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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 8/10

vs
industry
vs
history
Cash to Debt 2.36
HCI's Cash to Debt is ranked higher than
77% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. HCI: 2.36 )
HCI' s 10-Year Cash to Debt Range
Min: 2.31   Max: No Debt
Current: 2.36

Equity to Asset 0.30
HCI's Equity to Asset is ranked higher than
79% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. HCI: 0.30 )
HCI' s 10-Year Equity to Asset Range
Min: 0.27   Max: 0.42
Current: 0.3

0.27
0.42
Interest Coverage 29.51
HCI's Interest Coverage is ranked higher than
73% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 vs. HCI: 29.51 )
HCI' s 10-Year Interest Coverage Range
Min: 29.51   Max: 9999.99
Current: 29.51

29.51
9999.99
F-Score: 3
Z-Score: 2.15
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 38.52
HCI's Operating margin (%) is ranked higher than
97% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. HCI: 38.52 )
HCI' s 10-Year Operating margin (%) Range
Min: 12.51   Max: 44.16
Current: 38.52

12.51
44.16
Net-margin (%) 23.88
HCI's Net-margin (%) is ranked higher than
96% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. HCI: 23.88 )
HCI' s 10-Year Net-margin (%) Range
Min: 7.9   Max: 27.19
Current: 23.88

7.9
27.19
ROE (%) 37.39
HCI's ROE (%) is ranked higher than
99% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. HCI: 37.39 )
HCI' s 10-Year ROE (%) Range
Min: 11.79   Max: 48.93
Current: 37.39

11.79
48.93
ROA (%) 11.62
HCI's ROA (%) is ranked higher than
98% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. HCI: 11.62 )
HCI' s 10-Year ROA (%) Range
Min: 3.89   Max: 15.17
Current: 11.62

3.89
15.17
ROC (Joel Greenblatt) (%) 797.82
HCI's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 170 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 288.43 vs. HCI: 797.82 )
HCI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 179.74   Max: 15576.78
Current: 797.82

179.74
15576.78
Revenue Growth (3Y)(%) 25.00
HCI's Revenue Growth (3Y)(%) is ranked higher than
96% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. HCI: 25.00 )
HCI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 20.5   Max: 71
Current: 25

20.5
71
EBITDA Growth (3Y)(%) 92.20
HCI's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. HCI: 92.20 )
HCI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -6.9   Max: 92.2
Current: 92.2

-6.9
92.2
EPS Growth (3Y)(%) 88.50
HCI's EPS Growth (3Y)(%) is ranked higher than
99% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. HCI: 88.50 )
HCI' s 10-Year EPS Growth (3Y)(%) Range
Min: -10.5   Max: 88.5
Current: 88.5

-10.5
88.5
» HCI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

HCI Guru Trades in Q4 2013

Chuck Royce 13,800 sh (+94.37%)
Jim Simons Sold Out
» More
Q1 2014

HCI Guru Trades in Q1 2014

Steven Cohen 11,551 sh (New)
Paul Tudor Jones 18,300 sh (New)
Chuck Royce 13,800 sh (unchged)
» More
Q2 2014

HCI Guru Trades in Q2 2014

Jim Simons 38,196 sh (New)
Chuck Royce 20,300 sh (+47.1%)
Paul Tudor Jones 5,011 sh (-72.62%)
» More
Q3 2014

HCI Guru Trades in Q3 2014

Jim Simons 62,000 sh (+62.32%)
Chuck Royce 27,200 sh (+33.99%)
Paul Tudor Jones Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with HCI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of HCI Group Inc

SymbolPriceYieldDescription
HCIIP10.106.40

Ratios

vs
industry
vs
history
P/E(ttm) 8.50
HCI's P/E(ttm) is ranked higher than
93% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. HCI: 8.50 )
HCI' s 10-Year P/E(ttm) Range
Min: 2.1   Max: 12.6
Current: 8.5

2.1
12.6
P/B 2.87
HCI's P/B is ranked higher than
57% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.33 vs. HCI: 2.87 )
HCI' s 10-Year P/B Range
Min: 0.65   Max: 3.58
Current: 2.87

0.65
3.58
P/S 2.01
HCI's P/S is ranked higher than
61% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. HCI: 2.01 )
HCI' s 10-Year P/S Range
Min: 0.51   Max: 2.42
Current: 2.01

0.51
2.42
PFCF 7.56
HCI's PFCF is ranked higher than
83% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.10 vs. HCI: 7.56 )
HCI' s 10-Year PFCF Range
Min: 0.59   Max: 30.73
Current: 7.56

0.59
30.73
EV-to-EBIT 3.18
HCI's EV-to-EBIT is ranked higher than
99% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.77 vs. HCI: 3.18 )
HCI' s 10-Year EV-to-EBIT Range
Min: -7.7   Max: 4
Current: 3.18

