HCI (HCI Group) Cyclically Adjusted FCF per Share: $13.73 (As of Mar. 2026)


HCI HCI Group Inc HCI
69 GF Score
Price $182.64
GF Value $249.67
Valuation Modestly Undervalued
! 2 Warning Signs
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What is HCI Group Cyclically Adjusted FCF per Share?

HCI Group HCI +2.24% 69 Cyclically Adjusted FCF per Share is $13.73 as of Mar. 2026. GuruFocus rates HCI with a GF Score™ of 69/100 and a GF Value™ of $249.67 (Modestly Undervalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

HCI Group's adjusted free cash flow per share for the three months ended in Mar. 2026 was $11.513. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $13.73 for the trailing ten years ended in Mar. 2026.

During the past 12 months, HCI Group's average Cyclically Adjusted FCF Growth Rate was 34.10% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 28.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 13.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of HCI Group was 28.40% per year. The lowest was 2.40% per year. And the median was 8.15% per year.

As of today (2026-07-05), HCI Group's current stock price is $182.64. HCI Group's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $13.73. HCI Group's Cyclically Adjusted Price-to-FCF of today is 13.30.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of HCI Group was 19.08. The lowest was 4.43. And the median was 9.03.


HCI Group  (NYSE:HCI) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

HCI Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=182.64/13.73
=13.30

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of HCI Group was 19.08. The lowest was 4.43. And the median was 9.03.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


HCI Group Cyclically Adjusted FCF per Share Related Terms


HCI Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for HCI Group's Cyclically Adjusted FCF per Share 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 Group Cyclically Adjusted FCF per Share Chart

HCI Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.04 6.01 7.57 9.56 12.73

HCI Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.24 11.23 11.16 12.73 13.73

HCI vs SKWD, SLDE, STC: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Property & Casualty subindustry, HCI Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


HCI Group Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, HCI Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where HCI Group's Cyclically Adjusted Price-to-FCF falls into.


HCI
69GF Score
HCI Group Inc HCI
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

HCI Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, HCI Group's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=11.513/330.2130*330.2130
=11.513

Current CPI (Mar. 2026) = 330.2130.

HCI Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 3.936 241.018 5.393
201609 1.997 241.428 2.731
201612 -0.372 241.432 -0.509
201703 2.130 243.801 2.885
201706 0.523 244.955 0.705
201709 2.283 246.819 3.054
201712 -4.340 246.524 -5.813
201803 -1.266 249.554 -1.675
201806 3.509 251.989 4.598
201809 0.108 252.439 0.141
201812 -0.166 251.233 -0.218
201903 1.284 254.202 1.668
201906 1.751 256.143 2.257
201909 1.115 256.759 1.434
201912 1.563 256.974 2.008
202003 7.461 258.115 9.545
202006 5.120 257.797 6.558
202009 -3.414 260.280 -4.331
202012 -0.075 260.474 -0.095
202103 3.569 264.877 4.449
202106 7.414 271.696 9.011
202109 -6.018 274.310 -7.244
202112 4.689 278.802 5.554
202203 5.292 287.504 6.078
202206 -4.222 296.311 -4.705
202209 -4.876 296.808 -5.425
202212 2.076 296.797 2.310
202303 8.991 301.836 9.836
202306 -8.649 305.109 -9.361
202309 6.120 307.789 6.566
202312 13.264 306.746 14.279
202403 14.348 312.332 15.169
202406 -2.371 314.175 -2.492
202409 9.818 315.301 10.282
202412 5.764 315.605 6.031
202503 12.536 319.799 12.944
202506 11.215 322.561 11.481
202509 2.007 324.800 2.040
202512 8.514 324.054 8.676
202603 11.513 330.213 11.513

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $13.73 mean?
HCI Group (HCI) has a Cyclically Adjusted FCF per Share of $13.73 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on HCI Group and its competitors.
Is HCI Group's Cyclically Adjusted FCF per Share too high?
HCI Group's current Cyclically Adjusted FCF per Share is $13.73. Overall, HCI Group has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HCI Group's Cyclically Adjusted FCF per Share compare to SKWD and SLDE?
HCI Group's Cyclically Adjusted FCF per Share of $13.73 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 Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on HCI Group and its competitors. HCI Group's current Cyclically Adjusted FCF per Share is $13.73. 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 $249.67, compared to a current price of $182.64 — trading 26.8% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $13.73. HCI Group's overall GF Score™ is 69/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For HCI Group (HCI), the current Cyclically Adjusted FCF per Share is $13.73 as of Mar. 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 $182.64 is trading 26.8% below its estimated GF Value™ of $249.67. GuruFocus considers HCI Group to be Modestly Undervalued.

Key valuation signals for HCI:

  • Cyclically Adjusted FCF per Share: $13.73
  • GF Value™: $249.67 vs. price of $182.64 (26.8% below fair value)
  • GF Score™: 69/100 with 2 warning signs

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 Business Description

Other Exchanges 0J22:UK0H5:Germany
Address 3802 Coconut Palm Drive, Tampa, FL, USA, 33619
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.
69GF Score

Get the complete analysis for HCI

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$182.64
Price
$249.67
GF Value