HCI Group, Inc. HCI | NYSE
$197.55
$5.86 | 3.06%
TREND SIGNAL:
|2026-10-08
|2026-10-08
Company Overview:
Market Cap:
$2.46B
Trailing PE:
8.5x
FWD PE *:
9.9x
Payout Ratio (TTM):
6.0%
52-Week Range:
$144.75 - $210.50
* Forward PE is based on street estimates.
10 Year HCI Performance Metrics:
Total Return (with DRIP):
783% (24.34% CAGR)
Total Return (no DRIP):
635% (22.08% CAGR)
Share Price:
581% (21.16% CAGR)
Yield on Cost (with DRIP):
7.15%
Total Invested:
$10,000
Total Value (with DRIP):
$88,330
Total Return $ (with DRIP):
$78,330
Dividend Increase:
14.3% (1.38% CAGR)
Dividend Yield (FWD):
0.81% ($1.60)
HCI 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
HCI Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
HCI Price CAGR:1Y: 5.03%2Y: 33.02%5Y: 8.08%10Y: 20.99%
HCI Dividend Charts
HCI Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 2.92%
HCI Dividend Payout Ratio CAGR:1Y: -1.36%2Y: -5.53%5Y: -48.78%10Y: -17.38%
HCI Dividend to FCF Ratio CAGR:1Y: 27.35%2Y: 0.00%5Y: -8.48%10Y: -5.65%
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HCI Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
HCI Revenue CAGR:1Y: 11.16%2Y: 9.37%5Y: 19.44%10Y: 14.90%
HCI EPS CAGR:1Y: 8.11%2Y: 14.92%5Y: 87.76%10Y: 22.94%
HCI Net Income CAGR:1Y: 25.30%2Y: 23.82%5Y: 112.53%10Y: 28.57%
HCI EBITDA CAGR:1Y: 11.13%2Y: 18.73%5Y: 67.47%10Y: 22.40%
HCI Free Cash Flow CAGR:1Y: -13.60%2Y: 0.00%5Y: 16.20%10Y: 11.28%
HCI Free Cash Flow / Share CAGR:1Y: -13.60%2Y: 0.00%5Y: 6.94%10Y: 9.15%
HCI Operating Income CAGR:1Y: 17.57%2Y: -21.75%5Y: 5.19%10Y: 33.06%
HCI Gross Profit CAGR:1Y: 38.31%2Y: -6.00%5Y: 12.66%10Y: 11.97%
HCI Shares Outstanding CAGR:1Y: -1.75%2Y: -0.15%5Y: 9.75%10Y: 1.50%
HCI Share Buybacks CAGR:1Y: 141,766.67%2Y: 1,091.08%5Y: 121.13%10Y: 26.99%
HCI Stock-Based Comp CAGR:1Y: 23.90%2Y: 18.55%5Y: -4.28%10Y: 13.19%
HCI Expenses CAGR:1Y: -44.44%2Y: -48.49%5Y: -12.88%10Y: 3.13%
HCI Revenue CAGR:1Y: 11.16%2Y: 9.37%5Y: 19.44%10Y: 14.90%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
HCI Actual Revenue CAGR:1Y: 11.16%2Y: 9.37%5Y: 19.44%10Y: 14.90%
HCI Actual EPS CAGR:1Y: 8.11%2Y: 14.92%5Y: 87.76%10Y: 22.94%
HCI Actual Net Income CAGR:1Y: 25.30%2Y: 23.82%5Y: 112.53%10Y: 28.57%
HCI Actual EBITDA CAGR:1Y: 11.13%2Y: 18.73%5Y: 67.47%10Y: 22.40%
Ratios, Profit Margins & Return on Capital:
HCI Net Profit Margin CAGR:1Y: 0.37%2Y: 6.82%5Y: 73.92%10Y: 10.60%
HCI Gross Profit Margin CAGR:1Y: 24.46%2Y: -14.05%5Y: -5.67%10Y: -2.55%
HCI Price to Earnings CAGR:1Y: 10.96%2Y: 32.95%5Y: -40.04%10Y: -2.28%
HCI Price To Sales Ratio CAGR:1Y: 3.61%2Y: 34.20%5Y: 1.90%10Y: 6.87%
HCI Return on Capital Employed CAGR:1Y: -60.84%2Y: -47.83%5Y: -12.02%10Y: 15.85%
HCI Return on Invested Capital CAGR:1Y: -61.19%2Y: -48.29%5Y: -17.19%10Y: 13.30%
