HCI Group Inc (HCI)

Official site

FINANCIAL SERVICES • INSURANCE - PROPERTY & CASUALTY • NYSE

$185.65

-6.38 (-3.32%)

Market Cap: $2.39B

Last updated: Nov 06, 2026 at 4:21 PM ET

Earnings

Performance (10Y)

Beat Rate

78%(31/40)

Avg Surprise

+26.05%

Streak

8 Q

Upcoming Estimates

Period ending Dec 31, 2026

EPS Consensus$7.63

Range$6.03 - $9.74

3 analysts

Revenue Consensus

$258M

Range$241M - $268M

3 analysts

Last 12 of 40 reported quarters and 1 upcoming estimate

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$7.63	$6.03 - $9.74	-	-	3	-	-
Sep 30, 2026Sep 26 Reported Nov 4, 2026Reported Nov 4	$6.45	$5.01	$4.27 - $5.75	+28.74%	Beat	2	2 0 30d	+31.6%
Jun 30, 2026Jun 26 Reported Aug 6, 2026Reported Aug 6	$5.60	$4.97	$4.92 - $5.02	+12.68%	Beat	2	0 1 30d	+8.1%
Mar 31, 2026Mar 26 Reported May 6, 2026Reported May 6	$5.45	$4.94	$4.92 - $4.96	+10.32%	Beat	2	1 0 30d	+1.9%
Dec 31, 2025Dec 25 Reported Feb 25, 2026Reported Feb 25	$7.25	$4.91	$4.12 - $5.58	+47.66%	Beat	4	1 0 30d	+2238.7%
Sep 30, 2025Sep 25 Reported Nov 6, 2025Reported Nov 6	$4.90	$2.81	$1.25 - $4.48	+74.38%	Beat	5	No revisions (30d)	+942.6%
Jun 30, 2025Jun 25 Reported Aug 7, 2025Reported Aug 7	$5.18	$4.47	$4.23 - $4.80	+15.88%	Beat	4	1 0 30d	+23.0%
Mar 31, 2025Mar 25 Reported May 8, 2025Reported May 8	$5.35	$4.56	$4.28 - $4.75	+17.32%	Beat	4	1 0 30d	+46.6%
Dec 31, 2024Dec 24 Reported Feb 27, 2025Reported Feb 27	$0.31	N/A	-	+112.86%	Beat	3	No revisions (30d)	-90.4%
Sep 30, 2024Sep 24 Reported Nov 7, 2024Reported Nov 7	$0.47	$0.58	$-0.25 - $0.72	-18.97%	Miss	6	No revisions (30d)	-66.7%
Jun 30, 2024Jun 24 Reported Aug 8, 2024Reported Aug 8	$4.21	$3.54	$3.04 - $3.91	+18.93%	Beat	6	No revisions (30d)	+245.1%
Mar 31, 2024Mar 24 Reported May 8, 2024Reported May 8	$3.65	$2.82	$2.19 - $3.13	+29.43%	Beat	6	No revisions (30d)	+143.3%
Dec 31, 2023Dec 23 Reported Mar 7, 2024Reported Mar 7	$3.22	$1.41	$0.61 - $2.09	+128.37%	Beat	6	1 0 30d	+5266.7%

Dividends

Next ex-dividend: Nov 20, 2026

Dividend Metrics

Forward Yield0.86%

Forward Annual Dividend$1.60

Payout Ratio5.49%

FrequencyQuarterly

Pay MonthsMar, Jun, Sep, Dec

Growth

3Y CAGR+0.00%

5Y CAGR+0.00%

HCI dividend history and ex-dividend dates Run HCI in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	7.50	EV/EBITDA	3.30x
Price/FCF	5.04x	FCF Yield	19.84%
Profitability
Profit Margin	32.60%	Operating Margin	45.40%
ROE	35.00%	ROIC	30.47%
Financial Health
Debt/Equity	0.06x	Interest Coverage	-110.53x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.93	Avg Volume	184.25K
52-Week High	$208.80	52-Week Low	$144.06

