HCI Group, Inc. (HCI)
ValueMarkers Composite Index
37% below intrinsic value ($237)
HCI Group, Inc. (HCI) — VMCI valuation read
HCI Group, Inc. (HCI) carries a VMCI composite of 71/100, 21 points above the Financial Services sector median of 50. Among mid-cap names, that gap places HCI in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The HCI insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads HCI trades at 18.0x earnings, 0% above the Financial Services median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Financial Services 12.0x. Quality: ROIC of 10.0% sits 0.0pp above the Financial Services median (10.0%). Risk: net debt to EBITDA of 2.5x is the rate-sensitivity line to watch, the line to track on HCI Group, Inc.'s next 10-Q.
HCI rose 2.9% over the trailing 7 days, with a -10.7% read on a 30-day basis.
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.
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