3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
HCI Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was -163.01%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for HCI Group's 3-Year ROIIC % or its related term are showing as below:
HCI's 3-Year ROIIC % is ranked worse than 98.51% of 335
companies
in the Insurance industry
Industry Median: 5.2
vs HCI: -163.01
HCI Group (NYSE:HCI) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
HCI Group 3-Year ROIIC % Related Terms
HCI Group 3-Year ROIIC % Historical Data
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The historical data trend for HCI Group's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, HCI Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where HCI Group's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
HCI Group (HCI) has a 3-Year ROIIC % of -163.01 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on HCI Group and its competitors. According to the industry distribution chart, HCI Group ranks #330 out of 335 companies in the Insurance industry, placing it in the top 98.5%.
Is HCI Group's 3-Year ROIIC % too high?
HCI Group's current 3-Year ROIIC % is -163.01. Based on the distribution chart, HCI Group ranks #330 out of 335 companies in the Insurance industry, which is in the bottom quartile 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 3-Year ROIIC % compare to SKWD and SLDE?
According to the Insurance industry distribution chart, HCI Group ranks #330 out of 335 companies for 3-Year ROIIC %. This places HCI Group in the lower half of its industry. The industry median 3-Year ROIIC % is 5.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on HCI Group and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HCI Group's current 3-Year ROIIC % is -163.01. 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 3-Year ROIIC % is -163.01. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For HCI Group (HCI), the current 3-Year ROIIC % is -163.01 as of Dec. 2025. 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:
3-Year ROIIC %: -163.01
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
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