HCI vs HRTG
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. HRTG: A coastal property insurer specializing in homeowners and dwelling coverage in hurricane-prone states, leveraging proprietary analytics and vertical integration to manage catastrophic weather risk.
Side-by-side fundamentals
| Metric | HCI | HRTG | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $175.61 | $26.23 | |
| Market cap as of 2026-07-23 | $2.2B | $819M | |
| P/E as of 2026-07-23 | 7.43 | 4.06 | HRTG lower |
| PEG as of 2026-07-23 | 0.30 | 0.03 | HRTG lower |
| Net margin as of 2026-07-23 | +32.6% | +23.8% | HCI higher |
| Operating margin as of 2026-07-23 | +48.6% | +32.5% | HCI higher |
| ROE as of 2026-07-23 | +32.6% | +43.7% | HRTG higher |
| ROA as of 2026-07-23 | +12.3% | +8.8% | HCI higher |
| Debt / equity as of 2026-07-23 | 0.06 | 0.18 | HCI lower |
| Revenue growth (YoY) as of 2026-07-23 | +21.7% | +1.4% | HCI higher |
| Revenue CAGR (3y) SEC XBRL | +21.7% | +8.6% | HCI higher |
| Dividend yield as of 2026-07-23 | +0.9% | +2.8% | HRTG higher |
| Dividend streak (yrs) SEC XBRL | 4 | 5 | HRTG higher |
| Beta as of 2026-07-23 | 1.01 | 0.94 | |
| 1-year return as of 2026-07-22 close | +22.9% | +23.0% | HRTG 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.