Lumida
/HCI
⌘K
Hci Group Inc

Hci Group Inc

HCI
$185.73USD↓-0.46%-0.86 today

MARKET CAP

2.3B

P/E (TTM)

7.6x

FWD P/E

9.4x

DAY RANGE

$183 – $189

52W RANGE

$145
$211

AI Summary

Stalk
Buy NowHigh

Stage 2 advance confirmed by a Higher Highs & Higher Lows pattern and price holding above rising EMAs. Recent pullback into the 9/20 EMA zone found support at the rising 50 EMA and remains above the 200 EMA, with RSI neutral and muted Options Score. The path of least resistance stays upward, favoring a buy on this pullback into the $182–$185 support zone ahead of the next resistance near recent highs.

  • ↑Q2’26 diluted EPS $5.60 (+8% YoY) and pre-tax income +18% to $110M
  • ↑Reinsurance optimization drives >$10M in quarterly cost savings
  • ↓Low estimated earnings growth (~1.55%) raises expansion concerns
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

HCI Group, Inc. (NYSE: HCI) is a leading provider in the property and casualty insurance sector, particularly focusing on homeowners' insurance and specialty insurance products. The company has a dominant presence in Florida, navigating a complex landscape influenced by regulatory changes, market cycles, and evolving weather patterns. HCI leverages innovative technologies and strategic partnerships, such as their recent collaboration with GEICO, to expand its product offerings and improve operational efficiency.

Bull says

  • ↑Q2’26 diluted EPS $5.60 (+8% YoY) and pre-tax income +18% to $110M
  • ↑Reinsurance optimization drives >$10M in quarterly cost savings
  • ↑CORE residential pivot adds ~$6M of new business per month
  • ↑$80M share repurchase (504K shares) enhances shareholder returns
  • ↑GEICO partnership to accelerate organic policy growth
  • ↑High earnings yield, strong profitability, low leverage and stable volatility

Bear says

  • ↓Low estimated earnings growth (~1.55%) raises expansion concerns
  • ↓Book-to-price below peers suggests valuation risk
  • ↓Negative rate sensitivity heightens profits risk in rising-rate cycle
  • ↓Elevated short interest reflects bearish market sentiment
  • ↓Unproven GEICO tie-up may underdeliver on revenue boost
  • ↓Moderate liquidity may limit capital flexibility in stress

Investment themes with HCI

L&H Insurance↓ -0.09%

PGR · TRV · ALL

Earnings Call · Q4 2023 · Mgmt. Guidance

Updated 08-11-2025bullish

Transcript signals

Bull points

  • Pre-tax income was over $54 million for the quarter and $117 million for the year, reflecting the continuing positive direction we've been discussing for a while now.
  • Growing premiums, higher investment income, better loss trends, and expense management are driving our success, with growth premiums earned 18 percent higher than the same quarter last year, driven by higher average premium per policy and enhanced by the takeouts we've done with citizens.
  • Investment income was about 50 percent higher in the fourth quarter than the same quarter last year, as we are seeing the benefits of careful duration management after holding cash when interest rates were low.
Read full transcript analysis ›