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HCI

9/9 Score

HCI Group, Inc.

Analysis Date: February 2, 2026

Buffettology Criteria

All 9 of 9 criteria passed

  • High ROE

    Return on Equity > 12%

    Value: 31.9%

  • High ROIC

    Return on Invested Capital > 9%

    Value: 21718.3%

  • Cash Machine

    FCF / Assets > 5%

    Value: 14.7%

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 11.3%

  • Share Buybacks

    Share Count is Dropping

    Value: -3.6%

  • Defensible Moat

    Gross Profit Margin > 40%

    Value: 48.8%

  • Simple Business

    Not in a speculative sector (e.g., Biotech)

    Value: Financial Services

  • Conservative Debt

    Debt to Equity < 1.5

    Value: 0.04x

  • Consistent Growth

    5-Year Growth is Positive

    Value: 213.7%

Analysis Summary

This HCI analysis paints a compelling picture, much like finding a well-tended farm with predictable harvests. The sky-high ROE and ROIC suggest a business that's generating a tremendous return on its capital, a sign of a strong economic engine. With a wide moat and conservative debt, it looks like the company has built a sturdy fortress around its earnings, making it a potentially sound addition to a long-term portfolio.

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