Hci Group, Inc.

Finance
Property-Casualty Insurers
www.hcigroup.com

Earnings Score
Moat Score
Safety Score

Market Cap $1.46B
PE 14
Debt $188.59M
Cash $536.19M
EV $1.12B
FCF $327.76M

Earnings

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Sales & Net Margins

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Earnings	$105.84M
EBIT	$173.43M
ROE	23%
ROA	8%
FCF	$327.76M
Equity	$467.35M
Growth Stability	-331%
PE	13.83
PEG	0.46
PB	3.13
P/FCF	4.47
P/S	1.95
Price/Cash	0.37
Debt/Equity	0.4
Debt/FCF	0.58
Net Margins	14%
Op. Margins	23%
Earnings CAGR	5%
Sales Growth YoY	-0%
Sales Growth QoQ	-8%
Sales CAGR	15%
FCF CAGR	17%
Equity CAGR	4%
Earnings Stability	0.05
Earnings Growth YoY	-94%
Earnings Growth QoQ	-57%

Earnings CAGR 5Y	30%
Sales CAGR 5Y	25%
FCF CAGR 5Y	31%
Equity CAGR 5Y	16%
Earnings CAGR 3Y	22%
Sales CAGR 3Y	22%
FCF CAGR 3Y	164%
Equity CAGR 3Y	38%
Market Cap	$1.46B
Revenue	$750.05M
Dividend Yield	1%
Payout Ratio	16%
Assets	$2.23B
Total Debt	$188.59M
Cash	$536.19M
Shares Outstanding	9.99M
EV	1.12B
Earnings Score	7%
Moat Score	91%
Safety Score	65%
Final Score	54%
Shares Growth 3y	5%
Equity Growth QoQ	0%
Equity Growth YoY	43%

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.

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
2022
- 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 5%

Stability 5%

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Hci Group, Inc. Discounted Cash Flow

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

Years

Calculation mode

= $11B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$328M	$383M	$449M	$525M	$614M	$718M	$840M	$983M	$1.2B	$1.3B	$1.6B	$16B
DCF		$349M	$371M	$394M	$419M	$446M	$474M	$505M	$537M	$571M	$607M	$6.1B
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.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	23%	11%	-3%	8%	10%	8%	0%	-12%	14%	14%	14%
ROA	-	7%	-2%	3%	4%	4%	1%	-4%	6%	8%	8%
ROE	-	12%	-4%	10%	14%	13%	1%	-36%	23%	23%	23%

Good Net Margins (14.11%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

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.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	1.59	18.19	10.03	3.4	2.29	0.49	-34.21	0.95	0.58	0.58
Debt over Equity	0.54	0.57	1.34	1.46	0.94	0.81	0.14	1.34	0.65	0.4	0.4
Growth Stability	-	-	-	60%	100%	100%	8%	-331%	-	100%	-331%

Good Debt/FCF ratio (0.58)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.4)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (-331%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

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.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	-8%	-8%	-5%	5%	28%	31%	22%	10%	36%	25%
Earnings YoY growth	-	-56%	-124%	-357%	42%	4%	-93%	-3K%	-231%	39%	30%
Equity YoY growth	-	3%	-20%	-6%	2%	8%	61%	-50%	101%	43%	16%
FCF YoY growth	-	97%	-84%	85%	94%	39%	31%	-107%	-4K%	46%	31%