HCI GroupHCI +1.01%72 Return-on-Tangible-Asset is 11.44% as of Mar. 2026, which is 254% above its 10-year median of 3.23. GuruFocus rates HCI with a GF Score™ of 72/100 and a GF Value™ of $250.60 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 507 Insurance companies, HCI Group ranks better than 93.89% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. HCI Group's annualizedNet Income for the quarter that ended in Mar. 2026 was $293.6 Mil. HCI Group's average total tangible assets for the quarter that ended in Mar. 2026 was $2,567.5 Mil. Therefore, HCI Group's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 11.44%.
The historical rank and industry rank for HCI Group's Return-on-Tangible-Asset or its related term are showing as below:
HCI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -3.95 Med: 3.23 Max: 12.59
Current: 12.48
During the past 13 years, HCI Group's highest Return-on-Tangible-Asset was 12.59%. The lowest was -3.95%. And the median was 3.23%.
HCI's Return-on-Tangible-Asset is ranked better than 93.89% of 507
companies
in the Insurance industry
Industry Median: 2.78
vs HCI: 12.48
HCI Group (NYSE:HCI) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
HCI Group Return-on-Tangible-Asset Related Terms
HCI Group Return-on-Tangible-Asset Historical Data
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The historical data trend for HCI Group's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, HCI Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, HCI Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where HCI Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 11.44% mean?
HCI Group (HCI) has a Return-on-Tangible-Asset of 11.44% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on HCI Group and its competitors. This is 254% above median its historical median of 3.23. According to the industry distribution chart, HCI Group ranks #31 out of 507 companies in the Insurance industry, placing it in the top 6.1%.
Is HCI Group's Return-on-Tangible-Asset too high?
HCI Group's current Return-on-Tangible-Asset of 11.44% is 254% above median its 10-year median of 3.23. The Insurance industry median Return-on-Tangible-Asset is 2.78. HCI Group's value of 11.44% is 311.5% above this industry median. Based on the distribution chart, HCI Group ranks #31 out of 507 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 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HCI Group's Return-on-Tangible-Asset compare to SKWD and SLDE?
According to the Insurance industry distribution chart, HCI Group ranks #31 out of 507 companies for Return-on-Tangible-Asset. This places HCI Group in the top 6% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.78. HCI Group's value of 11.44% is 311.5% above this benchmark. While the company's 10-year median is 3.23 vs. the industry median of 2.78, 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.78, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HCI Group's current Return-on-Tangible-Asset of 11.44% is 311.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on HCI Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HCI Group's current Return-on-Tangible-Asset is 11.44%, which is 254% above median its own 10-year median of 3.23. 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 $250.60, compared to a current price of $182.60 — trading 27.1% below its estimated fair value. The current Return-on-Tangible-Asset is 11.44%, which is 254% above median its 10-year median of 3.23 and 311.5% above the Insurance industry median of 2.78. HCI Group's overall GF Score™ is 72/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For HCI Group (HCI), the current Return-on-Tangible-Asset is 11.44% 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 $182.60 is trading 27.1% below its estimated GF Value™ of $250.60.
GuruFocus considers HCI Group to be Modestly Undervalued.
Key valuation signals for HCI:
Return-on-Tangible-Asset: 11.44% (254% above median its 10-year median of 3.23)
GF Value™: $250.60 vs. price of $182.60 (27.1% below fair value)
Industry Position: 311.5% above the Insurance median (#31 of 507)
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.
72GF Score
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