HCI Group Inc (HCI)vsThe Travelers Companies Inc (TRV)
HCI
HCI Group Inc
$174.94
-1.10%
FINANCIAL SERVICES · Cap: $2.24B
TRV
The Travelers Companies Inc
$363.04
+0.18%
FINANCIAL SERVICES · Cap: $75.17B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 5044% more annual revenue ($48.98B vs $952.13M). HCI leads profitability with a 32.6% profit margin vs 17.0%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 78/100 (B+).
HCI
Strong Buy78
out of 100
Grade: B+
TRV
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 45.4%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 57.1% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Grey zone — moderate risk
0.3% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 45.4%. Revenue growth of 11.1% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 17.0% and operating margin at 23.7%.
Bear Case : HCI
The primary concerns for HCI are Altman Z-Score.
Bear Case : TRV
The primary concerns for TRV are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HCI profiles as a mature stock while TRV is a value play — different risk/reward profiles.
HCI carries more volatility with a beta of 1.02 — expect wider price swings.
HCI is growing revenue faster at 11.1% — sustainability is the question.
TRV generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
HCI scores higher overall (78/100 vs 74/100), backed by strong 32.6% margins and 11.1% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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