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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 : 7/10

vs
industry
vs
history
Cash to Debt 2.10
HCI's Cash to Debt is ranked lower than
52% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. HCI: 2.10 )
Ranked among companies with meaningful Cash to Debt only.
HCI' s 10-Year Cash to Debt Range
Min: 2.08  Med: 10000.00 Max: No Debt
Current: 2.1
Equity to Asset 0.32
HCI's Equity to Asset is ranked higher than
65% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. HCI: 0.32 )
Ranked among companies with meaningful Equity to Asset only.
HCI' s 10-Year Equity to Asset Range
Min: 0.27  Med: 0.32 Max: 0.42
Current: 0.32
0.27
0.42
Interest Coverage 9.66
HCI's Interest Coverage is ranked lower than
72% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. HCI: 9.66 )
Ranked among companies with meaningful Interest Coverage only.
HCI' s 10-Year Interest Coverage Range
Min: 9.66  Med: 10000.00 Max: 9999.99
Current: 9.66
9.66
9999.99
F-Score: 5
WACC vs ROIC
19.63%
252.46%
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 (%) 41.95
HCI's Operating margin (%) is ranked higher than
96% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.41 vs. HCI: 41.95 )
Ranked among companies with meaningful Operating margin (%) only.
HCI' s 10-Year Operating margin (%) Range
Min: 12.51  Med: 28.19 Max: 44.16
Current: 41.95
12.51
44.16
Net-margin (%) 25.94
HCI's Net-margin (%) is ranked higher than
92% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.74 vs. HCI: 25.94 )
Ranked among companies with meaningful Net-margin (%) only.
HCI' s 10-Year Net-margin (%) Range
Min: 7.9  Med: 17.23 Max: 27.19
Current: 25.94
7.9
27.19
ROE (%) 36.32
HCI's ROE (%) is ranked higher than
98% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. HCI: 36.32 )
Ranked among companies with meaningful ROE (%) only.
HCI' s 10-Year ROE (%) Range
Min: 11.79  Med: 32.24 Max: 48.93
Current: 36.32
11.79
48.93
ROA (%) 12.10
HCI's ROA (%) is ranked higher than
95% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. HCI: 12.10 )
Ranked among companies with meaningful ROA (%) only.
HCI' s 10-Year ROA (%) Range
Min: 3.89  Med: 10.90 Max: 15.17
Current: 12.1
3.89
15.17
Revenue Growth (3Y)(%) 14.20
HCI's Revenue Growth (3Y)(%) is ranked higher than
82% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. HCI: 14.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HCI' s 10-Year Revenue Growth (3Y)(%) Range
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
80% of the 87 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 10-Year EBITDA Growth (3Y)(%) Range
Min: -6.9  Med: 44.60 Max: 92.2
Current: 53.1
-6.9
92.2
EPS Growth (3Y)(%) 49.60
HCI's EPS Growth (3Y)(%) is ranked higher than
75% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. HCI: 49.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HCI' s 10-Year EPS Growth (3Y)(%) Range
Min: -10.5  Med: 44.80 Max: 85.3
Current: 49.6
-10.5
85.3
» HCI's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

HCI Guru Trades in Q4 2014

Paul Tudor Jones 4,900 sh (New)
Chuck Royce 30,300 sh (+11.40%)
Jim Simons 18,100 sh (-70.81%)
» More
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
» 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
HCIIP10.107.32

