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Also traded in: Germany, USA

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 2.52
HCI's Cash to Debt is ranked lower than
55% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.48 vs. HCI: 2.52 )
Ranked among companies with meaningful Cash to Debt only.
HCI' s Cash to Debt Range Over the Past 10 Years
Min: 2.08  Med: 10000.00 Max: No Debt
Current: 2.52
Equity to Asset 0.33
HCI's Equity to Asset is ranked higher than
64% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. HCI: 0.33 )
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: 0.33
0.27
0.42
Interest Coverage 10.49
HCI's Interest Coverage is ranked lower than
70% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. HCI: 10.49 )
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: 10.49
9.66
9999.99
F-Score: 5
WACC vs ROIC
15.62%
195.26%
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 (%) 39.01
HCI's Operating margin (%) is ranked higher than
95% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.56 vs. HCI: 39.01 )
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: 39.01
12.51
44.16
Net-margin (%) 24.13
HCI's Net-margin (%) is ranked higher than
92% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. HCI: 24.13 )
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: 24.13
7.9
27.19
ROE (%) 32.63
HCI's ROE (%) is ranked higher than
96% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.17 vs. HCI: 32.63 )
Ranked among companies with meaningful ROE (%) only.
HCI' s ROE (%) Range Over the Past 10 Years
Min: 11.79  Med: 32.24 Max: 48.93
Current: 32.63
11.79
48.93
ROA (%) 10.68
HCI's ROA (%) is ranked higher than
95% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.49 vs. HCI: 10.68 )
Ranked among companies with meaningful ROA (%) only.
HCI' s ROA (%) Range Over the Past 10 Years
Min: 3.89  Med: 10.90 Max: 15.17
Current: 10.68
3.89
15.17
Revenue Growth (3Y)(%) 14.20
HCI's Revenue Growth (3Y)(%) is ranked higher than
78% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. HCI: 14.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HCI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 14.2  Med: 23.30 Max: 71
Current: 14.2
14.2
71
EBITDA Growth (3Y)(%) 53.10
HCI's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. HCI: 53.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HCI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.9  Med: 44.60 Max: 92.2
Current: 53.1
-6.9
92.2
EPS Growth (3Y)(%) 49.50
HCI's EPS Growth (3Y)(%) is ranked higher than
76% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. HCI: 49.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HCI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.6  Med: 44.00 Max: 85.5
Current: 49.5
-10.6
85.5
» HCI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

HCI Guru Trades in Q1 2015

Chuck Royce 39,500 sh (+30.36%)
Paul Tudor Jones 4,900 sh (unchged)
Jim Simons Sold Out
» More
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

Jim Simons 56,300 sh (New)
Chuck Royce 39,500 sh (unchged)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of HCI Group Inc