Technical Indicators Dashboard

Moving Averages

SMA 10$197.77

SMA 20$199.20

SMA 50$190.28

SMA 200$170.92

EMA 10$196.46

EMA 20$196.25

EMA 50$191.38

EMA 200$177.53

MACD

Line: 1.42Signal: 3.25Hist: -1.84

ADX

ADX: 21.2+DI: 17.2-DI: 28.1

Aroon & PSAR

Aroon Up96.0

Aroon DownN/A

PSAR$208.80

Bollinger Bands

Upper Band$208.91

Lower Band$189.50

%B Position974%(Upper)

Band Width-0.20

RSI (14-Day)

Neutral

37.8

Momentum Oscillators

Stoch %K27.2

Stoch %D41.9

Williams %R-93.3

ROC (10d)-9.0%

Momentum-18.41

CCI (20d)-254.8

MFI (14d)40.7

Volatility Measures

ATR (14d)$6.27(3.4%)

StdDev (20d)4.85

Hist Vol31.2%(Moderate)

Volume Flow

VWAP$186.92

OBV-1.9M

AD Line-23.3M

CMF (20d)-0.101

Volume Metrics

Avg Vol (20d)186.1K

Vol Ratio0.9x

VWMA (20d)$198.92

Pivot Points

R3$224.46

R2$216.63

R1$204.33

Pivot Point$196.50

S1$184.20

S2$176.37

S3$164.07

Advanced Oscillators

TSI8.83

Ultimate Osc37.5

KST62.64

Financial Data

Quarter	Sep 2026	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023
Total Revenue	$244.91M	$246.65M	$242.88M	$250.65M	$216.35M	$221.92M	$216.43M	$165.02M	$175.32M	$206.25M	$203.47M	$165.34M
Cost of Revenue	N/A	N/A	$65.60M	$51.93M	$97.81M	$95.01M	$86.58M	$138.43M	$131.84M	$101.78M	$102.06M	$88.11M
Gross Profit	N/A	N/A	$177.28M	$194.32M	$118.60M	$126.94M	$130.48M	$23.01M	$43.40M	$104.58M	$104.36M	$74.54M

Operating Expenses	$128.62M	$135.68M	$127.50M	$106.65M	$125.75M	$127.53M	$116.09M	$159.13M	$161.24M	$130.22M	$126.03M	$111.18M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	N/A	$115.38M	$144.00M	$90.60M	$94.39M	$100.34M	$5.89M	$14.08M	$76.03M	$77.43M	$54.16M

Interest Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest Expense	$0	$0	$0	$-4,403,000	$0	$0	$0	$-3,149,000	$0	$0	$3.15M	$-2,667,000
Income Before Tax	$116.29M	$110.97M	$115.38M	$144.00M	$90.60M	$94.39M	$100.34M	$5.89M	$14.08M	$76.03M	$77.43M	$54.16M
Income Tax Expense	$30.07M	$28.07M	$30.34M	$36.00M	$22.71M	$24.11M	$26.11M	$1.76M	$4.69M	$18.93M	$20.47M	$13.25M

Net Income	$86.23M	$82.90M	$85.04M	$108.00M	$67.89M	$70.28M	$74.23M	$4.13M	$9.39M	$57.10M	$56.96M	$40.91M

EBITDA	$117.74M	$112.62M	$117.53M	$145.80M	$92.39M	$97.41M	$102.49M	$6.40M	$16.94M	$74.69M	$76.28M	$54.98M
EBIT	$116.29M	$110.97M	$115.38M	$144.00M	$90.60M	$94.39M	$100.34M	$5.89M	$14.08M	$76.03M	$77.43M	$54.16M

* Some calculated fields are derived from available data when not provided by source

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News

HCI reports 5% increase in gross premiums earned for Q3’26

HCI Group, Inc. reported a 5% increase in gross premiums earned for Q3 2026, reaching $316 million, driven by a higher volume of insurance policies. The company also saw pre-tax income rise to $116 million and net...

Reinsurance News•Nov 6, 2026 3:31 AM ET11/6/26•Neutral

Form 10-Q HCI Group, Inc. For: Sep 30

HCI Group, Inc. has filed its Form 10-Q for the period ending September 30. This financial report was officially filed on November 5, 2026, and is available for serious traders to review...

