HCI Group Inc (HCI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
HCI Group Inc stock (HCI) is currently trading at $155.03. HCI Group Inc PE ratio is 6.67. HCI Group Inc PS ratio (Price-to-Sales) is 2.19. Analyst consensus price target for HCI is $245.00. WallStSmart rates HCI as Buy.
- HCI PE ratio analysis and historical PE chart
- HCI PS ratio (Price-to-Sales) history and trend
- HCI intrinsic value — DCF, Graham Number, EPV models
- HCI stock price prediction 2025 2026 2027 2028 2029 2030
- HCI fair value vs current price
- HCI insider transactions and insider buying
- Is HCI undervalued or overvalued?
- HCI Group Inc financial analysis — revenue, earnings, cash flow
- HCI Piotroski F-Score and Altman Z-Score
- HCI analyst price target and Smart Rating
HCI Group Inc
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HCI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · HCI Group Inc (HCI)
HCI trades at a significant discount to its Graham intrinsic value of $1063.30, offering a 85% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
HCI Group Inc (HCI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, return on equity, price/book. Concerns around operating margin. Overall metrics suggest strong investment potential with favorable risk/reward.
HCI Group Inc (HCI) Key Strengths (7)
Growing significantly faster than its price suggests
Every $100 of shareholder equity generates $41 in profit
Revenue surging 48.00% year-over-year
Earnings per share surging 1612.00% year-over-year
Keeps $33 of every $100 in revenue as net profit
81.56% of shares held by major funds and institutions
Trading at 1.89x book value, attractively priced
Supporting Valuation Data
HCI Group Inc (HCI) Areas to Watch (3)
Losing money on operations
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.19x sales
HCI Group Inc (HCI) Detailed Analysis Report
Overall Assessment
This company scores 79/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.7/10) while 3 fall into concern territory (avg 3.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Return on Equity, Revenue Growth. Valuation metrics including PEG Ratio (0.97), Price/Book (1.89) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 40.50%, Profit Margin at 33.20%. Growth metrics are encouraging with Revenue Growth at 48.00%, EPS Growth at 1612.00%.
The Bear Case
The primary concerns are Operating Margin, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (2.19) suggest expensive pricing. Profitability pressure is visible in Operating Margin at -3.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 40.50% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 48.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Return on Equity makes a compelling case at current levels. The key risk is Operating Margin, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HCI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HCI's Price-to-Sales ratio of 2.19x sits near its historical average of 2.33x (49th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 79% below its historical high of 10.41x set in Sep 2008, and 112% above its historical low of 1.03x in Jul 2010. Over the past 12 months, the PS ratio has compressed from ~2.6x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for HCI Group Inc (HCI) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
HCI Group Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 901M with 48% growth year-over-year. Profit margins are strong at 33.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 48% YoY, reaching 901M. This pace significantly outperforms most INSURANCE - PROPERTY & CASUALTY peers.
ROE of 4050.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can HCI Group Inc maintain 48%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 104.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact HCI Group Inc.
Bottom Line
HCI Group Inc offers an attractive blend of growth (48% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About HCI Group Inc(HCI)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
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.