HCI Dividends Info:
Annual Dividend:
$1.6
Forward Yield:
0.81%
Ex-Dividend Date:
2026-08-21
Lifetime Dividends / Share:
$21.65
HCI Dividend History: Dates, Payments & Yield list
Below is a schedule of all HCI dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 08/21/2026 | 09/18/2026 | $0.400 | 0.88% | 0.85% | $187.67 |
| 05/15/2026 | 06/18/2026 | $0.400 | 1.02% | 0.98% | $163.63 |
| 02/20/2026 | 03/20/2026 | $0.400 | 1.02% | 1.06% | $151.55 |
| 11/21/2025 | 12/19/2025 | $0.400 | 0.92% | 0.84% | $189.94 |
| 08/15/2025 | 09/19/2025 | $0.400 | 1.02% | 0.88% | $181.27 |
| 05/16/2025 | 06/20/2025 | $0.400 | 0.96% | 1.09% | $146.99 |
| 02/21/2025 | 03/21/2025 | $0.400 | 1.36% | 1.17% | $136.57 |
| 11/15/2024 | 12/20/2024 | $0.400 | 1.43% | 1.41% | $113.37 |
| 08/16/2024 | 09/20/2024 | $0.400 | 1.67% | 1.52% | $105.04 |
| 05/16/2024 | 06/21/2024 | $0.400 | 1.58% | 1.75% | $91.18 |
| 02/15/2024 | 03/15/2024 | $0.400 | 1.64% | 1.44% | $111.36 |
| 11/16/2023 | 12/15/2023 | $0.400 | 1.97% | 1.87% | $85.67 |
| 08/17/2023 | 09/15/2023 | $0.400 | 2.85% | 3.05% | $52.41 |
| 05/18/2023 | 06/16/2023 | $0.400 | 2.83% | 2.77% | $57.72 |
| 02/16/2023 | 03/17/2023 | $0.400 | 3.19% | 3.01% | $53.20 |
| 11/17/2022 | 12/16/2022 | $0.400 | 4.16% | 4.84% | $33.04 |
| 08/18/2022 | 09/16/2022 | $0.400 | 2.83% | 3.14% | $50.99 |
| 05/16/2022 | 06/17/2022 | $0.400 | 2.48% | 2.58% | $62.08 |
| 02/17/2022 | 03/18/2022 | $0.400 | 2.54% | 2.32% | $69.03 |
| 11/18/2021 | 12/17/2021 | $0.400 | 1.28% | 1.78% | $89.71 |
| 08/19/2021 | 09/17/2021 | $0.400 | 1.52% | 1.48% | $108.07 |
| 05/20/2021 | 06/18/2021 | $0.400 | 2.09% | 1.73% | $92.56 |
| 02/18/2021 | 03/19/2021 | $0.400 | 2.69% | 2.19% | $73.01 |
| 11/19/2020 | 12/18/2020 | $0.400 | 3.11% | 3.04% | $52.59 |
| 08/20/2020 | 09/18/2020 | $0.400 | 2.9% | 3.03% | $52.79 |
| 05/14/2020 | 06/19/2020 | $0.400 | 4% | 3.6% | $44.47 |
| 02/20/2020 | 03/20/2020 | $0.400 | 3.5% | 4.73% | $33.80 |
| 11/14/2019 | 12/20/2019 | $0.400 | 3.57% | 3.4% | $47.06 |
| 08/15/2019 | 09/20/2019 | $0.400 | 3.9% | 3.8% | $42.10 |
| 05/16/2019 | 06/21/2019 | $0.400 | 3.82% | 3.93% | $40.76 |
| 02/14/2019 | 03/15/2019 | $0.400 | 3.39% | 3.76% | $42.58 |
| 11/15/2018 | 12/21/2018 | $0.375 | 2.81% | 3.08% | $48.75 |
| 08/16/2018 | 09/21/2018 | $0.375 | 3.66% | 3.5% | $42.85 |
| 05/17/2018 | 06/15/2018 | $0.375 | 3.54% | 3.41% | $44.04 |
| 02/15/2018 | 03/16/2018 | $0.350 | 3.96% | 3.52% | $39.81 |
| 11/16/2017 | 12/15/2017 | $0.350 | 4.64% | 4.78% | $29.30 |
| 08/16/2017 | 09/15/2017 | $0.350 | 3.5% | 3.71% | $37.73 |
| 05/17/2017 | 06/16/2017 | $0.350 | 3.2% | 2.98% | $46.92 |
| 02/15/2017 | 03/17/2017 | $0.350 | 3.12% | 2.99% | $46.81 |
| 11/16/2016 | 12/16/2016 | $0.300 | 3.79% | 3.17% | $37.81 |
