HCI Group, Inc. (HCI) Stock Price & Analysis
HCI Group, Inc. (HCI) closed at USD 204.06 on Friday, October 23, 2026, down 1.27% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 206.68; the Oct 23, 2026 session ranged USD 202.45–207.39 on volume of 176,037 shares. Market capitalization is $2.54B, with a 52-week range of USD 144.75–208.8 (NYQ). Source: Nexqual, retrieved October 24, 2026 at 14:23 UTC.
Also available as compact Markdown for AI agents: nexqual.com/HCI.md
Key facts (HCI)
- Last four reported quarters (through Jun 30, 2026): revenue $952M, net income $321M (33.7% margin), free cash flow $409M (SEC filings).
- Valuation: P/E 7.9x (avg 11.3x at the last 3 fiscal year-ends), net cash $841M.
- Analysts: Buy (mean 2.00 on a 1–5 scale) (5 analysts), mean target USD 241.67 (range 225–265).
- Total return with dividends: 1Y -0.2% vs S&P 500 +13.4%; 5Y +67.1% vs S&P 500 +76.9%.
- Next earnings: 2026-11-04, EPS estimate USD 4.06, revenue estimate $253M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (HCI)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $408M | $500M | $551M | $750M | $901M | $952M |
| Net income | $1.9M | -$58.5M | $79.0M | $110M | $299M | $321M |
| EPS (diluted) | $0.21 | -$6.24 | $7.62 | $8.89 | $22.72 | — |
| Free cash flow | $93.2M | -$6.4M | $224M | $328M | $441M | $409M |
| Net margin | 0.5% | -11.7% | 14.4% | 14.7% | 33.2% | 33.7% |
| Revenue growth | +31.4% | +22.5% | +10.2% | +36.2% | +20.1% | — |
| Cash + short-term investments | $629M | $235M | $536M | $532M | $1.21B | — |
| Total debt | $45.5M | $212M | $208M | $185M | $31.9M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (HCI)
P/E 7.9x · P/S 2.7x · EV/Sales 1.8x · P/FCF 6.2x · P/B 2.4x · FCF yield 16.13% · Earnings yield 12.63% · Dividend yield (paid, TTM) 0.81% · Buyback yield (TTM) 2.99% · Net cash $841M · EV $1.70B
P/E at fiscal year-ends: Dec 2025 8.3x, Dec 2024 13.4x, Dec 2023 12.2x.
Analysts (HCI)
Consensus Buy (mean 2.00 on a 1–5 scale), 5 analysts; mean target USD 241.67 (low 225, high 265).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-08-07 | Citizens | Target raised | Market Outperform | $255 → $265 |
| 2026-07-09 | Cantor Fitzgerald | Initiated | Overweight | $225 |
Total return (dividends reinvested) (HCI)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | -0.2% | +67.1% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | -0.2% | +10.8% |
| Volatility (annualized) | 29.2% | 43.4% |
| Max drawdown | -27.5% (Oct 2025→May 2026) | -77.8% (Nov 2021→Oct 2022) |
HCI revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Insurance Operation | $216.7M | 87.9% | +5.3% |
| Exzeo Group Inc | $60.8M | 24.6% | +6.9% |
| Reciprocal Exchange Operation | $25.4M | 10.3% | +83.3% |
| Corporate & Other | $7.5M | 3.1% | +61.1% |
| Real Estate Operations | $4.6M | 1.9% | +30.7% |
| Total revenue | $246.7M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
HCI analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $4.06 | $2.59 | +56.8% | $253.2M | 2 |
| Next quarter (ends Dec 2026) | $5.54 | $4.88 | +13.6% | $250.9M | 2 |
| Current fiscal year (ends Dec 2026) | $21.76 | $18.45 | +17.9% | $997.1M | 3 |
| Next fiscal year (ends Dec 2027) | $20.60 | $18.79 | +9.6% | $1.07B | 3 |
Key Statistics (as of October 24, 2026 at 14:23 UTC)
| Price | USD 204.06 |
|---|---|
| Change | ▼ 1.27% (down) |
| Previous Close | USD 206.68 |
| Open | USD 205.47 |
| Day Range | USD 202.45 – 207.39 |
| 52-Week Range | USD 144.75 – 208.8 |
| Volume | 176,037 shares |
| Market Cap | $2.54B |
| Exchange | NYQ |
Technical Analysis (HCI)
Nexqual's technical model rates HCI "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 24, 2026 at 14:23 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 68.09 (neutral) |
| vs SMA50 | Above (USD 187.62) |
| MACD | 5.66 (positive) |
Analyst Ratings (HCI)
Wall Street analysts rate HCI "Buy" based on 5 analysts, with a mean price target of USD 241.67 (range USD 225–265), per Nexqual as of October 24, 2026 at 14:23 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 241.67 |
| High Target | USD 265 |
| Low Target | USD 225 |
| Buy / Hold / Sell | 4 / 1 / 0 |
Earnings (HCI)
| Next Earnings Date | 2026-11-04 |
|---|---|
| EPS Estimate | USD 4.58 |
| Revenue Estimate | $253.16M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 5.6 vs est 5.13 ▲ beat |
| 2026-03-31 | USD 5.45 vs est 4.94 ▲ beat |
| 2025-12-31 | USD 7.25 vs est 4.58 ▲ beat |
| 2025-09-30 | USD 4.9 vs est 2.38 ▲ beat |
Source: Nexqual, October 24, 2026 at 14:23 UTC.
