HCI Group, Inc. (HCI) Stock Score, Valuation & Financial Research
HCI Group, Inc. is in the Financial Services sector and Insurance - Property & Casualty industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 79/100.
Quick answer for HCI
HCI Group, Inc. currently has a Wall Street Score of 79/100. The stored market price is $185.73. Its financial score is 60/100. Its valuation score is 100/100. The latest WSS change is -0.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What HCI Group, Inc. does
Headquartered in Tampa, Florida, HCI Group, Inc., originally established in 2006 as Homeowners Choice, Inc. before its name change in May 2013, is a diversified holding company. It conducts business across four main segments: property and casualty insurance, reinsurance, real estate, and information technology. Within Florida, the company underwrites residential insurance policies for homeowners, condominium owners, and tenants, offering coverage types such as homeowners, fire, flood, and wind-only, alongside reinsurance services. Its real estate portfolio encompasses ownership and management of waterfront properties, retail shopping centers, an office building, and various commercial investment properties. Additionally, HCI Group's technology division designs and builds web-based applications and mobile solutions, including its online policy administration platforms SAMS and Harmony, th
HCI financial snapshot
- Wall Street Score:
- 79/100
- Current price:
- $185.73
- Market capitalization:
- $2.37B
- Revenue:
- $952.2M
- Net income:
- $310.4M
- Free cash flow:
- $443.1M
- Cash:
- $876.7M
- Total debt:
- $31.5M
- EPS:
- 28.10
- P/E ratio:
- 6.6x
- Financial score:
- 60/100
- Valuation score:
- 100/100
- Revenue score:
- 56/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $443.1M, showing positive cash generation.
- The balance sheet shows $876.7M of cash versus $31.5M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is -0.1 points: HCI decreased 0.1 points because Asset declined by 2.6 points.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 60/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-08-14.
How to research HCI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.