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Upturn AI SWOT - About
HCI 
HCI Group Inc (HCI)
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Upturn Advisory Summary
10/14/2025: HCI (3-star) is a STRONG-BUY. BUY since 42 days. Simulated Profits (26.83%). Updated daily EoD!
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 158.16% | Avg. Invested days 67 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.44B USD | Price to earnings Ratio 16.47 | 1Y Target Price 202.5 |
Price to earnings Ratio 16.47 | 1Y Target Price 202.5 | ||
Volume (30-day avg) 5 | Beta 1.16 | 52 Weeks Range 103.76 - 199.00 | Updated Date 10/13/2025 |
52 Weeks Range 103.76 - 199.00 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 0.87% | Basic EPS (TTM) 11.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 16.47 | Forward PE 11.52 | Enterprise Value 1528888107 | Price to Sales(TTM) 3.14 |
Enterprise Value 1528888107 | Price to Sales(TTM) 3.14 | ||
Enterprise Value to Revenue 1.97 | Enterprise Value to EBITDA - | Shares Outstanding 12959794 | Shares Floating 5158592 |
Shares Outstanding 12959794 | Shares Floating 5158592 | ||
Percent Insiders 17.76 | Percent Institutions 79.68 |
Upturn AI SWOT
HCI Group Inc
Company Overview
History and Background
HCI Group, Inc. was founded in 2006. It is a holding company primarily engaged in property and casualty insurance, reinsurance, real estate, and information technology businesses. The company initially focused on providing homeowners insurance in Florida and has since expanded geographically and diversified its offerings.
Core Business Areas
- Property and Casualty Insurance: HCI Group's primary business segment involves providing residential property insurance, primarily in Florida. They offer coverage for homeowners and condominium owners.
- Reinsurance: The company provides reinsurance coverage, helping other insurers manage their risk.
- Real Estate: HCI Group has real estate investments and development projects.
- Information Technology: The company provides IT services and solutions through its subsidiaries.
Leadership and Structure
HCI Group is led by Paresh Patel (CEO). The organizational structure includes various divisions corresponding to its core business areas, with executive leadership overseeing each division.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: HCI's primary product is homeowners insurance in Florida. Market share is subject to fluctuating claims and market conditions. Competitors include Universal Insurance Holdings (UIHC), Heritage Insurance Holdings (HRTG) and Federated National Holding Company (FNHC).
- Condominium Insurance: HCI offers insurance policies for condominium owners and associations in the Florida market. Similar competitors as the homeowner's insurance market.
- Reinsurance Solutions: HCI's reinsurance offerings provide risk management for other insurance carriers. The competitors include Everest Re Group, Ltd. (RE), RenaissanceRe Holdings Ltd. (RNR) and PartnerRe Ltd.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory oversight, particularly in states like Florida prone to natural disasters. Reinsurance is a global market driven by risk transfer and capital efficiency. The IT business offers a diverse landscape with growing demand for tech support.
Positioning
HCI Group is positioned as a specialist insurer with a focus on the Florida market. Its competitive advantages include its experience in managing risk in a challenging environment, its diversified business model, and its investment in IT infrastructure.
Total Addressable Market (TAM)
The TAM for property and casualty insurance and reinsurance is immense, encompassing trillions of dollars globally. HCI Group focuses on specific segments, like Florida homeowners insurance, and the TAM size for this would be based on the aggregate property value in the area and the amount of insurance coverage. The TAM for this is several billions. HCI Group is positioned with a portion of this TAM, but is susceptible to market conditions.
Upturn SWOT Analysis
Strengths
- Specialized expertise in the Florida insurance market
- Diversified business model (insurance, reinsurance, real estate, IT)
- Strong IT infrastructure
- Established distribution network
Weaknesses
- Geographic concentration in Florida makes it vulnerable to hurricanes
- Exposure to volatile reinsurance markets
- Smaller size compared to national insurance carriers
Opportunities
- Geographic expansion into other coastal states
- Growth in reinsurance demand
- Increased demand for IT services
- Partnerships and acquisitions to expand capabilities
Threats
- Increased frequency and severity of natural disasters
- Regulatory changes in the insurance industry
- Intense competition from larger insurance companies
- Economic downturn affecting real estate investments
Competitors and Market Share
Key Competitors
- UIHC
- HRTG
- FNHC
Competitive Landscape
HCI Group competes with larger, national insurance companies, as well as regional specialists. Its advantages include its local expertise and technology, but it faces challenges in terms of scale and resources.
Major Acquisitions
United Property & Casualty Insurance Company (UPC)
- Year: 2023
- Acquisition Price (USD millions): 15
- Strategic Rationale: HCI Group aquired renewal rights for UPC in several states. This acquisition aimed to expand HCI Group's market presence and customer base by assuming responsibility for the renewal of existing policies.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been influenced by geographic expansion and diversification of its business segments.
Future Projections: Future growth is dependent on successfully expanding into new markets and managing risk effectively.
Recent Initiatives: Recent initiatives include investment in IT infrastructure and strategic acquisitions.
Summary
HCI Group is a specialized insurer focused on the Florida market, leveraging technology and diversification to manage risk. The company's geographic concentration makes it vulnerable to hurricanes, but it has shown resilience in navigating the challenging environment. Recent strategic acquisitions have aided in geographic growth and market expansion. Managing costs will be key to future financial performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market conditions and company performance are subject to change. Financial values provided are only estimates.
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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