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HCI

9/9 Score

HCI Group, Inc.

Analysis Date: February 21, 2026

HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, reinsurance, real estate, and information technology businesses in Florida. It provides residential insurance products, such as homeowners, fire, flood, and wind-only insurance to homeowners, condominium owners, and tenants for properties, as well as offers reinsurance programs. The company also owns and operates waterfront properties and retail shopping centers, and an office building, as well as commercial properties for investment purposes. In addition, it designs and develops web-based applications and products for mobile devices, 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.

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: 9.2%

  • Cash Machine

    FCF / Assets > 5%

    Value: 14.7%

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 11.5%

  • 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

HCI shows a strong grip on profitability with its high ROE and ROIC, indicating it's earning a good return on its capital. The company's moat appears quite substantial, and it's managing its debt with impressive prudence. While growth is modest, the overall picture suggests a well-run business that’s generating more cash than it consumes, a characteristic I always appreciate.

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