SymbolPriceYieldDescription
HCIIP10.1028.94

Ratios

vs
industry
vs
history
P/E(ttm) 5.50
HCI's P/E(ttm) is ranked higher than
97% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.38 vs. HCI: 5.50 )
Ranked among companies with meaningful P/E(ttm) only.
HCI' s P/E(ttm) Range Over the Past 10 Years
Min: 2.05  Med: 7.18 Max: 12.48
Current: 5.5
2.05
12.48
Forward P/E 8.35
HCI's Forward P/E is ranked higher than
85% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.56 vs. HCI: 8.35 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 5.70
HCI's PE(NRI) is ranked higher than
98% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.70 vs. HCI: 5.70 )
Ranked among companies with meaningful PE(NRI) only.
HCI' s PE(NRI) Range Over the Past 10 Years
Min: 2.05  Med: 7.12 Max: 12.48
Current: 5.7
2.05
12.48
P/B 1.50
HCI's P/B is ranked lower than
75% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. HCI: 1.50 )
Ranked among companies with meaningful P/B only.
HCI' s P/B Range Over the Past 10 Years
Min: 0.65  Med: 1.37 Max: 3.58
Current: 1.5
0.65
3.58
P/S 1.33
HCI's P/S is ranked lower than
73% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.95 vs. HCI: 1.33 )
Ranked among companies with meaningful P/S only.
HCI' s P/S Range Over the Past 10 Years
Min: 0.49  Med: 0.90 Max: 2.41
Current: 1.33
0.49
2.41
PFCF 2.93
HCI's PFCF is ranked higher than
93% of the 144 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.03 vs. HCI: 2.93 )
Ranked among companies with meaningful PFCF only.
HCI' s PFCF Range Over the Past 10 Years
Min: 0.49  Med: 3.29 Max: 30.73
Current: 2.93
0.49
30.73
POCF 2.92
HCI's POCF is ranked higher than
94% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.76 vs. HCI: 2.92 )
Ranked among companies with meaningful POCF only.
HCI' s POCF Range Over the Past 10 Years
Min: 0.39  Med: 3.56 Max: 284.67
Current: 2.92
0.39
284.67
EV-to-EBIT 1.38
HCI's EV-to-EBIT is ranked higher than
97% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.53 vs. HCI: 1.38 )
Ranked among companies with meaningful EV-to-EBIT only.
HCI' s EV-to-EBIT Range Over the Past 10 Years
Min: -7.7  Med: 0.00 Max: 3.8
Current: 1.38
-7.7
3.8
EV-to-EBITDA 1.33
HCI's EV-to-EBITDA is ranked higher than
97% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.91 vs. HCI: 1.33 )
Ranked among companies with meaningful EV-to-EBITDA only.
HCI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7.5  Med: 0.00 Max: 3.7
Current: 1.33
-7.5
3.7
PEG 0.12
HCI's PEG is ranked higher than
98% of the 47 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.78 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: 1.1
Current: 0.12
0.08
1.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.58
HCI's Dividend Yield is ranked lower than
51% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.09 vs. HCI: 3.58 )
Ranked among companies with meaningful Dividend Yield only.
HCI' s Dividend Yield Range Over the Past 10 Years
Min: 1.18  Med: 2.73 Max: 6.38
Current: 3.58
1.18
6.38
Dividend Payout 0.20
HCI's Dividend Payout is ranked higher than
74% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. HCI: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
HCI' s Dividend Payout Range Over the Past 10 Years
Min: 0.12  Med: 0.20 Max: 0.83
Current: 0.2
0.12
0.83
Dividend Growth (3y) 37.30
HCI's Dividend Growth (3y) is ranked higher than
92% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. HCI: 37.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
HCI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 111.8
Current: 37.3
0
111.8
Forward Dividend Yield 3.58
HCI's Forward Dividend Yield is ranked higher than
56% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.60 vs. HCI: 3.58 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.58
HCI's Yield on cost (5-Year) is ranked lower than
66% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. HCI: 3.58 )
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: 1.18  Med: 2.72 Max: 6.38
Current: 3.58
1.18
6.38
3-Year Average Share Buyback Ratio -24.00
HCI's 3-Year Average Share Buyback Ratio is ranked lower than
94% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.50 vs. HCI: -24.00 )
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: -24  Med: -21.40 Max: -0.3
Current: -24
-24
-0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
HCI's Price/Tangible Book is ranked lower than
63% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.31 vs. HCI: 1.50 )
Ranked among companies with meaningful Price/Tangible Book only.
HCI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.67  Med: 1.28 Max: 3.65
Current: 1.5
0.67
3.65
Price/Projected FCF 0.33
HCI's Price/Projected FCF is ranked higher than
91% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. HCI: 0.33 )
Ranked among companies with meaningful Price/Projected FCF only.
HCI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.38  Med: 0.51 Max: 0.79
Current: 0.33
0.38
0.79
Price/Median PS Value 1.45
HCI's Price/Median PS Value is ranked higher than
81% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. HCI: 1.45 )
Ranked among companies with meaningful Price/Median PS Value only.
HCI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.58  Med: 0.98 Max: 2.71
Current: 1.45
0.58
2.71
Price/Peter Lynch Fair Value 0.22
HCI's Price/Peter Lynch Fair Value is ranked higher than
96% of the 70 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.53 vs. HCI: 0.22 )
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: 0.26  Med: 0.32 Max: 0.99
Current: 0.22
0.26
0.99
Price/Graham Number 0.61
HCI's Price/Graham Number is ranked higher than
83% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. HCI: 0.61 )
Ranked among companies with meaningful Price/Graham Number only.
HCI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.29  Med: 0.67 Max: 1.24
Current: 0.61
0.29
1.24
Earnings Yield (Greenblatt) (%) 72.50
HCI's Earnings Yield (Greenblatt) (%) is ranked higher than
98% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. HCI: 72.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HCI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 26.3  Med: 41.50 Max: 5057.7
Current: 72.5
26.3
5057.7
Forward Rate of Return (Yacktman) (%) 88.63
HCI's Forward Rate of Return (Yacktman) (%) is ranked higher than
94% of the 71 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.25 vs. HCI: 88.63 )
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: 26.1  Med: 63.70 Max: 92.3
Current: 88.63
26.1
92.3

More Statistics

Revenue(Mil) $287
EPS $ 6.14
Beta2.36
Short Percentage of Float20.58%
52-Week Range $29.30 - 50.38
Shares Outstanding(Mil)10.89

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 298 275
EPS($) 5.72 4.79
EPS without NRI($) 5.72 4.79

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
Traded in other countries:0H5.Germany, HCIIP.USA,
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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