HCI Group, Inc.

HCI Group, Inc.

HCIยทNYSE

$152.16

-0.91%
Financial ServicesInsurance - Property & Casualty

HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, reinsurance, real estate, and information technology businesses in Florida. It provides residential insurance products, such as homeowners, fire, flood, and wind-only insurance to homeowners, condominium owners, and tenants for properties, as well as offers reinsurance programs. The company also owns and operates waterfront properties and retail shopping centers, and an office building, as well as commercial properties for investment purposes. In addition, it designs and develops web-based applications and products for mobile devices, including SAMS, an online policy administration platform; Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; and AtlasViewer, a mapping and data visualization platform. The company was formerly known as Homeowners Choice, Inc. and changed its name to HCI Group, Inc. in May 2013. HCI Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.

At a Glance

Live Snapshot
Market Cap$1.94B
EPS28.1000
P/E Ratio7.31
Earnings Date08/06/2026
HCI Group, Inc.

HCI Group, Inc. Fair Value Envelope

HCI ยท NYSE

Our analysis suggests that HCI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $152.16, this represents a potential HIDDEN relative to our calculated worth for HCI Group, Inc..

Intrinsic Value
Current Price: $152.16

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$93.0B
+ Cash & Equivalents$1.2B
Firm Value$94.2B
- Debt$67.3M
Equity Value$94.1B
/ Shares Outstanding12,959,800B
DCF Value$7.3K
UNDERVALUED BY 4672%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$605.8M
$821.4M
$1.1B
$1.5B
$2.0B
$2.8B
$3.8B
$5.1B
$6.9B
$9.4B
Maintenance CapEx
-$985.3K
-$1.3M
-$1.8M
-$2.5M
-$3.3M
-$4.5M
-$6.1M
-$8.3M
-$11.3M
-$15.3M
Owner Earnings
$604.8M
$820.1M
$1.1B
$1.5B
$2.0B
$2.8B
$3.8B
$5.1B
$6.9B
$9.4B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$560.0M
$703.1M
$882.8M
$1.1B
$1.4B
$1.7B
$2.2B
$2.8B
$3.5B
$4.3B
Terminal Value represents 79.4% of Enterprise Value