HCI GroupHCI +4.21%69 Dividend Payout Ratio is 0.07 as of Mar. 2026, which is 84% below its 10-year median of 0.44. GuruFocus rates HCI with a GF Score™ of 69/100 and a GF Value™ of $248.61 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 335 Insurance companies, HCI Group ranks better than 96.72% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. HCI Group's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.07.
The historical rank and industry rank for HCI Group's Dividend Payout Ratio or its related term are showing as below:
HCI'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07 Med: 0.44 Max: 16
Current: 0.07
During the past 13 years, the highest Dividend Payout Ratio of HCI Group was 16.00. The lowest was 0.07. And the median was 0.44.
HCI's Dividend Payout Ratio is ranked better than 96.72% of 335
companies
in the Insurance industry
Industry Median: 0.38
vs HCI: 0.07
During the past 10 years, the average Dividends Per Share Growth Rate was 2.90% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of HCI Group was 111.80% per year. The lowest was 0.00% per year. And the median was 7.10% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
HCI Group (NYSE:HCI) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
HCI Group Dividend Payout Ratio Related Terms
HCI Group Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for HCI Group's Dividend Payout 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.
HCI vs STC, SLDE, HMN: Dividend Payout Ratio Comparison
For the Insurance - Property & Casualty subindustry, HCI Group's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, HCI Group's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where HCI Group's Dividend Payout Ratio falls into.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
HCI Group's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.07 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on HCI Group and its competitors. This is 84% below median its historical median of 0.44. Over the past decade, HCI Group's Dividend Payout Ratio has ranged from 0.07 to 16.00. According to the industry distribution chart, HCI Group ranks #11 out of 335 companies in the Insurance industry, placing it in the top 3.3%.
Is HCI Group's Dividend Payout Ratio too high?
HCI Group's current Dividend Payout Ratio of 0.07 is 84% below median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 16.00. The Insurance industry median Dividend Payout Ratio is 0.38. HCI Group's value of 0.07 is 81.6% below this industry median. Based on the distribution chart, HCI Group ranks #11 out of 335 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 Dividend Payout Ratio compare to STC and SLDE?
According to the Insurance industry distribution chart, HCI Group ranks #11 out of 335 companies for Dividend Payout Ratio. This places HCI Group in the top 3% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.38. HCI Group's value of 0.07 is 81.6% below this benchmark. Historically, HCI Group's own Dividend Payout Ratio has ranged from 0.07 to 16.00 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.38, 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 Dividend Payout Ratio for an Insurance company?
The median Dividend Payout Ratio among Insurance companies is 0.38, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HCI Group's current Dividend Payout Ratio of 0.07 is 81.6% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on HCI Group and its competitors. For the Insurance industry, the median Dividend Payout Ratio is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HCI Group's current Dividend Payout Ratio is 0.07, which is 84% below median its own 10-year median of 0.44. 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 $248.61, compared to a current price of $180.46 — trading 27.4% below its estimated fair value. The current Dividend Payout Ratio is 0.07, which is 84% below median its 10-year median of 0.44 and 81.6% below the Insurance industry median of 0.38. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For HCI Group (HCI), the current Dividend Payout Ratio is 0.07 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 $180.46 is trading 27.4% below its estimated GF Value™ of $248.61.
GuruFocus considers HCI Group to be Modestly Undervalued.
Key valuation signals for HCI:
Dividend Payout Ratio: 0.07 (84% below median its 10-year median of 0.44)
GF Value™: $248.61 vs. price of $180.46 (27.4% below fair value)
Industry Position: 81.6% below the Insurance median (#11 of 335)
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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