Stocktoria
HCI Group, Inc. HCI
HCI Group, Inc. (HCI) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 0.84% (safety: safe). FY2025 revenue was $900.9M at a 33.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2025-11-13 | Oppenheimer | Perform (down) |
| 2025-11-10 | Citizens | Market Outperform (main) |
| 2025-11-07 | Truist Securities | Buy (main) |
| 2025-05-30 | Compass Point | Buy (up) |
| 2025-05-19 | JMP Securities | Market Outperform (main) |
| 2025-05-09 | JMP Securities | Market Outperform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| HCI | HCI Group, Inc. | 5/9 | — | 7.7 | +20.1% |
| PLMR | Palomar Holdings, Inc. | 5/9 | — | 17 | +58.2% |
| EIG | Employers Holdings, Inc. | 5/9 | — | 85.7 | -2.5% |
| HRTG | Heritage Insurance Holdings, Inc. | 5/9 | — | 4 | +3.7% |
| DGICA | DONEGAL GROUP INC | 3/9 | — | 9.2 | -1.2% |
| LMND | Lemonade, Inc. | 3/9 | — | — | +40.2% |
| GLRE | GREENLIGHT CAPITAL RE, LTD. | 6/9 | — | 7.4 | +4.8% |
All Finance, Insurance & Real Estate companies →
About HCI Group, Inc.
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments. It provides homeowners' property and casualty insurance products; claim adjusting and processing services; turnkey insurance technology and operations solutions to property and casualty insurance carriers and its agents through the Exzeo platform; and SAMSTM, a web-based system designed to automate and streamline the process of managing insurance policies. The company also offers Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; AtlasViewer, a mapping and data visualization platform. In addition, it is involved in reciprocal exchange operations; and developing and operating commercial properties for investment purposes. The company was formerly known as Homeowners Choice, Inc. and changed its name to HCI Group, Inc. in May 2013. HCI Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.
FAQ
Is HCI financially healthy?
HCI Group, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does HCI pay a dividend, and is it safe?
Yes. HCI Group, Inc. pays a dividend yielding about 0.84% with a 6.5% payout ratio, rated “safe” for safety.
How profitable is HCI?
In FY2025, HCI Group, Inc. had a net margin of 33.2% and a return on equity of 26.9%.
Is HCI overvalued or undervalued?
HCI Group, Inc. trades at about 8.1× trailing earnings — below its 10-year norm (10-year range 5.6×–323.2×, median 13.7×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for HCI?
The average Wall-Street price target for HCI Group, Inc. is $245.00, about 33.4% above the recent price, from 2 analysts (consensus: buy).
Is HCI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on HCI Group, Inc.: a Piotroski F-score of 5/9, a P/E of about 7.7×, a dividend yield of 0.84%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.