-7.7
4
PEG 0.17
HCI's PEG is ranked higher than
100% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. HCI: 0.17 )
HCI' s 10-Year PEG Range
Min: 0.09   Max: 1.13
Current: 0.17

0.09
1.13
Shiller P/E 15.48
HCI's Shiller P/E is ranked higher than
87% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.87 vs. HCI: 15.48 )
HCI' s 10-Year Shiller P/E Range
Min: 12.49   Max: 21.1
Current: 15.48

12.49
21.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.39
HCI's Dividend Yield is ranked higher than
51% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.55 vs. HCI: 2.39 )
HCI' s 10-Year Dividend Yield Range
Min: 1.18   Max: 6.38
Current: 2.39

1.18
6.38
Dividend Payout 0.20
HCI's Dividend Payout is ranked higher than
91% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. HCI: 0.20 )
HCI' s 10-Year Dividend Payout Range
Min: 0.12   Max: 0.83
Current: 0.2

0.12
0.83
Dividend growth (3y) 111.80
HCI's Dividend growth (3y) is ranked higher than
99% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.30 vs. HCI: 111.80 )
HCI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 111.8
Current: 111.8

0
111.8
Yield on cost (5-Year) 2.40
HCI's Yield on cost (5-Year) is ranked lower than
61% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. HCI: 2.40 )
HCI' s 10-Year Yield on cost (5-Year) Range
Min: 1.18   Max: 6.38
Current: 2.4

1.18
6.38
Share Buyback Rate -21.60
HCI's Share Buyback Rate is ranked higher than
56% of the 169 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. HCI: -21.60 )
HCI' s 10-Year Share Buyback Rate Range
Min: -0.3   Max: -21.6
Current: -21.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.87
HCI's Price/Tangible Book is ranked higher than
60% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 vs. HCI: 2.87 )
HCI' s 10-Year Price/Tangible Book Range
Min: 0.67   Max: 3.65
Current: 2.87

0.67
3.65
Price/DCF (Projected) 0.56
HCI's Price/DCF (Projected) is ranked higher than
87% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.87 vs. HCI: 0.56 )
HCI' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 0.79
Current: 0.56

0.42
0.79
Price/Median PS Value 2.49
HCI's Price/Median PS Value is ranked higher than
53% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. HCI: 2.49 )
HCI' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 3.05
Current: 2.49

0.65
3.05
Price/Peter Lynch Fair Value 0.34
HCI's Price/Peter Lynch Fair Value is ranked higher than
100% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. HCI: 0.34 )
HCI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26   Max: 0.99
Current: 0.34

0.26
0.99
Price/Graham Number 1.02
HCI's Price/Graham Number is ranked higher than
73% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. HCI: 1.02 )
HCI' s 10-Year Price/Graham Number Range
Min: 0.28   Max: 1.2
Current: 1.02

0.28
1.2
Earnings Yield (Greenblatt) 31.40
HCI's Earnings Yield (Greenblatt) is ranked higher than
99% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. HCI: 31.40 )
HCI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 24.8   Max: 12615.8
Current: 31.4

24.8
12615.8
Forward Rate of Return (Yacktman) 84.53
HCI's Forward Rate of Return (Yacktman) is ranked higher than
96% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.44 vs. HCI: 84.53 )
HCI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 26.1   Max: 87.3
Current: 84.53

26.1
87.3

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
Traded in other countries:HCIIP.USA, 0H5.Germany,
HCI Group Inc, formerly known as Homeowners Choice, Inc., was incorporated in 2006. The Company, through its subsidiaries provides property and casualty insurance. Its principal operating subsidiary, Homeowners Choice Property & Casualty Insurance Company, Inc. (HCPCI), was incorporated and began operations in 2007 and provides property and casualty homeowners' insurance, condominium-owners' insurance, tenants' insurance, and dwelling fire insurance to individuals owning or occupying property in Florida under its Homeowners Choice brand. Its operations are supported by Company's wholly-owned subsidiaries such as Homeowners Choice Managers, Inc. which acts as managing general agent and provides marketing, underwriting, claims settlement, accounting and financial services to HCPCI; and Southern Administration, Inc. which provides policy administration services to HCPCI. The Company faces competition from national, regional and residual market insurance companies. Its insurance business is seasonal as hurricanes and tropical storms typically occur during the period from June 1 through November 30 each year. The Company is subject to the laws and regulations in Alabama and Florida. The Company has a Bermuda-based wholly-owned reinsurance subsidiary, Claddaugh Casualty Insurance Company Ltd., which participates in HCPCI's reinsurance program under the Claddaugh brand.
» More Articles for HCI

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HCI Group Insurance Subsidiary Assumes Approximately Thirty-Six Thousand Policies From Citizens... Dec 18 2014
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