StreetInsider•Nov 5, 2026 4:42 PM ET11/5/26•Neutral

HCI Group Q3 Pretax Income Hits $116 Million

HCI Group Inc. reported a strong third quarter in 2026, achieving $116 million in pre-tax income and diluted EPS of $6.45...

TradingKey•Nov 5, 2026 5:57 AM ET11/5/26•Bullish

Citizens raises HCI Group stock price target to $280 on Q3 beat

Citizens has increased its price target for HCI Group (NYSE:HCI) stock to $280 from $265, maintaining a Market Outperform rating after the company's Q3 2026 results surpassed expectations. The new target reflects strong...

Investing.com Canada•Nov 5, 2026 4:42 AM ET11/5/26•Bullish

HCI Group Q3FY26 Results: Net income up 27% YoY on investment gains

HCI Group reported a 27% year-over-year increase in net income for Q3 FY26, reaching over $116 million, primarily driven by a 20% rise in investment income and lower reinsurance expenses. Diluted EPS grew to $6.45 from...

scanx.trade•Nov 4, 2026 10:57 PM ET11/4/26•Bullish

HCI Valuation and Fair Value

P/E: 7.5x
Forward P/E: 10.2x
EV/EBITDA: 3.3x
P/FCF: 5.0x
PEG: 1.0x
P/B: 2.1x

See GNG's fair value

HCI Profitability: Margins, ROIC and FCF

Operating margin: 45.4%
Net margin: 32.6%
ROIC: 30.5%
ROE: 35.0%
FCF margin: 46.5%
FCF yield: 19.8%

HCI Competitors

Company	Ticker
Hyperliquid Strategies Inc Common Stock	PURR
First Busey Corp	BUSE
Brighthouse Financial, Inc.	BHF
Zions Bancorporation, National Association	ZIONP
Stock Yards Bancorp Inc	SYBT
WaFd, Inc.	WAFDP
Banner Corporation	BANR
MARA Holdings, Inc.	MARA

Sector: Financial Services

HCI Analyst Ratings

Consensus: Buy
Analysts: 5
Strong Buy: 1
Buy: 3
Hold: 1
Sell: 0
Strong Sell: 0

HCI Bull Case vs Bear Case

Bull case

HCI earns a 30.5% return on invested capital.
HCI converts 46.5% of revenue into free cash flow.
HCI has a 32.6% net profit margin.

HCI Earnings: Beat Rate and Next Report

Beat rate: 8 of 8 quarters (100.0%)
Average surprise: 40.0%
EPS estimate (fiscal period ending Dec 31, 2026): $7.63

HCI Dividend

Forward yield: 0.9%
Payout ratio: 5.5%
3Y DPS growth: 0.0%
5Y DPS growth: 0.0%
Pay months: Mar, Jun, Sep, Dec

HCI dividend history

HCI Earnings Date

HCI reports Feb 23, 2027. The date is estimated.

HCI Earnings Call

The latest HCI earnings call transcript on file is labeled 2026Q3.

Read the 2026Q3 transcript

HCI ETF Holders

GNG tracks 8 ETFs that hold HCI. The largest weights:

First Trust Small Cap Growth AlphaDEX Fund (FYC), 0.60% of the fund
Avantis U.S. Small Cap Value ETF (AVUV), 0.24% of the fund
iShares Core S&P Small-Cap ETF (IJR), 0.12% of the fund
Royce Value Trust Inc (RVT), 0.07% of the fund
Vanguard Russell 2000 Index Fund ETF Shares (VTWO), 0.06% of the fund

Open the ETF Stock Exposure tool for HCI

See insider activity

Frequently Asked Questions About HCI

When is HCI's next ex-dividend date?

HCI's next ex-dividend date is Nov 20, 2026, for a declared dividend of $0.4 per share (record date Nov 20, 2026, payable Dec 18, 2026).

When does HCI report earnings?

HCI Group Inc (HCI) is expected to report earnings on Feb 23, 2027.

What is HCI's current dividend yield?

HCI Group Inc (HCI) has a forward dividend yield of 0.86%.

Does HCI pay dividends?

Yes, HCI Group Inc pays dividends with a forward dividend yield of 0.86%.

What is HCI's P/E ratio?

HCI Group Inc has a price-to-earnings (P/E) ratio of 7.50.

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