197.92 | Resistance | 2.9% above the last close | turned there twice · 2025-12-23 to 2026-08-07 |
| $182.22 | Support | 5.3% below the last close | turned there 8 times · 2025-10-13 to 2026-09-11 |
| $175.68 | Support | 8.7% below the last close | turned there four times · 2025-05-09 to 2026-07-31 |
| $209.65 | Resistance | 9.0% above the last close | turned there twice · 2025-10-24 to 2025-11-03 |
| $171.97 | Support | 10.6% below the last close | turned there six times · 2025-06-02 to 2026-09-30 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $173.09.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 2 trading days, since 2026-10-07.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke out to a new 20-day high · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) · beating the market · At the top of its 14-day range (stochastic above 80) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.60 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$241.67 range $225.00 – $265.00; median $235.00
Analyst estimates, as of 2026-10-09. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for HCI
- Consensus EPS estimate$3.20 next reporting period, as of 2026-10-09
- Estimate change, 30 days+$0.356 (+12.5%) from $2.85, on 2026-09-04, 35-day window
- Readings revised upward13% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to catastrophic weather events and natural disasters in Florida.","Dependency on the availability and affordability of reinsurance markets.","Fluctuations in the fair value of fixed-maturity and equity investment portfolios."]
What changed in the latest 10-Q
AI-assisted comparison of HCI's 10-Q filed 2026-08-07 against the prior one filed 2026-05-07.
Management's Discussion & Analysis (MD&A)
- Reworded:
- In the newer filing (2026-08-07), the sentence describing insurance products now states properties are located "in the Florida" whereas the older filing (2026-05-07) stated "in the State of Florida."
- In the newer filing (2026-08-07), the Exzeo description changed from "data analytics applications that are specifically designed" to "data analytics applications specifically designed."
- In the newer filing (2026-08-07), the real estate description changed from "a commercial real estate group that is primarily engaged in the business of developing and operating commercial properties for investment purposes or for our own use" to "a commercial real estate group primarily engaged in developing and operating commercial properties for investment purposes or our own use."
- In the newer filing (2026-08-07), the HCI Group ownership percentage of Exzeo changed from approximately 82.5% as of March 31, 2026 to approximately 83.1% as of June 30, 2026.
- In the newer filing (2026-08-07), the reciprocal exchange description changed from "consolidated reciprocal insurance exchanges that are owned by their policyholders" to "consolidated reciprocal insurance exchanges owned by their policyholders."
- In the newer filing (2026-08-07), the Real Estate segment description changed from "commercial real estate group that is primarily engaged in the business of developing and operating commercial properties for investment purposes or for our own use" to "commercial real estate group primarily engaged in developing and operating commercial properties for investment purposes or our own use."
- Notes:
- The newer filing text appears truncated at "maintain a strong balance sheet s" and the older filing text appears truncated at "maintain a strong balance sheet s," so changes after that point in the FACTORS AFFECTING OPERATING RESULTS section could not be compared.
- Page number in the newer filing is listed as 47 while the older filing lists page 40, which may reflect document layout differences.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for HCI — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding HCI as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,521,295
- Reported value $441,856,894
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about HCI's institutional holders → See what each manager we track holds →
Short interest (FINRA)
HCI had 574,521 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
HCI had 4.62% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.72 days to cover at the same settlement.
- Reported short interest (shares) 574,521
- Short interest (% of shares outstanding) 4.62%
- Prior settlement (shares) 550,791
- Reported change 4.31%
- Days to cover (reported) 3.72
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Progressive (PGR)
- Allstate (ALL)
- The Travelers Companies (TRV)
- Heritage Insurance Holdings (HRTG)
- Universal Insurance Holdings (UVE)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare HCI vs…
HCI GROUP INC is found in…
Frequently asked questions
What does HCI GROUP INC (HCI) do?
HCI Group is a holding company with diversified operations primarily in property and casualty insurance, reinsurance, and real estate services. Through its subsidiaries, the company provides homeowners' insurance, manages investment portfolios, and engages in real estate development and asset management.
What sector is HCI GROUP INC (HCI) in?
HCI GROUP INC (HCI) is classified in the Financials sector. Its industry is Property & Casualty Insurance. It trades on NYSE.
Does HCI pay a dividend?
Yes — HCI GROUP INC (HCI) pays a dividend, with an indicated yield of about 0.85% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are HCI GROUP INC's (HCI) competitors?
Notable peers of HCI GROUP INC (HCI) include Progressive, Allstate, The Travelers Companies, Heritage Insurance Holdings and Universal Insurance Holdings. This peer set is informational only — not financial advice.
Is HCI GROUP INC (HCI) overbought or oversold right now?
HCI GROUP INC (HCI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 65, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on HCI come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.