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Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It indicates the efficiency of the insurance company before considering its claims and investment gains or losses.
The historical rank and industry rank for HCI Group's Expense Ratio % or its related term are showing as below:
FRA:0H5's Expense Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Expense Ratio % only.
Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It can be used to make comparisons between insurance companies as well as measure their performance. An expense ratio below 100% suggests that the premiums an insurance company earned or wrote are more than the expenses it paid to support those premiums.
However, we should keep in mind that the ratio does not indicate an ending profitability. The overall profit is also influenced by the claims, investment gains or losses and other income. The ratio can be combined with Claims Ratio % and Combined Ratio % to get an overall performance of an insurance company.
HCI Group Expense Ratio % Related Terms
HCI Group Expense Ratio % Historical Data
* Premium members only.
The historical data trend for HCI Group's Expense 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.
Expenses of Acquiring, Underwriting and Servicing Premiums
/
Net Premium Earned
*
100%
* 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 Expense Ratio % of 0.00% mean?
HCI Group (FRA:0H5) has a Expense Ratio % of 0.00% as of . 20. Expense Ratio is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. View historical data on HCI Group and its competitors.
Is HCI Group's Expense Ratio % too high?
HCI Group's current Expense Ratio % is 0.00%. Overall, HCI Group has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HCI Group's Expense Ratio % compare to SKWD and STC?
HCI Group's Expense Ratio % of 0.00% 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 Expense Ratio % for an Insurance company?
A good Expense Ratio % depends on the Insurance industry context. However, Expense 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 Expense Ratio % mean?
A high Expense Ratio % can signal that a stock is expensive relative to its fundamentals. Expense Ratio is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. View historical data on HCI Group and its competitors. HCI Group's current Expense Ratio % is 0.00%. 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 (FRA:0H5) is currently considered Modestly Undervalued. The stock's GF Value™ is €222.84, compared to a current price of €159.00 — trading 28.6% below its estimated fair value. The current Expense Ratio % is 0.00%. HCI Group's overall GF Score™ is 85/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Expense Ratio % calculated?
Expense Ratio % is calculated from a company's financial statements. For HCI Group (FRA:0H5), the current Expense Ratio % is 0.00% as of . 20. 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 (FRA:0H5) Overvalued in 2026?
Based on GuruFocus' analysis, HCI Group stock appears to be undervalued.
The current stock price of €159.00 is trading 28.6% below its estimated GF Value™ of €222.84.
GuruFocus considers HCI Group to be Modestly Undervalued.
Key valuation signals for FRA:0H5:
Expense Ratio %: 0.00%
GF Value™: €222.84 vs. price of €159.00 (28.6% below fair value)
No single metric tells the full story. See the FRA:0H5 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.
85GF Score
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