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HCI GroupHCI +2.22%83 EV-to-EBIT is 3.16 as of Jul. 24, 2026, which is 43% below its 10-year median of 5.55. GuruFocus rates HCI with a GF Score™ of 83/100 and a GF Value™ of $252.33 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 345 Insurance companies, HCI Group ranks better than 88.41% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
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 adds up the quarterly data reported by the company within the most recent 12 months, which was $451.1 Mil.
* 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 EV-to-EBIT Related Terms
HCI Group EV-to-EBIT Historical Data
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The historical data trend for HCI Group's EV-to-EBIT 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.
For the Insurance - Property & Casualty subindustry, HCI Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, HCI Group's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where HCI Group's EV-to-EBIT falls into.
HCI Group's current Enterprise Value is $1,425.0 Mil.
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.
* 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 (HCI) has a EV-to-EBIT of 3.16 as of Jul. 24, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on HCI Group and its competitors. This is 43% below median its historical median of 5.55. According to the industry distribution chart, HCI Group ranks #40 out of 345 companies in the Insurance industry, placing it in the top 11.6%.
Is HCI Group's EV-to-EBIT too high?
HCI Group's current EV-to-EBIT of 3.16 is 43% below median its 10-year median of 5.55. The Insurance industry median EV-to-EBIT is 8.53. HCI Group's value of 3.16 is 63% below this industry median. Based on the distribution chart, HCI Group ranks #40 out of 345 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 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HCI Group's EV-to-EBIT compare to SKWD and SLDE?
According to the Insurance industry distribution chart, HCI Group ranks #40 out of 345 companies for EV-to-EBIT. This places HCI Group in the top 12% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 8.53. HCI Group's value of 3.16 is 63% below this benchmark. While the company's 10-year median is 5.55 vs. the industry median of 8.53, HCI Group has consistently been below 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.53, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HCI Group's current EV-to-EBIT of 3.16 is 63% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on HCI Group and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HCI Group's current EV-to-EBIT is 3.16, which is 43% below median its own 10-year median of 5.55. 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 $252.33, compared to a current price of $178.83 — trading 29.1% below its estimated fair value. The current EV-to-EBIT is 3.16, which is 43% below median its 10-year median of 5.55 and 63% below the Insurance industry median of 8.53. HCI Group's overall GF Score™ is 83/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For HCI Group (HCI), the current EV-to-EBIT is 3.16 as of Jul. 24, 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 $178.83 is trading 29.1% below its estimated GF Value™ of $252.33.
GuruFocus considers HCI Group to be Modestly Undervalued.
Key valuation signals for HCI:
EV-to-EBIT: 3.16 (43% below median its 10-year median of 5.55)
GF Value™: $252.33 vs. price of $178.83 (29.1% below fair value)
Industry Position: 63% below the Insurance median (#40 of 345)
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.
83GF Score
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