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Upturn AI SWOT - About
HCI Group Inc (HCI)
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Upturn Advisory Summary
08/14/2025: HCI (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $202.5
1 Year Target Price $202.5
| 4 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 103.59% | Avg. Invested days 73 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.04B USD | Price to earnings Ratio 13.82 | 1Y Target Price 202.5 |
Price to earnings Ratio 13.82 | 1Y Target Price 202.5 | ||
Volume (30-day avg) 5 | Beta 1.22 | 52 Weeks Range 88.95 - 175.52 | Updated Date 08/15/2025 |
52 Weeks Range 88.95 - 175.52 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.02% | Basic EPS (TTM) 11.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-07 | When - | Estimate 4.5 | Actual 5.18 |
Profitability
Profit Margin 18.58% | Operating Margin (TTM) -3.6% |
Management Effectiveness
Return on Assets (TTM) 6.73% | Return on Equity (TTM) 25.47% |
Valuation
Trailing PE 13.82 | Forward PE 10.11 | Enterprise Value 1105102843 | Price to Sales(TTM) 2.63 |
Enterprise Value 1105102843 | Price to Sales(TTM) 2.63 | ||
Enterprise Value to Revenue 1.42 | Enterprise Value to EBITDA - | Shares Outstanding 12959800 | Shares Floating 5144327 |
Shares Outstanding 12959800 | Shares Floating 5144327 | ||
Percent Insiders 17.76 | Percent Institutions 79.8 |
Upturn AI SWOT
HCI Group Inc
Company Overview
History and Background
HCI Group, Inc. was founded in 2006. It started as a provider of IT services to the insurance industry and later transitioned into a property and casualty insurance company focused on Florida homeowners insurance. It has grown through organic expansion and acquisitions.
Core Business Areas
- Property and Casualty Insurance: HCI's primary business is providing residential property and casualty insurance, primarily focusing on homeowners in Florida. It offers coverage for windstorm, flood, and other perils.
- Real Estate: HCI Group also engages in real estate activities, including property development and management, often related to insurance risk mitigation or diversification.
- Information Technology: Through its wholly-owned subsidiary, HCI provides IT services to the property and casualty insurance industry.
Leadership and Structure
Paresh Patel serves as the Chairman and CEO of HCI Group, Inc. The company has a board of directors and a management team overseeing various operational areas, including underwriting, claims, IT, and finance.
Top Products and Market Share
Key Offerings
- Homeowners Insurance Policies: HCI's core offering is homeowners insurance policies, primarily in Florida. Market share data fluctuates, but HCI aims to be a significant player in the Florida market. Competitors include Universal Insurance Holdings (UIHC), Heritage Insurance Holdings (HRTG), and Citizens Property Insurance Corporation (Florida's state-backed insurer).
- Commercial Residential Insurance Policies: HCI also offers commercial residential insurance for condominium associations and similar properties. Competitors include Universal Insurance Holdings (UIHC), Heritage Insurance Holdings (HRTG), and Citizens Property Insurance Corporation (Florida's state-backed insurer).
Market Dynamics
Industry Overview
The Florida property insurance market is highly competitive and volatile, influenced by weather patterns (hurricanes), regulatory environment, and reinsurance costs. It features many specialized players and large national carriers.
Positioning
HCI Group focuses on leveraging technology and efficient operations to manage risk and offer competitive pricing. They compete with both large national insurers and smaller regional players. A key advantage is their proprietary IT platform.
Total Addressable Market (TAM)
The total addressable market for Florida homeowners insurance is estimated to be in the tens of billions of dollars annually. HCI Group's positioning involves capturing a meaningful share of this market through competitive pricing and risk management.
Upturn SWOT Analysis
Strengths
- Proprietary IT platform (Exzeo)
- Experience in the Florida insurance market
- Strong underwriting discipline
- Diversified business model with IT and real estate segments
Weaknesses
- Concentration in the volatile Florida market
- Exposure to catastrophic losses from hurricanes
- Reliance on reinsurance
- Small market capitalization compared to larger competitors
Opportunities
- Expansion into other coastal states with similar insurance needs
- Technological innovation to improve risk assessment and claims management
- Strategic acquisitions of smaller insurance companies
- Capitalizing on the exit of larger insurers from the Florida market
Threats
- Increased frequency and severity of hurricanes
- Rising reinsurance costs
- Regulatory changes in Florida's insurance market
- Competition from larger, well-capitalized insurers
Competitors and Market Share
Key Competitors
- UIHC
- HRTG
- BRK.A
Competitive Landscape
HCI competes with larger and smaller insurers in Florida. Its strength lies in its technology platform and focus on underwriting discipline. It faces challenges from larger competitors with greater capital and brand recognition. Citizen Property Insurance Corp controls the majority of market share.
Major Acquisitions
Anchor Underwriters
- Year: 2018
- Acquisition Price (USD millions): 36.2
- Strategic Rationale: Expanded HCI's presence in Florida's homeowners insurance market and provided access to a broader distribution network.
Growth Trajectory and Initiatives
Historical Growth: Past growth trends would be analyzed based on historical financial performance.
Future Projections: Future growth projections would require analyst estimates, which are not available at this time.
Recent Initiatives: Recent initiatives would be identified through press releases, investor presentations, and company filings.
Summary
HCI Group is a specialized insurer in the volatile Florida market, leveraging technology for risk management. Its concentration in Florida presents a significant risk. Success depends on effective underwriting, managing reinsurance costs, and capitalizing on growth opportunities amidst competition and regulatory changes. Continued profitability and risk diversification are key.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q), Company Website, Press Releases, Financial News Sources, Insurance Industry Reports
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share figures are estimates and may vary. Financial data needs to be updated from HCI Group's financial reporting.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About HCI Group Inc
Exchange NYSE | Headquaters Tampa, FL, United States | ||
IPO Launch date 2008-09-15 | Founder, Chairman, President & CEO Mr. Pareshbhai Suryakant Patel | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 552 | Website https://hcigroup.com |
Full time employees 552 | Website https://hcigroup.com | ||
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.
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