HCI Group Inc is engaged in the property and casualty insurance business through two Florida domiciled insurance companies, Homeowners Choice Property & Casualty Insurance Company (HCPCI) and TypTap Insurance Company (TypTap). Both HCPCI and TypTap are authorized to underwrite various homeowners' property and casualty insurance products and allied lines business in the state of Florida and other states. The operating segments of the group are HCPCI insurance operations, TypTap Group, Real estate operations, and Corporate and other. It derives key revenue from the HCPCI Insurance operation segment.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	2.56
Equity-to-Asset	0.18
Debt-to-Equity	0.65
Debt-to-EBITDA	1.53
Interest Coverage	11.66
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-3.07	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	20.5
	3-Year EBITDA Growth Rate	28
	3-Year EPS without NRI Growth Rate	126
	3-Year FCF Growth Rate	40.2
	3-Year Book Growth Rate	8.9
	Future 3-5Y EPS without NRI Growth Rate	25
	Future 3-5Y Total Revenue Growth Rate	18.36

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	40.32
	9-Day RSI	43.53
	14-Day RSI	48.81
	6-1 Month Momentum %	85.19
	12-1 Month Momentum %	111.76

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.44
	Dividend Payout Ratio	0.21
	Forward Dividend Yield %	1.44
	5-Year Yield-on-Cost %	1.53
	3-Year Average Share Buyback Ratio	-7.7
	Shareholder Yield %	-8.98

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	14.37
	FCF Margin %	40.43
	ROE %	37.42
	ROA %	4.47
	ROIC %	6.98
	Years of Profitability over Past 10-Year	8

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	14.68
	Forward PE Ratio	10.73
	PE Ratio without NRI	14.66
	Shiller PE Ratio	39.54
	Price-to-Owner-Earnings	5.81
	PS Ratio	2.25
	PB Ratio	3.35
	Price-to-Tangible-Book	3.44
	Price-to-Free-Cash-Flow	5.65
	Price-to-Operating-Cash-Flow	5.45
	EV-to-EBIT	6.03
	EV-to-EBITDA	5.67
	EV-to-Revenue	1.41
	EV-to-Forward-Revenue	1.02
	EV-to-FCF	3.49
	Price-to-Projected-FCF	1.02
	Price-to-Median-PS-Value	1.35
	Price-to-Graham-Number	1.5
	Earnings Yield (Greenblatt) %	16.58
	FCF Yield %	19.91
	Forward Rate of Return (Yacktman) %	14.78

GF Value: $78.27

HCI

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