| 08/17/2016 | 09/16/2016 | $0.300 | 3.91% | 3.95% | $30.37 |
| 05/18/2016 | 06/17/2016 | $0.300 | 3.72% | 4.31% | $27.85 |
| 02/17/2016 | 03/18/2016 | $0.300 | 3.55% | 3.72% | $32.24 |
| 11/18/2015 | 12/18/2015 | $0.300 | 2.98% | 3.71% | $32.35 |
| 08/19/2015 | 09/18/2015 | $0.300 | 2.87% | 3.15% | $38.13 |
| 05/13/2015 | 06/19/2015 | $0.300 | 2.66% | 2.75% | $43.71 |
| 02/18/2015 | 03/20/2015 | $0.300 | 2.58% | 2.61% | $46.05 |
| 11/19/2014 | 12/19/2014 | $0.275 | 2.74% | 2.39% | $45.97 |
| 08/13/2014 | 09/19/2014 | $0.275 | 2.73% | 2.87% | $38.37 |
| 05/14/2014 | 06/20/2014 | $0.275 | 2.76% | 2.67% | $41.20 |
| 02/19/2014 | 03/21/2014 | $0.275 | 2.66% | 3% | $36.70 |
| 11/13/2013 | 12/20/2013 | $0.275 | 2.44% | 2.15% | $51.20 |
| 08/14/2013 | 09/20/2013 | $0.225 | 2.62% | 2.45% | $36.67 |
| 05/15/2013 | 06/21/2013 | $0.225 | 2.8% | 2.85% | $31.58 |
| 02/13/2013 | 03/15/2013 | $0.450 | 8.42% | 7.11% | $25.30 |
| 11/14/2012 | 12/21/2012 | $0.325 | 6.76% | 6.17% | $21.06 |
| 08/15/2012 | 09/21/2012 | $0.200 | 3.87% | 3.42% | $23.38 |
| 05/15/2012 | 06/15/2012 | $0.200 | 5.32% | 5.28% | $15.14 |
| 02/15/2012 | 03/16/2012 | $0.150 | 5.48% | 5.09% | $11.79 |
| 11/29/2011 | 12/16/2011 | $0.225 | 11.32% | 11.38% | $7.91 |
| 08/17/2011 | 09/16/2011 | $0.100 | 6.4% | 6.38% | $6.27 |
| 05/18/2011 | 06/17/2011 | $0.100 | 5.15% | 5.92% | $6.76 |
| 02/16/2011 | 03/18/2011 | $0.100 | 4.8% | 5% | $8.00 |
| 11/17/2010 | 12/20/2010 | $0.300 | 14.04% | 14.81% | $8.10 |
Projected Future Returns & Dividends for HCI
Based on past 10-year performance, here are HCI growth metrics:
Share price CAGR of +20.99%
Dividend CAGR of +2.92%
Using HCI CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| HCI (DRIP) | HCI - No DRIP | |
|---|---|---|
| Current Price | $197.55 | $197.55 |
| Start Shares | 50.62 | 50.62 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 52.87 | 50.62 |
| Dividends Payment | $0.53 | $0.53 |
| Annual Dividends | $113 | $108 |
| Yield on cost | 1.13% | 1.08% |
| Share Price | $1,327.87 | $1,327.87 |
| Total Dividends | $951 | $925 |
| Final Value | $70,201 | $68,142 |
Estimated Future Value + Dividends - HCI
NOTE: Above numbers are our estimate based on HCI's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
HCI Group, Inc. (HCI) had its IPO on 2008-09-15, and is traded on NYSE stock exchange.
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, the end-to-end claims management system ClaimColony, and the mapping and data visualization tool AtlasViewer.
HCI website: https://hcigroup.com
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DCF Model — HCI
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vs current price $197.55
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Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
