HCI (HCI Group) Scaled Net Operating Assets: 0.08 (As of Mar. 2026)


HCI HCI Group Inc HCI
69 GF Score
Price $180.46
GF Value $248.61
Valuation Modestly Undervalued
! 2 Warning Signs
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What is HCI Group Scaled Net Operating Assets?

HCI Group HCI +4.21% 69 Scaled Net Operating Assets is 0.08 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

HCI Group's operating assets for the quarter that ended in Mar. 2026 was $1,556.5 Mil. HCI Group's operating liabilities for the quarter that ended in Mar. 2026 was $1,365.7 Mil. HCI Group's Total Assets for the quarter that ended in Dec. 2025 was $2,528.9 Mil. Therefore, HCI Group's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.08.

HCI
69GF Score
HCI Group Inc HCI
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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HCI Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

HCI Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1318.802-1346.407)/2230.213
=-0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2528.928 - 1210.126
=1318.802

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1414.284 - 31.877 - 36
=1346.407

HCI Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1556.485-1365.709)/2528.928
=0.08

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2611.081 - 1054.596
=1556.485

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1433.381 - 31.672 - 36
=1365.709

* 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.

What does a Scaled Net Operating Assets of 0.08 mean?
HCI Group (HCI) has a Scaled Net Operating Assets of 0.08 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on HCI Group and its competitors.
Is HCI Group's Scaled Net Operating Assets too high?
HCI Group's current Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets compare to STC and SLDE?
HCI Group's Scaled Net Operating Assets of 0.08 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on HCI Group and its competitors. HCI Group's current Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For HCI Group (HCI), the current Scaled Net Operating Assets is 0.08 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:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: $248.61 vs. price of $180.46 (27.4% below fair value)
  • GF Score™: 69/100 with 2 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.
69GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$180.46
Price
$248.61
GF Value