HCI Group, Inc.
HCIFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Oct 24, 2026
Scan Results
Daily timeframeHCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The $2.54B market capitalization puts HCI squarely in mid-cap range for its industry. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments.
Market Cap
$2.54B
Beta
1.05
P/E (TTM)
8.80
P/E (Fwd)
10.19
EPS (TTM)
$23.20
EPS (Fwd)
$20.03
ROE
35.0%
ROA
11.6%
Cash
$872.3M
Total Debt
$67.5M
Free CF
$423.2M
52W Change
-1.1%
Annual Financials
Cash vs Debt
Where HCI stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, HCI finished 17.22% above its 150-day moving average ($170.43) and 18.21% above its 200-day moving average ($169.00). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is HCI overbought or oversold?
At the October 20, 2026 close, HCI's RSI(14) was 79.7, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $872.3M in cash and $67.5M in debt, HCI maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Annual free cash flow of $423.2M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 35.0% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Return on assets of 11.6% 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.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing HCI's risk profile alongside its fundamentals and technical indicators provides a more complete picture.