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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 2.18
HCI's Cash to Debt is ranked lower than
53% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. HCI: 2.18 )
Ranked among companies with meaningful Cash to Debt only.
HCI' s Cash to Debt Range Over the Past 10 Years
Min: 2.07  Med: 10000.00 Max: No Debt
Current: 2.18
Equity to Asset 0.38
HCI's Equity to Asset is ranked higher than
78% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. HCI: 0.38 )
Ranked among companies with meaningful Equity to Asset only.
HCI' s Equity to Asset Range Over the Past 10 Years
Min: 0.27  Med: 0.32 Max: 0.42
Current: 0.38
0.27
0.42
Interest Coverage 6.85
HCI's Interest Coverage is ranked lower than
78% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.46 vs. HCI: 6.85 )
Ranked among companies with meaningful Interest Coverage only.
HCI' s Interest Coverage Range Over the Past 10 Years
Min: 9.66  Med: 10000.00 Max: 9999.99
Current: 6.85
9.66
9999.99
F-Score: 4
M-Score: -2.28
WACC vs ROIC
11.95%
64.25%
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 (%) 28.30
HCI's Operating margin (%) is ranked higher than
89% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.31 vs. HCI: 28.30 )
Ranked among companies with meaningful Operating margin (%) only.
HCI' s Operating margin (%) Range Over the Past 10 Years
Min: 12.51  Med: 30.41 Max: 44.16
Current: 28.3
12.51
44.16
Net-margin (%) 17.60
HCI's Net-margin (%) is ranked higher than
88% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.48 vs. HCI: 17.60 )
Ranked among companies with meaningful Net-margin (%) only.
HCI' s Net-margin (%) Range Over the Past 10 Years
Min: 7.9  Med: 18.49 Max: 27.19
Current: 17.6
7.9
27.19
ROE (%) 19.53
HCI's ROE (%) is ranked higher than
89% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.19 vs. HCI: 19.53 )
Ranked among companies with meaningful ROE (%) only.
HCI' s ROE (%) Range Over the Past 10 Years
Min: 7.09  Med: 29.72 Max: 48.93
Current: 19.53
7.09
48.93
ROA (%) 7.02
HCI's ROA (%) is ranked higher than
89% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.25 vs. HCI: 7.02 )
Ranked among companies with meaningful ROA (%) only.
HCI' s ROA (%) Range Over the Past 10 Years
Min: 2.54  Med: 10.66 Max: 15.17
Current: 7.02
2.54
15.17
Revenue Growth (3Y)(%) 9.50
HCI's Revenue Growth (3Y)(%) is ranked higher than
71% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. HCI: 9.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HCI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 9.5  Med: 23.85 Max: 66.8
Current: 9.5
9.5
66.8
EBITDA Growth (3Y)(%) 21.40
HCI's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. HCI: 21.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HCI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.7  Med: 37.50 Max: 97.3
Current: 21.4
-12.7
97.3
EPS Growth (3Y)(%) 16.80
HCI's EPS Growth (3Y)(%) is ranked higher than
63% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. HCI: 16.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HCI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.2  Med: 35.90 Max: 90.3
Current: 16.8
-16.2
90.3
» HCI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-04)


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

» Details

Guru Trades

Q2 2015

HCI Guru Trades in Q2 2015

Chuck Royce 39,500 sh (unchged)
Paul Tudor Jones Sold Out
» More
Q3 2015

HCI Guru Trades in Q3 2015

Chuck Royce 39,500 sh (unchged)
» More
Q4 2015

HCI Guru Trades in Q4 2015

Paul Tudor Jones 18,100 sh (New)
Jim Simons 56,300 sh (New)
Chuck Royce 39,500 sh (unchged)
» More
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
» 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
HCIIP10.100.00

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:FNHC, OTCPK:FBDHY, NAS:NMIH, NAS:UIHC, NAS:BWINA, NYSE:HRTG, NAS:HALL, NAS:AFH, NAS:DGICB, NAS:SNC, OTCPK:EGFHF, NYSE:KFS, NAS:GBLI, NAS:UNAM, NAS:CNFR, NAS:NSEC, NAS:PIH, NAS:EMCI, NAS:NATL, NYSE:UVE » 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.

