HCI Group, Inc.

HCI Group, Inc.

HCIยทNYSE

$149.82

-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$1.91B
EPS28.1000
P/E Ratio5.33
Earnings Date08/06/2026
hci

HCI Group, Inc. Street Expectations Map

HCI ยท NYSE

Wall Street analysts project that HCI stock may decline over the coming 12 months. The consensus 1-year price target stands at 126.50, with estimates ranging from a low of 75.00 to a high of 165.00.

Lowest Target
75.00
-49.94%
Consensus Target
126.50
-15.57%
Highest Target
165.00
10.13%

The consensus 1-year price target stands at 126.50, with estimates ranging from a low of 75.00 to a high of 165.00.

Analyst Consensus Analysis

Upside Potential

-15.6%

Significant downside risk. Stock trading well above analyst consensus suggests elevated valuation concerns and potential correction.

Analyst Agreement

71.1% spread

High uncertainty. Very wide target spread indicates significant disagreement among analystsโ€”major valuation uncertainty or transformation underway.

Risk-Reward Profile

0.20x

Unfavorable risk-reward. Downside risk exceeds upside potential. Consider defensive positioning or alternative opportunities.

Analyst Conviction

Low

High uncertainty: Wide dispersion indicates analysts struggle to agree on valuationโ€”proceed with caution and independent analysis.

Market Sentiment Insight

Extreme uncertainty: Massive dispersion in price targets reflects fundamental disagreement on business trajectory. This could signal transformation, disruption, or complex valuationโ€”requires deep sector expertise and contrarian mindset.

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HCI Group, Inc. Forward Estimates of Revenue

HCI ยท NYSE
Latest Revenue
900.95M
FY 2025
Avg Estimate
962.20M
FY 2026
Estimate Range
957.16M - 967.25M
Analyst Spread

Forward Growth Analysis

Projected Growth+6.8%

Moderate growth expected, typical for mature businesses with stable market positions.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

hci

HCI Group, Inc. Forward Estimates of Net Income

HCI ยท NYSE
Latest Net Income
299.00M
FY 2025
Avg Estimate
221.48M
FY 2026
Estimate Range
210.18M - 232.77M
Analyst Spread

Forward Growth Analysis

Projected Growth-25.9%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread10%

Reasonable estimate spread indicates general agreement with normal forecast variance.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

hci

HCI Group, Inc. Forward Estimates of EPS

HCI ยท NYSE
Latest EPS
28.10
FY 2025
Avg Estimate
$17.17
FY 2026
Estimate Range
$16.31 - $18.07
Analyst Spread

Forward Growth Analysis

Projected Growth-38.9%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread10%

Reasonable estimate spread indicates general agreement with normal forecast variance.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

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HCI Group, Inc. Forward Estimates of EBIT

HCI ยท NYSE
Latest EBIT
438.49M
FY 2025
Avg Estimate
171.24M
FY 2026
Estimate Range
170.34M - 172.14M
Analyst Spread

Forward Growth Analysis

Projected Growth-60.9%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

hci

HCI Group, Inc. Forward Estimates of EBITDA

HCI ยท NYSE
Latest EBITDA
449.70M
FY 2025
Avg Estimate
183.39M
FY 2026
Estimate Range
182.43M - 184.35M
Analyst Spread

Forward Growth Analysis

Projected Growth-59.2%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

hci

HCI Group, Inc. Forward Estimates of SG&A Expense

HCI ยท NYSE
Latest SG&A Expense
72.12M
FY 2025
Avg Estimate
94.29M
FY 2026
Estimate Range
93.80M - 94.79M
Analyst Spread

Forward Growth Analysis

Projected Growth+30.7%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

hci

HCI Group, Inc. Insider Positioning

HCI ยท NYSE

During the last 12 months, there has been no insider trading activity reported for HCI.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

6-9 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

9-12 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

Top Buyers

No buying activity

Top Sellers

No selling activity

Insider Activity Analysis

Net Insider Sentiment

Neutral

No insider trading activity reported. This could indicate blackout periods, lack of conviction, or regulatory restrictions.

Insider Participation

No Activity

No insider trading activity reported from any insiders in the past year.