Hci Group, Inc.

  • Earnings Score
  • Moat Score
  • Safety Score
  • Market Cap $1.70M
  • PE 0
  • Debt $188.21M
  • Cash $758.20M
  • EV -$568.30M
  • FCF $307.00M

Earnings

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Sales & Net Margins

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Earnings$126.03M
EBIT$196.34M
ROE23%
ROA9%
FCF$307.00M
Equity$542.83M
Growth Stability-331%
PE0.01
PEG0
PB0
P/FCF0.01
P/S0
Price/Cash446.25
Debt/Equity0.35
Debt/FCF0.61
Net Margins31%
Op. Margins26%
Earnings CAGR6%
Sales Growth YoY5%
Sales Growth QoQ34%
Sales CAGR15%
FCF CAGR18%
Equity CAGR5%
Earnings Stability0.07
Earnings Growth YoY44%
Earnings Growth QoQ3K%
Earnings CAGR 5Y36%
Sales CAGR 5Y23%
FCF CAGR 5Y40%
Equity CAGR 5Y19%
Earnings CAGR 3Y23%
Sales CAGR 3Y23%
FCF CAGR 3Y239%
Equity CAGR 3Y58%
Market Cap$1.70M
Revenue$759.87M
Dividend Yield995%
Payout Ratio13%
Assets$2.31B
Total Debt$188.21M
Cash$758.20M
Shares Outstanding10.29K
EV-568.3M
Earnings Score7%
Moat Score94%
Safety Score65%
Final Score55%
Shares Growth 3y8%
Equity Growth QoQ16%
Equity Growth YoY36%

Assets & ROA

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Stockholders Equity & ROE

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HCI Group Inc is primarily 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 HCPCI insurance operations, TypTap Group, Real estate operations, and Corporate and other. It derives key revenue from the HCPCI Insurance operation segment.

SEC Filings

Direct access to Hci Group, Inc. (HCI) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2025
    • 10-Q Mar 31
  • 2024
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Hci Group, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Hci Group, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 6%
Stability 7%
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Hci Group, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Hci Group, Inc..

= $11B
012345678910TV
fcf$307M$364M$431M$511M$605M$717M$850M$1B$1.2B$1.4B$1.7B$17B
DCF$331M$356M$384M$413M$445M$480M$517M$557M$600M$646M$6.5B
Value$11B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Net Margins23%11%-3%8%10%8%0%-12%14%14%31%
ROA-7%-2%3%4%4%1%-4%6%8%9%
ROE-12%-4%10%14%13%1%-36%23%23%23%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Debt over FCF-1.5918.1910.033.42.290.49-34.210.950.580.61
Debt over Equity0.540.571.341.460.940.810.141.340.650.40.35
Growth Stability---60%100%100%8%-331%-100%-331%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024CAGR 5Y
Revenue YoY growth--8%-8%-5%5%28%31%22%10%36%23%
Earnings YoY growth--56%-124%-357%42%4%-93%-3K%-231%39%36%
Equity YoY growth-3%-20%-6%2%8%61%-50%101%43%19%
FCF YoY growth-97%-84%85%94%39%31%-107%-4K%46%40%