ALL vs HCI
ALL: A diversified property and casualty insurance company generating steady premium revenue and investment income through auto, home, and commercial insurance products. 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 | ALL | HCI | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $251.83 | $175.61 | |
| Market cap as of 2026-07-23 | $64.6B | $2.2B | |
| P/E as of 2026-07-23 | 5.32 | 7.43 | ALL lower |
| PEG as of 2026-07-23 | -0.68 | 0.30 | ALL lower |
| Net margin as of 2026-07-23 | +17.8% | +32.6% | HCI higher |
| Operating margin as of 2026-07-23 | +22.8% | +48.6% | HCI higher |
| ROE as of 2026-07-23 | +42.7% | +32.6% | ALL higher |
| ROA as of 2026-07-23 | +10.1% | +12.3% | HCI higher |
| Debt / equity as of 2026-07-23 | 0.24 | 0.06 | HCI lower |
| Revenue growth (YoY) as of 2026-07-23 | +4.4% | +21.7% | HCI higher |
| Revenue CAGR (3y) SEC XBRL | +9.6% | +21.7% | HCI higher |
| Dividend yield as of 2026-07-23 | +1.7% | +0.9% | ALL higher |
| Dividend streak (yrs) SEC XBRL | 5 | 4 | ALL higher |
| Beta as of 2026-07-23 | 0.16 | 1.01 | |
| 1-year return as of 2026-07-22 close | +27.6% | +22.9% | ALL higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
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.