Lumida
/HCI
⌘K
Hci Group Inc

Hci Group Inc

HCI
$177.97USD↓-0.20%-0.35 today

MARKET CAP

2.3B

P/E (TTM)

7.4x

FWD P/E

9.7x

DAY RANGE

$177 – $185

52W RANGE

$136
$211

AI Summary

Stalk
StalkMedium

Despite HCI’s secular uptrend and Stage 2 advancing structure, the late July Bearish Pivot Point breakdown and repeated rejections at the 9- and 21-day EMAs have ushered in a corrective pullback without oversold conditions. Medium-term bias remains bullish given the intact higher-high/higher-low sequence and rising 50-day SMA, but short-term timing is unfavorable. We will wait for a clear pullback into the 200-day SMA or 50-day SMA support region before considering entry.

  • ↑Q1 2026 pre-tax income $115M (+15% YoY) and EPS $5.45.
  • ↑Gross premiums earned up 21.1% annualized over two years.
  • ↓Florida market competition pressures rates, limiting premium increases.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

HCI Group, Inc. (NYSE: HCI) is a diversified insurance company focused primarily on property and casualty insurance, particularly homeowners' insurance within Florida. The company operates multiple insurance carriers, offering a flexible approach to risk and capital management while leveraging advanced technology through its subsidiary, Exio. HCI positions itself amid the ongoing evolution in the insurance landscape, seeking to capitalize on growth initiatives in a competitive environment.

Bull says

  • ↑Q1 2026 pre-tax income $115M (+15% YoY) and EPS $5.45.
  • ↑Gross premiums earned up 21.1% annualized over two years.
  • ↑$37.5M of $80M buyback executed to boost share value.
  • ↑Exio IPO enhances underwriting tech and operational efficiency.
  • ↑Cantor Fitzgerald overweight rating with $225 price target.
  • ↑High earnings yield, strong profitability, and low stock volatility.

Bear says

  • ↓Florida market competition pressures rates, limiting premium increases.
  • ↓Negative growth and revision trends signal slowing revenue.
  • ↓Low dividend yield highlights constrained cash returns.
  • ↓Potential earnings volatility from weather and market dynamics.
  • ↓High short interest reflects investor skepticism on outlook.
  • ↓Regulatory and reinsurance shifts may weaken pricing power.

Investment themes with HCI

L&H Insurance↑ +0.32%

PGR · TRV · ALL

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-08-2026bullish

Transcript signals

Bull points

  • Pre-tax income grew by 15% from the same quarter last year to $115 million, and diluted earnings per share were $5.45. This was the best first quarter ever for us, as we continue to grow the top line, the bottom line, and return on equity.
  • Gross premiums earned grew by just over 8%, reflecting the full impact of the assumptions we completed in 2025. Total revenue grew by just over 12%, as investment income and other income grew significantly.
  • Stockholder equity has doubled over just the last year to over a billion dollars. We have just under $2 billion of cash in fixed-term securities.
Read full transcript analysis ›