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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
HCI Group Inc. (HCI) advanced +1.53% to $198.23, trading at 83% of its 52-week range ($144.75 – $208.8). High-quality cash engine (steady margins, 31% return on capital) with steady institutional support.
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Dividend affirmation puts income focus on HCI Group HCI Group (HCI) has reaffirmed its regular cash return to shareholders, with the board declaring a quarterly dividend of US$0.40 per share payable on December 18, 2026.
HCI Group (HCI) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
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In the most recent trading session, HCI Group (HCI) closed at $199.96, indicating a -1.55% shift from the previous trading day.
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Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +20.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on HCI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for HCI. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why HCI Stock advanced +1.53% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 31% return on capital) with steady institutional support.