Ratios

vs
industry
vs
history
P/E(ttm) 6.28
HCI's P/E(ttm) is ranked higher than
89% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. HCI: 6.28 )
Ranked among companies with meaningful P/E(ttm) only.
HCI' s 10-Year P/E(ttm) Range
Min: 2.1  Med: 7.46 Max: 12.6
Current: 6.28
2.1
12.6
Forward P/E 8.33
HCI's Forward P/E is ranked higher than
84% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. HCI: 8.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 6.50
HCI's PE(NRI) is ranked higher than
89% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. HCI: 6.50 )
Ranked among companies with meaningful PE(NRI) only.
HCI' s 10-Year PE(NRI) Range
Min: 2.1  Med: 7.38 Max: 12.68
Current: 6.5
2.1
12.68
P/B 1.87
HCI's P/B is ranked lower than
80% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. HCI: 1.87 )
Ranked among companies with meaningful P/B only.
HCI' s 10-Year P/B Range
Min: 0.65  Med: 1.22 Max: 3.58
Current: 1.87
0.65
3.58
P/S 1.52
HCI's P/S is ranked lower than
69% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. HCI: 1.52 )
Ranked among companies with meaningful P/S only.
HCI' s 10-Year P/S Range
Min: 0.51  Med: 0.85 Max: 2.42
Current: 1.52
0.51
2.42
PFCF 4.17
HCI's PFCF is ranked higher than
87% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.07 vs. HCI: 4.17 )
Ranked among companies with meaningful PFCF only.
HCI' s 10-Year PFCF Range
Min: 0.59  Med: 3.59 Max: 30.73
Current: 4.17
0.59
30.73
POCF 4.15
HCI's POCF is ranked higher than
87% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. HCI: 4.15 )
Ranked among companies with meaningful POCF only.
HCI' s 10-Year POCF Range
Min: 0.45  Med: 3.69 Max: 284.7
Current: 4.15
0.45
284.7
EV-to-EBIT 2.11
HCI's EV-to-EBIT is ranked higher than
96% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.41 vs. HCI: 2.11 )
Ranked among companies with meaningful EV-to-EBIT only.
HCI' s 10-Year EV-to-EBIT Range
Min: -7.7  Med: -0.10 Max: 4
Current: 2.11
-7.7
4
PEG 0.14
HCI's PEG is ranked higher than
98% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. HCI: 0.14 )
Ranked among companies with meaningful PEG only.
HCI' s 10-Year PEG Range
Min: 0.09  Med: 0.14 Max: 1.13
Current: 0.14
0.09
1.13
Shiller P/E 11.36
HCI's Shiller P/E is ranked higher than
87% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.48 vs. HCI: 11.36 )
Ranked among companies with meaningful Shiller P/E only.
HCI' s 10-Year Shiller P/E Range
Min: 11.36  Med: 14.79 Max: 21.27
Current: 11.36
11.36
21.27
Days Sales Outstanding 39.54
HCI's Days Sales Outstanding is ranked higher than
83% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. HCI: 39.54 )
Ranked among companies with meaningful Days Sales Outstanding only.
HCI' s 10-Year Days Sales Outstanding Range
Min: 1.59  Med: 29.42 Max: 158.01
Current: 39.54
1.59
158.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.02
HCI's Dividend Yield is ranked lower than
65% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.99 vs. HCI: 3.02 )
Ranked among companies with meaningful Dividend Yield only.
HCI' s 10-Year Dividend Yield Range
Min: 1.18  Med: 2.68 Max: 6.38
Current: 3.02
1.18
6.38
Dividend Payout 0.18
HCI's Dividend Payout is ranked higher than
79% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. HCI: 0.18 )
Ranked among companies with meaningful Dividend Payout only.
HCI' s 10-Year Dividend Payout Range
Min: 0.12  Med: 0.20 Max: 0.83
Current: 0.18
0.12
0.83
Dividend growth (3y) 37.30
HCI's Dividend growth (3y) is ranked higher than
92% of the 77 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 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 111.8
Current: 37.3
0
111.8
Yield on cost (5-Year) 3.02
HCI's Yield on cost (5-Year) is ranked lower than
81% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.24 vs. HCI: 3.02 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HCI' s 10-Year Yield on cost (5-Year) Range
Min: 1.18  Med: 2.68 Max: 6.38
Current: 3.02
1.18
6.38
Share Buyback Rate -24.00
HCI's Share Buyback Rate is ranked lower than
94% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. HCI: -24.00 )
Ranked among companies with meaningful Share Buyback Rate only.
HCI' s 10-Year Share Buyback Rate Range
Min: -0.3  Med: -21.40 Max: -24
Current: -24

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.85
HCI's Price/Tangible Book is ranked lower than
70% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. HCI: 1.85 )
Ranked among companies with meaningful Price/Tangible Book only.
HCI' s 10-Year Price/Tangible Book Range
Min: 0.67  Med: 1.23 Max: 3.65
Current: 1.85
0.67
3.65
Price/Projected FCF 0.41
HCI's Price/Projected FCF is ranked higher than
86% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. HCI: 0.41 )
Ranked among companies with meaningful Price/Projected FCF only.
HCI' s 10-Year Price/Projected FCF Range
Min: 0.42  Med: 0.51 Max: 0.79
Current: 0.41
0.42
0.79
Price/Median PS Value 1.79
HCI's Price/Median PS Value is ranked lower than
97% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. HCI: 1.79 )
Ranked among companies with meaningful Price/Median PS Value only.
HCI' s 10-Year Price/Median PS Value Range
Min: 0.63  Med: 1.02 Max: 2.94
Current: 1.79
0.63
2.94
Price/Peter Lynch Fair Value 0.25
HCI's Price/Peter Lynch Fair Value is ranked higher than
93% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.58 vs. HCI: 0.25 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HCI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.28  Med: 0.32 Max: 0.99
Current: 0.25
0.28
0.99
Price/Graham Number 0.67
HCI's Price/Graham Number is ranked higher than
69% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. HCI: 0.67 )
Ranked among companies with meaningful Price/Graham Number only.
HCI' s 10-Year Price/Graham Number Range
Min: 0.28  Med: 0.63 Max: 1.2
Current: 0.67
0.28
1.2
Earnings Yield (Greenblatt) (%) 47.50
HCI's Earnings Yield (Greenblatt) (%) is ranked higher than
96% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. HCI: 47.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HCI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 24.8  Med: 36.30 Max: 12615.8
Current: 47.5
24.8
12615.8
Forward Rate of Return (Yacktman) (%) 89.30
HCI's Forward Rate of Return (Yacktman) (%) is ranked higher than
91% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. HCI: 89.30 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HCI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 26.1  Med: 63.95 Max: 94.8
Current: 89.3
26.1
94.8

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 298 275
EPS($) 6.28 4.79
EPS without NRI($) 6.28 4.79

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.
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