Top Ranked Articles about HCI Group Inc

Guru Stocks With High Yield and Profitability Companies with strong returns over the past 10 years
Thanks to GuruFocus’ All-In-One Screener, I want to highlight stocks that have a growing dividend yield with sustainable payout ratio. This sustainability is confirmed by long-term profitability and a very strong financial situation. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 6.51
HCI's P/E(ttm) is ranked higher than
91% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.57 vs. HCI: 6.51 )
Ranked among companies with meaningful P/E(ttm) only.
HCI' s P/E(ttm) Range Over the Past 10 Years
Min: 2.1  Med: 7.35 Max: 12.6
Current: 6.51
2.1
12.6
PE(NRI) 6.84
HCI's PE(NRI) is ranked higher than
88% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.57 vs. HCI: 6.84 )
Ranked among companies with meaningful PE(NRI) only.
HCI' s PE(NRI) Range Over the Past 10 Years
Min: 2.1  Med: 7.49 Max: 12.68
Current: 6.84
2.1
12.68
P/B 1.15
HCI's P/B is ranked higher than
52% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. HCI: 1.15 )
Ranked among companies with meaningful P/B only.
HCI' s P/B Range Over the Past 10 Years
Min: 0.65  Med: 1.33 Max: 3.58
Current: 1.15
0.65
3.58
P/S 1.13
HCI's P/S is ranked lower than
54% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. HCI: 1.13 )
Ranked among companies with meaningful P/S only.
HCI' s P/S Range Over the Past 10 Years
Min: 0.49  Med: 1.11 Max: 2.41
Current: 1.13
0.49
2.41
PFCF 17.79
HCI's PFCF is ranked lower than
72% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.59 vs. HCI: 17.79 )
Ranked among companies with meaningful PFCF only.
HCI' s PFCF Range Over the Past 10 Years
Min: 1.1  Med: 5.65 Max: 22.64
Current: 17.79
1.1
22.64
POCF 16.89
HCI's POCF is ranked lower than
76% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.55 vs. HCI: 16.89 )
Ranked among companies with meaningful POCF only.
HCI' s POCF Range Over the Past 10 Years
Min: 0.39  Med: 3.81 Max: 58.49
Current: 16.89
0.39
58.49
EV-to-EBIT 1.59
HCI's EV-to-EBIT is ranked higher than
96% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.17 vs. HCI: 1.59 )
Ranked among companies with meaningful EV-to-EBIT only.
HCI' s EV-to-EBIT Range Over the Past 10 Years
Min: -7.7  Med: 0.45 Max: 3.8
Current: 1.59
-7.7
3.8
EV-to-EBITDA 1.50
HCI's EV-to-EBITDA is ranked higher than
96% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.52 vs. HCI: 1.50 )
Ranked among companies with meaningful EV-to-EBITDA only.
HCI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7.5  Med: 0.45 Max: 3.7
Current: 1.5
-7.5
3.7
PEG 0.12
HCI's PEG is ranked higher than
98% of the 53 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. HCI: 0.12 )
Ranked among companies with meaningful PEG only.
HCI' s PEG Range Over the Past 10 Years
Min: 0.08  Med: 0.16 Max: 1.14
Current: 0.12
0.08
1.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.39
HCI's Dividend Yield is ranked higher than
69% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.21 vs. HCI: 4.39 )
Ranked among companies with meaningful Dividend Yield only.
HCI' s Dividend Yield Range Over the Past 10 Years
Min: 1.18  Med: 2.80 Max: 6.38
Current: 4.39
1.18
6.38
Dividend Payout 0.30
HCI's Dividend Payout is ranked higher than
59% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.69 vs. HCI: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
HCI' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.24 Max: 0.83
Current: 0.3
0.13
0.83
Dividend Growth (3y) 15.70
HCI's Dividend Growth (3y) is ranked higher than
64% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.00 vs. HCI: 15.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
HCI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 7.85 Max: 111.8
Current: 15.7
0
111.8
Forward Dividend Yield 4.39
HCI's Forward Dividend Yield is ranked higher than
67% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.26 vs. HCI: 4.39 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 40.04
HCI's Yield on cost (5-Year) is ranked higher than
99% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. HCI: 40.04 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HCI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 10.76  Med: 25.54 Max: 58.19
Current: 40.04
10.76
58.19
3-Year Average Share Buyback Ratio 1.80
HCI's 3-Year Average Share Buyback Ratio is ranked higher than
78% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. HCI: 1.80 )
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: -18.50 Max: 3.5
Current: 1.8
-21.6
3.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
HCI's Price/Tangible Book is ranked higher than
58% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. HCI: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
HCI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.67  Med: 1.40 Max: 3.65
Current: 1.15
0.67
3.65
Price/Projected FCF 0.24
HCI's Price/Projected FCF is ranked higher than
94% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.76 vs. HCI: 0.24 )
Ranked among companies with meaningful Price/Projected FCF only.
HCI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.29  Med: 0.53 Max: 0.94
Current: 0.24
0.29
0.94
Price/Median PS Value 1.03
HCI's Price/Median PS Value is ranked lower than
56% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. HCI: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
HCI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.45  Med: 0.95 Max: 2.23
Current: 1.03
0.45
2.23
Price/Peter Lynch Fair Value 0.27
HCI's Price/Peter Lynch Fair Value is ranked higher than
92% of the 37 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.65 vs. HCI: 0.27 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HCI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.25  Med: 0.32 Max: 0.99
Current: 0.27
0.25
0.99
Price/Graham Number 0.59
HCI's Price/Graham Number is ranked higher than
87% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. HCI: 0.59 )
Ranked among companies with meaningful Price/Graham Number only.
HCI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.29  Med: 0.68 Max: 1.25
Current: 0.59
0.29
1.25
Earnings Yield (Greenblatt) (%) 62.90
HCI's Earnings Yield (Greenblatt) (%) is ranked higher than
96% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. HCI: 62.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HCI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 26.3  Med: 44.50 Max: 4059.1
Current: 62.9
26.3
4059.1
Forward Rate of Return (Yacktman) (%) 77.60
HCI's Forward Rate of Return (Yacktman) (%) is ranked higher than
96% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.94 vs. HCI: 77.60 )
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: 19.9  Med: 72.55 Max: 94.8
Current: 77.6
19.9
94.8

More Statistics

Revenue (TTM) (Mil) $264.5
EPS (TTM) $ 4.20
Beta1.76
Short Percentage of Float14.53%
52-Week Range $26.90 - 46.00
Shares Outstanding (Mil)10.50

Analyst Estimate

Dec16
Revenue (Mil $)
EPS ($) 4.79
EPS w/o NRI ($) 4.79
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for HCI

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POSTING OF CIRCULAR AND NOTICE OF GENERAL MEETING Jun 23 2016
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VOLUNTARY ANNOUNCEMENTINCREASE IN SHAREHOLDING BY A DIRECTOR Jun 16 2016
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