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HCI GroupHCI -3.85%77 Earnings Yield (Joel Greenblatt) % is 39.68% as of Mar. 2026, which is 211% above its 10-year median of 12.76. GuruFocus rates HCI with a GF Score™ of 77/100 and a GF Value™ of $253.40 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 511 Insurance companies, HCI Group ranks better than 93.15% on this metric.
HCI Group's Enterprise Value for the quarter that ended in Mar. 2026 was $1,136.9 Mil.
HCI Group's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was $451.1 Mil. HCI Group's Earnings Yield (Joel Greenblatt) for the quarter that ended in Mar. 2026 was 39.68%.
The historical rank and industry rank for HCI Group's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
HCI'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -32.51 Med: 12.76 Max: 53.44
Current: 32.79
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of HCI Group was 53.44%. The lowest was -32.51%. And the median was 12.76%.
HCI's Earnings Yield (Joel Greenblatt) % is ranked better than 93.15% of 511
companies
in the Insurance industry
Industry Median: 7.13
vs HCI: 32.79
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. HCI Group's Forward Rate of Return (Yacktman) % for the quarter that ended in Mar. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
HCI Group (NYSE:HCI) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
HCI Group Earnings Yield (Joel Greenblatt) % Related Terms
HCI Group Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for HCI Group's Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % Chart
For the Insurance - Property & Casualty subindustry, HCI Group's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Insurance Industry
For the Insurance industry and Financial Services sector, HCI Group's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where HCI Group's Earnings Yield (Joel Greenblatt) % falls into.
HCI Group Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
HCI Groups Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
HCI Group's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $451.1 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 39.68% mean?
HCI Group (HCI) has a Earnings Yield (Joel Greenblatt) % of 39.68% as of Mar. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on HCI Group and its competitors. This is 211% above median its historical median of 12.76. According to the industry distribution chart, HCI Group ranks #35 out of 511 companies in the Insurance industry, placing it in the top 6.8%.
Is HCI Group's Earnings Yield (Joel Greenblatt) % too high?
HCI Group's current Earnings Yield (Joel Greenblatt) % of 39.68% is 211% above median its 10-year median of 12.76. The Insurance industry median Earnings Yield (Joel Greenblatt) % is 7.13. HCI Group's value of 39.68% is 456.5% above this industry median. Based on the distribution chart, HCI Group ranks #35 out of 511 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, HCI Group has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HCI Group's Earnings Yield (Joel Greenblatt) % compare to SLDE and SKWD?
According to the Insurance industry distribution chart, HCI Group ranks #35 out of 511 companies for Earnings Yield (Joel Greenblatt) %. This places HCI Group in the top 7% of its industry — outperforming the majority of peers. The industry median Earnings Yield (Joel Greenblatt) % is 7.13. HCI Group's value of 39.68% is 456.5% above this benchmark. While the company's 10-year median is 12.76 vs. the industry median of 7.13, HCI Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings Yield (Joel Greenblatt) % for an Insurance company?
The median Earnings Yield (Joel Greenblatt) % among Insurance companies is 7.13, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HCI Group's current Earnings Yield (Joel Greenblatt) % of 39.68% is 456.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on HCI Group and its competitors. For the Insurance industry, the median Earnings Yield (Joel Greenblatt) % is 7.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HCI Group's current Earnings Yield (Joel Greenblatt) % is 39.68%, which is 211% above median its own 10-year median of 12.76. 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 Significantly Undervalued. The stock's GF Value™ is $253.40, compared to a current price of $175.01 — trading 30.9% below its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 39.68%, which is 211% above median its 10-year median of 12.76 and 456.5% above the Insurance industry median of 7.13. HCI Group's overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For HCI Group (HCI), the current Earnings Yield (Joel Greenblatt) % is 39.68% 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 $175.01 is trading 30.9% below its estimated GF Value™ of $253.40.
GuruFocus considers HCI Group to be Significantly Undervalued.
Key valuation signals for HCI:
Earnings Yield (Joel Greenblatt) %: 39.68% (211% above median its 10-year median of 12.76)
GF Value™: $253.40 vs. price of $175.01 (30.9% below fair value)
Industry Position: 456.5% above the Insurance median (#35 of 511)
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.
77GF Score
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