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Combined Ratio % is a profitability metric of an insurance company to measure its performance in daily operations. It measures the money flowing out of an insurance company in the form of dividends, expenses, and losses.
HCI Group's Combined Ratio % for the quarter that ended in Jun. 2026 was 61.50%
, which is higher than
56.90% for the pervious quarter ended in Mar. 2026.
HCI Group's Combined Ratio % for the annual that ended in Dec. 2025 was 56.30%
, which is lower than
83.10% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for HCI Group's Combined Ratio % or its related term are showing as below:
HCI's Combined Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Combined Ratio % only.
Combined Ratio % measures the money flowing out of an insurance company in the form of dividends, expenses and losses. A ratio below 100 percent suggests that the company is making an underwriting profit, while a ratio above 100 percent means that it paid more in the claim than it received. However, a ratio above 100 percent does not necessarily mean the company is losing money because the investment income is not included in the calculation.
Compared to Claims Ratio % and Expense Ratio %, the combined ratio is most important because it provides a comprehensive measure of an insurer's profitability.
HCI Group Combined Ratio % Related Terms
HCI Group Combined Ratio % Historical Data
* Premium members only.
The historical data trend for HCI Group's Combined Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HCI vs SKWD, STC, HMN: Combined Ratio % Comparison
For the Insurance - Property & Casualty subindustry, HCI Group's Combined Ratio %, along with its competitors' market caps and Combined Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Combined Ratio % of 61.50% mean?
HCI Group (HCI) has a Combined Ratio % of 61.50% as of Jun. 2026. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on HCI Group and its competitors.
Is HCI Group's Combined Ratio % too high?
HCI Group's current Combined Ratio % is 61.50%. Overall, HCI Group has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HCI Group's Combined Ratio % compare to SKWD and STC?
HCI Group's Combined Ratio % of 61.50% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Combined Ratio % for an Insurance company?
A good Combined Ratio % depends on the Insurance industry context. However, Combined Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Combined Ratio % mean?
A high Combined Ratio % can signal that a stock is expensive relative to its fundamentals. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on HCI Group and its competitors. HCI Group's current Combined Ratio % is 61.50%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HCI Group stock overvalued right now?
Based on GuruFocus' analysis, HCI Group (HCI) is currently considered Modestly Undervalued. The stock's GF Value™ is $250.40, compared to a current price of $185.73 — trading 25.8% below its estimated fair value. The current Combined Ratio % is 61.50%. HCI Group's overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Combined Ratio % calculated?
Combined Ratio % is calculated from a company's financial statements. For HCI Group (HCI), the current Combined Ratio % is 61.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is HCI Group (HCI) Overvalued in 2026?
Based on GuruFocus' analysis, HCI Group stock appears to be undervalued.
The current stock price of $185.73 is trading 25.8% below its estimated GF Value™ of $250.40.
GuruFocus considers HCI Group to be Modestly Undervalued.
Key valuation signals for HCI:
Combined Ratio %: 61.50%
GF Value™: $250.40 vs. price of $185.73 (25.8% below fair value)
No single metric tells the full story. See the HCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 insurance operations, TypTap Group, reciprocal exchange operations, real estate operations, and corporate and other. It derives key revenue from the HCPCI Insurance operation segment.
82GF Score
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