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Also traded in: Germany

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 : 7/10

vs
industry
vs
history
Cash-to-Debt 2.02
HCI's Cash-to-Debt is ranked lower than
52% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.37 vs. HCI: 2.02 )
Ranked among companies with meaningful Cash-to-Debt only.
HCI' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.02  Med: No Debt Max: No Debt
Current: 2.02
Equity-to-Asset 0.36
HCI's Equity-to-Asset is ranked higher than
73% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. HCI: 0.36 )
Ranked among companies with meaningful Equity-to-Asset only.
HCI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.28  Med: 0.33 Max: 0.37
Current: 0.36
0.28
0.37
Interest Coverage 4.23
HCI's Interest Coverage is ranked lower than
83% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 29.34 vs. HCI: 4.23 )
Ranked among companies with meaningful Interest Coverage only.
HCI' s Interest Coverage Range Over the Past 10 Years
Min: 4.23  Med: No Debt Max: No Debt
Current: 4.23
Piotroski F-Score: 4
Beneish M-Score: -2.95
WACC vs ROIC
11.80%
33.16%
WACC
ROIC
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 : 8/10

vs
industry
vs
history
Operating Margin % 17.72
HCI's Operating Margin % is ranked higher than
85% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. HCI: 17.72 )
Ranked among companies with meaningful Operating Margin % only.
HCI' s Operating Margin % Range Over the Past 10 Years
Min: 12.51  Med: 28.19 Max: 44.16
Current: 17.72
12.51
44.16
Net Margin % 10.97
HCI's Net Margin % is ranked higher than
77% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.52 vs. HCI: 10.97 )
Ranked among companies with meaningful Net Margin % only.
HCI' s Net Margin % Range Over the Past 10 Years
Min: 7.9  Med: 17.23 Max: 27.19
Current: 10.97
7.9
27.19
ROE % 11.58
HCI's ROE % is ranked higher than
79% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.67 vs. HCI: 11.58 )
Ranked among companies with meaningful ROE % only.
HCI' s ROE % Range Over the Past 10 Years
Min: 7.09  Med: 28.04 Max: 48.93
Current: 11.58
7.09
48.93
ROA % 4.41
HCI's ROA % is ranked higher than
91% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. HCI: 4.41 )
Ranked among companies with meaningful ROA % only.
HCI' s ROA % Range Over the Past 10 Years
Min: 2.54  Med: 9.38 Max: 15.17
Current: 4.41
2.54
15.17
3-Year Revenue Growth Rate 7.10
HCI's 3-Year Revenue Growth Rate is ranked higher than
81% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.30 vs. HCI: 7.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HCI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 7.1  Med: 20.4 Max: 66.6
Current: 7.1
7.1
66.6
3-Year EBITDA Growth Rate -16.70
HCI's 3-Year EBITDA Growth Rate is ranked higher than
80% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.60 vs. HCI: -16.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HCI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.7  Med: 28.1 Max: 97.5
Current: -16.7
-16.7
97.5
3-Year EPS without NRI Growth Rate -19.70
HCI's 3-Year EPS without NRI Growth Rate is ranked higher than
75% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.10 vs. HCI: -19.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HCI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -19.7  Med: 25.7 Max: 90.8
Current: -19.7
-19.7
90.8
» HCI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

HCI Guru Trades in Q1 2016

Chuck Royce 39,500 sh (unchged)
Paul Tudor Jones Sold Out
Jim Simons 20,300 sh (-63.94%)
» More
Q2 2016

HCI Guru Trades in Q2 2016

Paul Tudor Jones 10,100 sh (New)
Jeremy Grantham 20,200 sh (New)
Jim Simons 56,600 sh (+178.82%)
Chuck Royce 39,500 sh (unchged)
» More
Q3 2016

HCI Guru Trades in Q3 2016

Jim Simons 141,800 sh (+150.53%)
Chuck Royce 39,500 sh (unchged)
Paul Tudor Jones Sold Out
Jeremy Grantham Sold Out
» More
Q4 2016

HCI Guru Trades in Q4 2016

Chuck Royce 58,612 sh (+48.38%)
Jim Simons 139,500 sh (-1.62%)
» 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%)

