HCI (HCI Group) Shiller PE Ratio: (As of Sep. 22, 2026)

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HCI HCI Group Inc HCI
82 GF Score
Price $184.19
GF Value $243.66
Valuation Modestly Undervalued
! 3 Warning Signs
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What is HCI Group Shiller PE Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


HCI Group  (NYSE:HCI) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


HCI Group Shiller PE Ratio Related Terms


HCI Group Shiller PE Ratio Historical Data

* Premium members only.

The historical data trend for HCI Group's Shiller PE 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 Group Shiller PE Ratio Chart

HCI Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.97 13.86 29.39 36.10 40.11

HCI Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Shiller PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 41.91 47.39 41.47 29.89 30.78

HCI vs SKWD, STC, HMN: Shiller PE Ratio Comparison

For the Insurance - Property & Casualty subindustry, HCI Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, HCI Group's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where HCI Group's Shiller PE Ratio falls into.


HCI
82GF Score
HCI Group Inc HCI
Shiller PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

HCI Group Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

HCI Group's E10 for the quarter that ended in Jun. 2026 is calculated as:

For example, HCI Group's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=5.6041/333.9520*333.9520
=5.604

Current CPI (Jun. 2026) = 333.9520.

HCI Group Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201609 1.101 241.428 1.523
201612 0.437 241.432 0.604
201703 1.150 243.801 1.575
201706 0.931 244.955 1.269
201709 -4.438 246.819 -6.005
201712 1.142 246.524 1.547
201803 1.111 249.554 1.487
201806 0.917 251.989 1.215
201809 0.998 252.439 1.320
201812 -0.992 251.233 -1.318
201903 0.816 254.202 1.072
201906 0.900 256.143 1.173
201909 0.733 256.759 0.954
201912 0.822 256.974 1.069
202003 0.072 258.115 0.094
202006 1.076 257.797 1.394
202009 1.698 260.280 2.178
202012 0.346 260.474 0.444
202103 0.749 264.877 0.945
202106 0.241 271.696 0.296
202109 -0.718 274.310 -0.874
202112 0.005 278.802 0.006
202203 0.087 287.504 0.101
202206 -1.036 296.311 -1.167
202209 -5.657 296.808 -6.365
202212 0.178 296.797 0.200
202303 1.537 301.836 1.701
202306 1.276 305.109 1.397
202309 1.337 307.789 1.451
202312 3.394 306.746 3.695
202403 3.807 312.332 4.070
202406 4.236 314.175 4.502
202409 0.519 315.301 0.549
202412 0.232 315.605 0.246
202503 5.354 319.799 5.591
202506 5.178 322.561 5.361
202509 4.901 324.800 5.040
202512 7.254 324.054 7.475
202603 5.446 330.213 5.508
202606 5.604 333.952 5.604

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is HCI Group (HCI) Overvalued in 2026?

Based on GuruFocus' analysis, HCI Group stock appears to be undervalued. The current stock price of $184.19 is trading 24.4% below its estimated GF Value™ of $243.66. GuruFocus considers HCI Group to be Modestly Undervalued.

Key valuation signals for HCI:

  • Shiller PE Ratio:
  • GF Value™: $243.66 vs. price of $184.19 (24.4% below fair value)
  • GF Score™: 82/100 with 3 warning signs

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 Business Description

Other Exchanges 0J22:UK0H5:Germany
Address 3802 Coconut Palm Drive, Tampa, FL, USA, 33619
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.
82GF Score

Get the complete analysis for HCI

Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$184.19
Price
$243.66
GF Value