HCI GroupHCI +2.24%69 Net Debt Paydown Yield % is 7.47% as of Jul. 05, 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. Among 423 Insurance companies, HCI Group ranks better than 94.33% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, HCI Group's Net Debt Paydown Yield % was 7.47%.
HCI Group (NYSE:HCI) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
HCI Group Net Debt Paydown Yield % Historical Data
* Premium members only.
The historical data trend for HCI Group's Net Debt Paydown Yield % 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 vs SKWD, SLDE, STC: Net Debt Paydown Yield % Comparison
For the Insurance - Property & Casualty subindustry, HCI Group's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, HCI Group's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where HCI Group's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 7.47% mean?
HCI Group (HCI) has a Net Debt Paydown Yield % of 7.47% as of Jul. 05, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on HCI Group and its competitors. According to the industry distribution chart, HCI Group ranks #24 out of 423 companies in the Insurance industry, placing it in the top 5.7%.
Is HCI Group's Net Debt Paydown Yield % too high?
HCI Group's current Net Debt Paydown Yield % is 7.47%. Based on the distribution chart, HCI Group ranks #24 out of 423 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HCI Group's Net Debt Paydown Yield % compare to SKWD and SLDE?
According to the Insurance industry distribution chart, HCI Group ranks #24 out of 423 companies for Net Debt Paydown Yield %. This places HCI Group in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for an Insurance company?
A good Net Debt Paydown Yield % depends on the Insurance industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on HCI Group and its competitors. HCI Group's current Net Debt Paydown Yield % is 7.47%. 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 Net Debt Paydown Yield % is 7.47%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For HCI Group (HCI), the current Net Debt Paydown Yield % is 7.47% as of Jul. 05, 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:
Net Debt Paydown Yield %: 7.47%
GF Value™: $249.67 vs. price of $182.64 (26.8% below fair value)
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
Get the complete analysis for HCI
Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HCI has been successfully added to your 
