US · HCI
HCI Group, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Tampa, FL 33619
- Website
- hcigroup.com
Price · as of 2025-12-31
$152.30
Market cap 2.29B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $199.68 | +31.11% |
| Intrinsic Value(DCF) | $6,581.29 | +4,221.27% |
| Graham-Dodd Method(GD) | $222.47 | +46.07% |
| Graham Formula(GF) | $720.03 | +372.77% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.58 | $60.17 | $576.87 | $9.15 | $68.23 |
| 2012 | $17.74 | $111.95 | $11,678.65 | $16.90 | $284.83 |
| 2013 | $27.48 | $181.55 | $16,895.47 | $30.38 | $331.42 |
| 2014 | $35.98 | $53.64 | $3,367.11 | $31.41 | $114.57 |
| 2015 | $24.14 | $130.52 | $646.38 | $39.64 | $104.32 |
| 2016 | $37.98 | $29.73 | $26.85 | $21.69 | $0.00 |
| 2017 | $33.56 | $138.21 | $23.79 | $0.00 | $0.00 |
| 2018 | $32.31 | $48.25 | $19.80 | $12.73 | $6.67 |
| 2019 | $39.16 | $31.66 | $0.57 | $16.26 | $43.26 |
| 2020 | $68.78 | $46.00 | $37.03 | $20.22 | $81.47 |
| 2021 | $61.82 | $72.47 | $1,851.15 | $15.04 | $11.96 |
| 2022 | $55.44 | $203.01 | $762.21 | $0.00 | $0.00 |
| 2023 | $110.17 | $2,383,949.07 | $948.12 | $49.57 | $147.94 |
| 2024 | $134.54 | $103.80 | $4,570.07 | $75.44 | $470.26 |
| 2025 | $173.76 | $199.68 | $4,547.61 | $222.47 | $720.03 |
AI valuation
Our deep-learning model estimates HCI Group, Inc.'s (HCI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $199.68
- Current price
- $152.30
- AI upside
- +31.11%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$6,581.29
+4,221.27% upside
Graham-Dodd
$222.47
+46.07% upside
Graham Formula
$720.03
+372.77% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HCI | HCI Group, Inc. | $152.30 | 2.29B | +31% | +4,221% | +46% | +373% | 6.18 | 1.90 | 2.20 | 0.46 | 3.44 | 1.91 | 73.16% | 47.65% | 33.19% | 42.88% | -55.79% | 13.46% | 0.03 | 46.89 | 145.90 | 145.90 | -2.62 | 17975.00% | 2021.00% | 3560.00% | 22.44% | 34.77 | -77.40% | 0.00% | 0.00% | 42.01% | 0.48 | 0.46 | 0.23 | 2.97 |
| AHL | ASPEN INSURANCE HOLDINGS … | $37.50 | 3.44B | — | — | -40% | +158% | — | — | — | — | — | — | 33.13% | 14.52% | 15.20% | 15.48% | -22.57% | 3.14% | 0.11 | 7.47 | — | — | -1.01 | -4669.00% | 1046.00% | 7017.00% | — | — | -26.13% | — | 51.40% | — | — | — | — | — |
| BANC | Banc of California, Inc. | $18.47 | 2.87B | +29% | +3% | +2% | -61% | 12.42 | 0.80 | 1.57 | -3.45 | 9.78 | 0.88 | 58.70% | 17.98% | 12.65% | 6.50% | 115.77% | 0.67% | 0.85 | 0.47 | 0.26 | 0.26 | 1.78 | 12692.00% | -331.00% | 57855.00% | 15.35% | 0.02 | 212.21% | 3.65% | 45.30% | 3.78% | -4.21 | -3.14 | -0.76 | -0.60 |
| BOH | Bank of Hawaii Corporatio… | $75.77 | 3.01B | -33% | -3% | -62% | -10% | 15.04 | 1.67 | 2.86 | 7.17 | 44.87 | 1.70 | 67.44% | 26.75% | 19.00% | 11.70% | 57.25% | 0.86% | 0.05 | 0.83 | 11.00 | 11.00 | -2.73 | 3353.00% | 525.00% | 919.00% | 5.95% | 2.36 | 46.30% | 3.65% | 54.90% | 30.97% | 7.74 | 12.17 | 2.07 | 0.34 |
| KMPR | Kemper Corporation | $32.32 | 1.9B | -18% | -60% | -52% | -17% | 14.05 | 0.75 | 0.42 | 10.35 | — | 2.60 | 29.68% | 3.35% | 2.99% | 5.24% | 4.05% | 1.14% | 0.35 | 4.17 | — | — | 2.99 | -5336.00% | 362.00% | 6800.00% | 27.51% | — | 16.92% | 3.95% | 55.50% | 44.20% | 17.62 | 5.11 | 0.59 | 0.79 |
| PLMR | Palomar Holdings, Inc. | $123.71 | 3.28B | +24% | +3,813% | -41% | +282% | 17.11 | 3.58 | 3.85 | 12.25 | 28.50 | 3.91 | 73.90% | 28.93% | 22.50% | 23.58% | 40.80% | 12.00% | 0.01 | 646.40 | — | — | -0.41 | 6004.00% | 5816.00% | 5675.00% | 12.13% | — | 84.67% | 0.00% | 0.00% | 1.89% | 12.70 | 7.87 | 3.67 | 4.02 |
| SBCF | Seacoast Banking Corporat… | $31.12 | 3.04B | +47% | +5% | -0% | -20% | 19.51 | 0.92 | 3.25 | -6.34 | 173.15 | 1.55 | 61.57% | 21.45% | 16.66% | 5.53% | -33.73% | 0.80% | 0.44 | 0.66 | 0.40 | 0.40 | 6.19 | 1127.00% | 749.00% | 7584.00% | 10.94% | 0.02 | -71.99% | 0.00% | 0.00% | 0.00% | -6.34 | -3.82 | -1.36 | -0.26 |
| SLDE | Slide Insurance Holdings,… | $19.00 | 2.36B | — | — | -39% | +624% | — | — | — | — | — | — | 49.78% | 31.88% | 23.75% | 59.97% | -269.35% | 13.37% | 0.11 | 71.92 | — | — | -1.57 | 13000.00% | 8074.00% | 2521.00% | — | — | -728.27% | — | 0.00% | — | — | — | — | — |
| STC | Stewart Information Servi… | $70.99 | 2.12B | +116% | -12% | -54% | +39% | 17.58 | 1.24 | 0.70 | 10.77 | 32.09 | 46.18 | 87.72% | 5.67% | 3.96% | 7.59% | 6.64% | 3.86% | 0.54 | 8.10 | — | — | 2.36 | 5479.00% | 1732.00% | 11619.00% | 10.13% | — | 10.50% | 0.00% | 0.00% | 0.00% | 15.71 | 12.64 | 0.89 | 2.45 |
| WD | Walker & Dunlop, Inc. | $46.01 | 1.57B | +367% | -9% | — | -38% | -114.32 | 0.92 | 1.29 | 14.83 | — | 2.19 | 61.33% | 17.26% | 4.62% | -0.80% | 4.51% | -0.29% | 1.30 | 38.81 | 0.32 | 0.32 | 8.17 | -4859.00% | 899.00% | -68427.00% | -42.81% | -0.30 | -19.97% | 5.78% | -660.60% | 6.44% | 16.61 | -5.20 | 2.87 | 0.66 |
About HCI Group, Inc.
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.
- CEO
- Pareshbhai Suryakant Patel
- Employees
- 552
- Beta
- 1.21
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($6,581.29 ÷ $152.30) − 1 = +4,221.27% (DCF, example).