Financials & Fundamentals (HCI)
| Total Revenue | $952.13M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.10% |
| Gross Margin | +59.73% |
| Operating Margin | +45.43% |
| Profit Margin | +32.60% |
| ROE | +34.97% |
| Debt / Equity | 0.06 |
| Current Ratio | 0.87 |
| Total Cash | $872.34M |
| Total Debt | $67.47M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $409.37M (43.0% of revenue) |
Source: Nexqual, October 24, 2026 at 14:23 UTC.
Financial Health Score (HCI)
Nexqual rates HCI Group, Inc.'s overall financial health "Strong" across five dimensions, as of October 24, 2026 at 14:23 UTC.
| Growth | Strong — Revenue +20% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 60%, operating 45% (last 12 months) |
| Balance Sheet | Solid — $872M cash and investments vs $31M debt (Jun 2026, SEC), net cash |
| Cash Flow | Strong — FCF $409M (last 4 quarters to Jun 2026, SEC), 43% margin |
| Efficiency | Strong — ROE 35%, ROA 11.6% |
Ownership (HCI)
| Insider Ownership | +14.66% |
|---|---|
| Institutional Ownership | +77.65% |
| Shares Outstanding | 12.44M |
| Float | 9.91M |
| Short % of Float | +4.70% |
Source: Nexqual, October 24, 2026 at 14:23 UTC.
Leadership (HCI)
HCI Group, Inc. is led by Pareshbhai Suryakant Patel, Founder, Chairman, President & CEO, per Nexqual as of October 24, 2026 at 14:23 UTC.
| Founder, Chairman, President & CEO | Pareshbhai Suryakant Patel |
|---|---|
| Co-Founder & Lead Independent Director | Gregory Politis |
| Chief Financial Officer | James Mark Harmsworth |
| COO & Director | Karin Sue Coleman |
| President of Greenleaf Capital LLC & Real Estate Division and Director | Anthony Saravanos |
Major Backers & Investors (HCI)
Notable institutional backers of HCI Group, Inc. include Khrom Capital Management LLC, American Century Companies Inc, Fidelity, according to Nexqual as of October 24, 2026 at 14:23 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Khrom Capital Management LLC | 5.55% |
| American Century Companies Inc | 3.34% |
| Fidelity | 2.41% |
| Qube Research & Technologies Ltd | 1.94% |
| Arrowstreet Capital, Limited Partnership | 1.9% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 14.82% |
| Vanguard Group | 6.06% |
| State Street | 3.41% |
| Dimensional Fund Advisors | 3.29% |
| Geode Capital | 2.4% |
Source: Nexqual, October 24, 2026 at 14:23 UTC.
From HCI Group, Inc.'s Latest SEC 10-K Filing (filed 2026-02-26)
Key Strengths & Strategy (as disclosed to the SEC)
- Exzeo provides turnkey insurance technology and operations solutions to property and casualty insurance carriers and their agents through a proprietary platform of purpose‑built software and data analytics applications ("Exzeo Platform").
- Our success and ability to compete depends in part upon our ability to protect our proprietary technology, to establish and adequately protect our intellectual property rights, and to protect against third-party claims and litigation related to intellectual property.
- Exzeo Group, Inc. (formerly known as TypTap Insurance Group, Inc.) ("Exzeo"), a majority-owned subsidiary, provides turn-key insurance technology and operations solutions based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty insurance ecosystem.
- The Exzeo Platform enables us to deliver technology based solutions that streamline and automate the interaction between carriers, agents, and policyholders.
Partnerships
- Distribution channel – We continue to improve our relationship with independent agents through collaboration and implementation of technologies that facilitate independent agents in finding the right insurance policies for their clients.
Legal & Regulatory Risks (Item 1A, quoted)
- Regulations may vary from state to state, and states occasionally may have conflicting regulations.
- Our insurance subsidiaries are subject to extensive regulation, which may reduce our profitability or limit our growth. Moreover, if we fail to comply with these regulations, we may be subject to penalties, including fines and suspensions, which may adversely affect our financial condition and results of operations.
- The FLOIR and regulators in other jurisdictions where we may become licensed and offer insurance products conduct periodic examinations of the affairs of insurance companies and require the filing of annual and other reports relating to financial condition, holding company issues and other matters.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 14:23 UTC. This page is informational and not investment advice.
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