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Preferred stocks of HCI Group Inc

SymbolPriceYieldDescription
HCIIP9.980.007 % Cum Red Pfd Shs A

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:DGICA, NYSE:HRTG, NAS:SNC, NAS:BWINB, NAS:UIHC, NAS:GBLI, NAS:EMCI, NAS:FNHC, NAS:KNSL, NAS:NMIH, NAS:HALL, NAS:AFH, NYSE:KFS, OTCPK:EGFHF, NAS:CNFR, NAS:UNAM, NAS:PIH, NAS:NSEC, NYSE:UVE, NAS:IPCC » details
Traded in other countries:0H5.Germany,
HCI Group Inc through its subsidiaries provides property and casualty insurance. The Company operates in Property & casualty insurance, Reinsurance, Information technology and Real estate.

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.

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Ratios

vs
industry
vs
history
PE Ratio 16.56
HCI's PE Ratio is ranked higher than
65% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.25 vs. HCI: 16.56 )
Ranked among companies with meaningful PE Ratio only.
HCI' s PE Ratio Range Over the Past 10 Years
Min: 2.05  Med: 7.38 Max: 16.56
Current: 16.56
2.05
16.56
PE Ratio without NRI 16.56
HCI's PE Ratio without NRI is ranked higher than
67% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.30 vs. HCI: 16.56 )
Ranked among companies with meaningful PE Ratio without NRI only.
HCI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.05  Med: 7.38 Max: 16.56
Current: 16.56
2.05
16.56
Price-to-Owner-Earnings 5.01
HCI's Price-to-Owner-Earnings is ranked lower than
79% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.91 vs. HCI: 5.01 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HCI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.17  Med: 4.93 Max: 14.61
Current: 5.01
1.17
14.61
PB Ratio 1.92
HCI's PB Ratio is ranked lower than
69% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.33 vs. HCI: 1.92 )
Ranked among companies with meaningful PB Ratio only.
HCI' s PB Ratio Range Over the Past 10 Years
Min: 0.65  Med: 1.32 Max: 3.58
Current: 1.92
0.65
3.58
PS Ratio 1.85
HCI's PS Ratio is ranked lower than
74% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. HCI: 1.85 )
Ranked among companies with meaningful PS Ratio only.
HCI' s PS Ratio Range Over the Past 10 Years
Min: 0.49  Med: 1.21 Max: 2.41
Current: 1.85
0.49
2.41
Price-to-Free-Cash-Flow 5.48
HCI's Price-to-Free-Cash-Flow is ranked lower than
62% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. HCI: 5.48 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HCI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.39  Med: 4.6 Max: 22.64
Current: 5.48
0.39
22.64
Price-to-Operating-Cash-Flow 5.45
HCI's Price-to-Operating-Cash-Flow is ranked lower than
62% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.93 vs. HCI: 5.45 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HCI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.39  Med: 4.44 Max: 56.56
Current: 5.45
0.39
56.56
EV-to-EBIT 4.50
HCI's EV-to-EBIT is ranked higher than
90% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. HCI: 4.50 )
Ranked among companies with meaningful EV-to-EBIT only.
HCI' s EV-to-EBIT Range Over the Past 10 Years
Min: -7.7  Med: 1.3 Max: 5.6
Current: 4.5
-7.7
5.6
EV-to-EBITDA 4.22
HCI's EV-to-EBITDA is ranked higher than
91% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.47 vs. HCI: 4.22 )
Ranked among companies with meaningful EV-to-EBITDA only.
HCI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7.5  Med: 1.3 Max: 5.3
Current: 4.22
-7.5
5.3
PEG Ratio 0.77
HCI's PEG Ratio is ranked higher than
89% of the 56 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. HCI: 0.77 )
Ranked among companies with meaningful PEG Ratio only.
HCI' s PEG Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.17 Max: 1.11
Current: 0.77
0.08
1.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.62
HCI's Dividend Yield % is ranked higher than
54% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. HCI: 2.62 )
Ranked among companies with meaningful Dividend Yield % only.
HCI' s Dividend Yield % Range Over the Past 10 Years
Min: 1.18  Med: 2.93 Max: 6.38
Current: 2.62
1.18
6.38
Dividend Payout Ratio 0.35
HCI's Dividend Payout Ratio is ranked higher than
58% of the 139 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.31 vs. HCI: 0.35 )
Ranked among companies with meaningful Dividend Payout Ratio only.
HCI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.12  Med: 0.21 Max: 0.41
Current: 0.35
0.12
0.41
3-Year Dividend Growth Rate 8.10
HCI's 3-Year Dividend Growth Rate is ranked higher than
65% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. HCI: 8.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
HCI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.1 Max: 111.8
Current: 8.1
0
111.8
Forward Dividend Yield % 2.94
HCI's Forward Dividend Yield % is ranked higher than
56% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.84 vs. HCI: 2.94 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.77
HCI's 5-Year Yield-on-Cost % is ranked higher than
97% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.61 vs. HCI: 6.77 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
HCI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.05  Med: 7.57 Max: 16.48
Current: 6.77
3.05
16.48
3-Year Average Share Buyback Ratio 3.10
HCI's 3-Year Average Share Buyback Ratio is ranked higher than
78% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. HCI: 3.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HCI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -21.6  Med: -18 Max: 3.5
Current: 3.1
-21.6
3.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.96
HCI's Price-to-Tangible-Book is ranked lower than
61% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.57 vs. HCI: 1.96 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HCI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.78  Med: 1.51 Max: 3.65
Current: 1.96
0.78
3.65
Price-to-Intrinsic-Value-Projected-FCF 0.36
HCI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
85% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.78 vs. HCI: 0.36 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HCI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.3  Med: 0.48 Max: 0.74
Current: 0.36
0.3
0.74
Price-to-Median-PS-Value 1.52
HCI's Price-to-Median-PS-Value is ranked lower than
88% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. HCI: 1.52 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HCI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.51  Med: 0.98 Max: 2.03
Current: 1.52
0.51
2.03
Price-to-Peter-Lynch-Fair-Value 0.94
HCI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
80% of the 35 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. HCI: 0.94 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
HCI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.24  Med: 0.38 Max: 0.99
Current: 0.94
0.24
0.99
Price-to-Graham-Number 1.20
HCI's Price-to-Graham-Number is ranked lower than
51% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. HCI: 1.20 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HCI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.34  Med: 0.69 Max: 1.24
Current: 1.2
0.34
1.24
Earnings Yield (Greenblatt) % 22.20
HCI's Earnings Yield (Greenblatt) % is ranked higher than
91% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. HCI: 22.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HCI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 17.8  Med: 41.6 Max: 20538.3
Current: 22.2
17.8
20538.3
Forward Rate of Return (Yacktman) % 33.86
HCI's Forward Rate of Return (Yacktman) % is ranked higher than
85% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.08 vs. HCI: 33.86 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
HCI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 19.8  Med: 63.5 Max: 94
Current: 33.86
19.8
94

More Statistics

Revenue (TTM) (Mil) $264.4
EPS (TTM) $ 2.88
Beta1.55
Short Percentage of Float16.21%
52-Week Range $24.35 - 49.00
Shares Outstanding (Mil)9.66
» More Articles for HCI

Headlines

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HCI GROUP, INC. Files SEC form 10-K, Annual Report Feb 22 2017
Edited Transcript of HCI earnings conference call or presentation 21-Feb-17 9:45pm GMT Feb 21 2017
HCI Group posts 4Q profit Feb 21 2017
HCI Group posts 4Q profit Feb 21 2017
HCI GROUP, INC. Files SEC form 8-K, Results of Operations and Financial Condition Feb 21 2017
HCI Group Reports Fourth Quarter and Full Year 2016 Results Feb 21 2017
Q4 2016 HCI Group Inc Earnings Release - After Market Close Feb 21 2017
Investor Network Invites You to the HCI Group Fourth Quarter 2016 Earnings Conference Call and... Feb 20 2017
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HCI Group to Participate at the 42nd Annual AIFA Conference on Tuesday, March 7, 2017 Feb 16 2017
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HCI Group Increases Quarterly Cash Dividend 16.7% to 35 Cents Jan 17 2017
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