Stocktoria

HCI Group, Inc. HCI

NYSE · stock · Fire, Marine & Casualty Insurance · website · IPO 2008-09-15 · LEI

HCI Group, Inc. statistics & valuation

Market cap$2.3B
P / E7.7×
P / S2.6×
P / B2.1×
P / FCF5.2×
Dividend yield0.84%
Net margin33.2%
Return on equity26.9%
FCF margin48.9%
Graham number +13.9%$209.11

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($209.11); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
11.00% -2.80% 7.70% 11.00% 8.90% 0.50% -11.70% 14.40% 14.70% 33.20% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
11.90% -3.60% 9.80% 14.30% 13.70% 0.60% -36.00% 24.20% 23.50% 26.90% 2016201720182019202020212022202320242025
Shares outstanding
10.9M 8.8M 8.4M 7.8M 9.7M 10.1M 8.8M 11.0M 12.7M 13.0M 2016201720182019202020212022202320242025
Net debt ($)
-$141.7M -$18.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
4.30% -0.80% 2.10% 3.30% 2.90% 0.20% -3.20% 4.40% 4.90% 11.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
33.10% 5.80% 11.40% 21.10% 22.80% 22.80% -1.30% 40.70% 43.70% 48.90% 2016201720182019202020212022202320242025
Debt / equity (×)
0.57× 1.23× 2016201720182019202020212022202320242025
EPS ($)
$2.92 -$0.75 $2.34 $3.31 $3.49 $0.21 -$6.24 $7.62 $8.89 $22.72 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

HCI Group, Inc. trades at about 8.1× earnings — below its 10-year norm (10-year range 5.6×–323.2×, median 13.7×).

5.6× 323.2×

Shaded band = 10-year range (5.6×–323.2×); dot = today's 8.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin33.2%14.7%14.4%-11.7%0.5%8.9%11.0%7.7%-2.8%11.0%
FCF margin48.9%43.7%40.7%-1.3%22.8%22.8%21.1%11.4%5.8%33.1%
Return on assets11.8%4.9%4.4%-3.2%0.2%2.9%3.3%2.1%-0.8%4.3%
Return on equity26.9%23.5%24.2%-36.0%0.6%13.7%14.3%9.8%-3.6%11.9%
Debt / equity————————1.23×0.57×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.