AII vs HCI
AII: A Florida-focused specialty residential property insurer with two decades of expertise navigating hurricane-prone coastal markets and expanding into southeastern states. HCI: 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.
Side-by-side fundamentals
| Metric | AII | HCI | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $17.95 | $174.95 | |
| Market cap as of 2026-07-24 | $355M | $2.2B | |
| P/E as of 2026-07-24 | 4.36 | 7.33 | AII lower |
| PEG as of 2026-07-24 | n/a | 0.30 | |
| Net margin as of 2026-07-24 | +27.6% | +32.6% | HCI higher |
| Operating margin as of 2026-07-24 | +33.6% | +48.6% | HCI higher |
| ROE as of 2026-07-24 | +25.3% | +32.6% | HCI higher |
| ROA as of 2026-07-24 | +6.0% | +12.3% | HCI higher |
| Debt / equity as of 2026-07-24 | 0.00 | 0.06 | AII lower |
| Revenue growth (YoY) as of 2026-07-24 | +26.5% | +21.7% | AII higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +21.7% | |
| Dividend yield as of 2026-07-24 | n/a | +0.9% | |
| Dividend streak (yrs) SEC XBRL | n/a | 4 | |
| Beta as of 2026-07-24 | 0.38 | 1.01 | |
| 1-year return as of 2026-07-23 close | +3.6% | +22.9% | HCI higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.