HCI Group, Inc.
HCIFinancial ServicesNASDAQInsurance - Property & Casualty
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Daily timeframeHeadquartered within the financial services sector, HCI Group, Inc. focuses on Insurance - Property & Casualty services and products. HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. At a $1.97B market cap, HCI Group, Inc. ranks as a small-cap company within financial services. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments.
Market Cap
$1.97B
Beta
1.09
P/E (TTM)
6.77
P/E (Fwd)
8.72
EPS (TTM)
$22.83
EPS (Fwd)
$17.72
ROE
38.5%
ROA
11.5%
Cash
$1.01B
Total Debt
$67.7M
Free CF
$449.5M
52W Change
-8.4%
Annual Financials
Cash vs Debt
With $1.01B in cash and $67.7M in debt, HCI maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. The company generates $449.5M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at 38.5%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Return on assets of 11.5% further supports the picture of efficient asset utilization. Revenue has grown from $492.0M (2022) to $901.8M (2025), reflecting a 83% increase over the period.
With cash comfortably exceeding debt, HCI has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence HCI Group, Inc.'s trajectory.