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HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, insurance management, reinsurance, real estate, and information technology businesses in the United States. It operates through Insurance Operations, TypTap Group, Reciprocal Exchange Operations, and Real Estate Operations segments. The company provides residential insurance products, such as homeowners, fire, and wind-only insurance to homeowners, condominium owners, and tenants for properties, as well as offers reinsurance programs. It also owns and operates waterfront properties and retail shopping centers, and an office building, as well as commercial properties for investment purposes. In addition, the company designs and develops web-based applications and products, including SAMS, an online policy administration platform; Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; and AtlasViewer, a mapping and data visualization platform. The company was formerly known as Homeowners Choice, Inc. and changed its name to HCI Group, Inc. in May 2013. HCI Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.
Tech-Driven Profits | HCI Group's proprietary technology yields superior underwriting results, with a combined ratio of 62% in Q2 2025, showcasing its competitive edge in the insurance sector. |
Unlocking Value | Explore HCI's strategic move to spin off its technology subsidiary, Exzeo, through an IPO by 2025's end, potentially catalyzing significant shareholder value. |
Market Positioning | Delve into HCI's unique approach in the Florida insurance market, leveraging regulatory reforms and strategic policy acquisitions to drive growth and profitability. |
Future Prospects | Analyst projections value HCI at $225 per share in the base case, with a bull case scenario reaching $547, contingent on Exzeo's growth and market conditions. |
Metrics to compare | HCI | Sector Sector - Average of metrics from a broad group of related Financial sector companies | Relationship RelationshipHCIPeersSector | |
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P/E Ratio | 16.8x | 1.2x | 9.8x | |
PEG Ratio | −1.41 | 0.43 | 0.03 | |
Price/Book | 3.0x | 1.3x | 1.0x | |
Price / LTM Sales | 3.0x | 1.3x | 2.9x | |
Upside (Analyst Target) | 10.9% | 8.8% | 11.3% | |
Fair Value Upside | Unlock | −7.5% | 1.3% | Unlock |