Hci Group Inc

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.