Stock Ratings / Financials / HCI / earnings

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HCI Group Inc. (HCI) Next Earnings Date & Expected ±5.3% Move

$198.23 +1.53% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

HCI Group Inc. (HCI) earns a Roarable Rating of B+ (Buy) with 76/100 RQD Confidence. High-quality cash engine (steady margins, 31% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B+ • BUY Cap $2.47B

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+8.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HCI)Realized 20D OHLCV Swing Band: ±5.3%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±5.3% Swing Band

±$10.51 Expected Swing

MODEL EARNINGS SETUP GAUGE

HCI Quantitative Pre-Earnings Setup: 76/100

Trailing EPS: $25.76 • YoY Revenue Growth: 20.1%

Model Bullish Setup (76/100)Model Risk Weight (24/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$900.9M	$320.4M	$440.8M	52%
FY 2024	2024-12-31	$750.1M	$127.6M	$327.8M	52%
FY 2023	2023-12-31	$550.7M	$89.3M	$230.7M	52%

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Whale Flow & Momentum Playbook: Evaluating HCI & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on HCI
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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HCI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +29.08%📐 HORIZONTAL RANGE

2026-10-30O $199.6H $199.7L $196.9C $198.2VOL 116.8K

RES: $211.4SUP: $173.7SMA50: $189.2SMA200: $170.6

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HCI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HCI Butterfly Map → + Track HCI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-6.2%/yr Implied 5Y Growth

vs. +20.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HCI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HCI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HCI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HCI)

Financials Rank #31 of 1096 ⚔️ SKWD vs HCI Full Matrix →

1. Head-to-Head Financials Peer Comparison (HCI vs. SKWD, PLGO, HG, SPNT)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, HCI Group Inc. (HCI) ranks #31 by composite RQD confidence (76/100, grade B+) and #398 by equity capitalization ($2.47B). Within this direct 5-issuer industry benchmark cohort, SPNT leads on earnings valuation at 6.6x trailing P/E, while HCI leads on capital efficiency and profitability with 30.8% ROIC and — gross margin. HCI currently leads its immediate peer cohort in composite quantitative strength at 76/100 (B+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HCI ACTIVE HCI Group Inc.	B+	76/100	7.7x	—	30.8%	+1.53%	$2.47B	Benchmark Subject
SKWD Skyward Specialty Insurance Group Inc.	C+	68/100	15.3x	—	16.8%	+0.95%	$2.60B	/skwd-vs-hci →
PLGO Pelagos Insurance Capital Limited	D	44/100	—	—	—	+1.91%	$2.26B	/plgo-vs-hci →
HG Hamilton Insurance Group Ltd. (Class B)	D+	55/100	—	—	—	-0.72%	$2.86B	/hg-vs-hci →
SPNT SiriusPoint Ltd.	C	64/100	6.6x	—	18.6%	+2.69%	$3.01B	/spnt-vs-hci →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001400810

In its most recent audited fiscal period (FY2025, filed 2025-12-31), HCI Group Inc. (HCI) reported GAAP revenue of $900.9M (+20.1% vs. FY2024 revenue of $750.1M , and +63.6% cumulative change since FY2023) , GAAP net income of $320.4M, operating cash flow of $444.4M, and free cash flow of $440.8M (+34.5% YoY). On the balance sheet, HCI closed FY2025 with $2.53B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$900.9M	$320.4M	$444.4M	$440.8M	$2.53B	—
FY2024 (FY)	2024-12-31	$750.1M	$127.6M	$331.8M	$327.8M	$2.23B	—
FY2023 (FY)	2023-12-31	$550.7M	$89.3M	$230.7M	$230.7M	—	—

3. HCI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HCI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, HCI Group Inc. (NYSE: HCI) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $198.23 (+1.53% 1D, market cap $2.47B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 18/20. Across 1096 tracked Financials issuers, HCI ranks #31 in composite RQD confidence.

How does HCI compare to SKWD and PLGO in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), HCI carries a Roarable B+ (76/100 RQD), trailing P/E of 7.7x, gross margin of —, and ROIC of 30.8%. By comparison, SKWD (Skyward Specialty Insurance Group Inc.) holds a C+ grade (68/100 RQD, P/E 15.3x, ROIC 16.8%, cap $2.60B) and PLGO (Pelagos Insurance Capital Limited) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $2.26B). Among the 5-stock peer group, SPNT leads on earnings multiple (6.6x) while HCI leads on capital efficiency (30.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HCI?

Per HCI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001400810), HCI Group Inc. generated $900.9M in revenue (+20.1% YoY), $320.4M in net income, and $440.8M in free cash flow against $2.53B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HCI trading relative to its 50-day, 200-day, and 52-week technical levels?

HCI last traded at $198.23 (+1.53% on volume of 145,861 shares), positioning the stock +4.79% above its 50-day simple moving average ($189.16) and +16.17% above its 200-day simple moving average ($170.64). Across its 52-week range of $144.75 to $208.80, HCI sits at the 83.5% percentile with a 14-day RSI of 55.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($187.72 to $208.74).

HCI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is HCI's next earnings date?

Based on SEC filing cadence, HCI Group Inc. (HCI)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is HCI stock expected to move on earnings?

Volatility modeling currently projects a ±5.3% event move for HCI, spanning a range between $187.72 and $208.74.

Direct Sub-Reports: HCI RQD Cockpit HCI 12M Forecast HCI Earnings & Move HCI Dividends & DRIP HCI Insiders & 13F HCI Whale Options HCI Profit Sankey HCI News & Why