HCI GroupHCI -0.29%69 FCF Margin % is 61.05% as of Mar. 2026, which is 150% above its 10-year median of 24.43. GuruFocus rates HCI with a GF Score™ of 69/100 and a GF Value™ of $248.48 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, HCI Group ranks better than 92.61% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. HCI Group's Free Cash Flow for the
three
months ended in Mar. 2026 was $148.5 Mil. HCI Group's Revenue for the
three
months ended in Mar. 2026 was $243.2 Mil. Therefore, HCI Group's FCF Margin % for the quarter that ended in Mar. 2026 was 61.05%.
The historical rank and industry rank for HCI Group's FCF Margin % or its related term are showing as below:
HCI'
s FCF Margin % Range Over the Past 10 Years
Min: -2.06 Med: 24.43 Max: 48.88
Current: 46.23
During the past 13 years, the highest FCF Margin % of HCI Group was 48.88%. The lowest was -2.06%. And the median was 24.43%.
HCI's FCF Margin % is ranked better than 92.61% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs HCI: 46.23
HCI Group FCF Margin % Related Terms
HCI Group FCF Margin % Historical Data
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The historical data trend for HCI Group's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, HCI Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where HCI Group's FCF Margin % falls into.
* 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 FCF Margin % of 61.05% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on HCI Group and its competitors. This is 150% above median its historical median of 24.43. According to the industry distribution chart, HCI Group ranks #37 out of 501 companies in the Insurance industry, placing it in the top 7.4%.
Is HCI Group's FCF Margin % too high?
HCI Group's current FCF Margin % of 61.05% is 150% above median its 10-year median of 24.43. The Insurance industry median FCF Margin % is 9.60. HCI Group's value of 61.05% is 535.9% above this industry median. Based on the distribution chart, HCI Group ranks #37 out of 501 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 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HCI Group's FCF Margin % compare to STC and SLDE?
According to the Insurance industry distribution chart, HCI Group ranks #37 out of 501 companies for FCF Margin %. This places HCI Group in the top 7% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.60. HCI Group's value of 61.05% is 535.9% above this benchmark. While the company's 10-year median is 24.43 vs. the industry median of 9.60, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HCI Group's current FCF Margin % of 61.05% is 535.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on HCI Group and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HCI Group's current FCF Margin % is 61.05%, which is 150% above median its own 10-year median of 24.43. 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 $248.48, compared to a current price of $174.47 — trading 29.8% below its estimated fair value. The current FCF Margin % is 61.05%, which is 150% above median its 10-year median of 24.43 and 535.9% above the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For HCI Group (HCI), the current FCF Margin % is 61.05% 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 $174.47 is trading 29.8% below its estimated GF Value™ of $248.48.
GuruFocus considers HCI Group to be Significantly Undervalued.
Key valuation signals for HCI:
FCF Margin %: 61.05% (150% above median its 10-year median of 24.43)
GF Value™: $248.48 vs. price of $174.47 (29.8% below fair value)
Industry Position: 535.9% above the Insurance median (#37 of 501)
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.
69GF Score
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