HCINYSEFire, Marine & Casualty InsuranceFiscal year ends December 31Also trades as HCIIP
HCI Group, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$199.77+1.22 (+0.61%)
Close on Oct 19, 2026
- Market cap
- $2.53B
- P/E (TTM)
- 8.6
- Dividend yield
- 0.80%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
33.2%+24.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +20.1% | +21.7% | +23.7% | +12.2% | |
| Net income | +171.9% | – | +61.1% | +16.3% | |
| EPS, diluted | +155.6% | – | +45.5% | +14.4% | |
| Free cash flow | +34.5% | – | +44.1% | +25.8% | |
| Dividend per share | 0.0% | 0.0% | 0.0% | +2.9% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 12.1% | 14.3% | 40.0% | |
| Return on assets | 4.4% | 3.2% | 12.6% | |
| Capex to revenue | 0.3% | 2.1% | 0.4% | |
| Diluted shares | 11M | 10M | 13M |
Where the cash went
Fiscal 2021 to 2025, five years combined
HCI generated $1.10B from operations and spent $178.65M on capital expenditure, dividends and share buybacks. 13% of that went back into the business.
Generated
$1.10B
Used
$178.65M
Capital expenditure$23.85M13%Dividends$78.90M44%Share buybacks$75.90M42%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin33.2%
×Asset turnover0.38×
×Equity multiplier3.18×
=Return on equity, FY202540.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 33.2% | 0.38× | 3.18× | 40.0% |
| FY2024 | 14.7% | 0.37× | 5.19× | 28.3% |
| FY2023 | 14.4% | 0.30× | 7.42× | 32.4% |
| FY2022 | -11.7% | 0.34× | 6.13× | -24.1% |
| FY2021 | 0.5% | 0.39× | 4.04× | 0.7% |
| FY2020 | 8.9% | 0.36× | 4.51× | 14.3% |
| FY2019 | 11.0% | 0.30× | 4.46× | 14.5% |
| FY2018 | 7.7% | 0.28× | 4.46× | 9.4% |
| FY2017 | -2.8% | 0.32× | 3.46× | -3.1% |
| FY2016 | 11.0% | 0.40× | 2.71× | 12.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$299.01M
- Cash generatingOperating cash flow above zero$444.45M
- Return on assets improvedROA up on the prior year6.1% → 13.4%
- Earnings backed by cashOperating cash flow above net income$444.45M vs $299.01M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise13M → 13M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.41 → 0.40