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Florida-focused homeowners insurance holding company, also active in reinsurance, real estate and insurance technology.
Florida-focused homeowners insurance holding company, also active in reinsurance, real estate and insurance technology.
Collects homeowners premiums and keeps what is left after claims and the reinsurance it buys to cover hurricanes, so storm losses and reinsurance cost matter as much as policy growth. It grew partly by taking over policies from Citizens, Florida's state-backed insurer of last resort. TypTap sells policies online.
Moat: narrow (regulatory licence, process know-how). Deep Florida catastrophe-underwriting experience and reinsurance relationships are hard to replicate quickly.
Headquarters: Tampa, Florida, US · Founded: 2006 · Employees: 594
Size HCI (HCI) is a United States Financials company (Property/Casualty Insurance) with a market value of $2.31B, the 1707th largest of 3,117 United States companies the cockpit tracks. Shares closed at $186.03 on 6 Nov 2026.
Performance Over six months the shares gained 22.2%, against +18.9% for the median peer and -1.1% for the United States market (cap-weighted) — 8th highest of 21 in its peer set.
Growth Revenue grew 22.8% over the last twelve months (peer median +7.3%); the operating margin is 51.0% (peer median 21.0%).
Valuation It trades at 2.15× book value against a peer median of 1.69× (6th most expensive of 21).
Price implies The share price implies a return on equity of about 17.3%; HCI delivers 33.8%, so the price asks less than the business earns today.
Short interest Short interest is 4.7% of the free float (15 Oct 2026).
Next results Next results expected around 11 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $952M | $901M | $750M | $551M | $500M |
| Revenue growth | — | +20% | +36% | +10% | — |
| Net income | $310M | $299M | $110M | $79.0M | -$58.5M |
| Free cash flow | $412M | $443M | $331M | $227M | -$566,000 |
| Capital expenditure | $2.00M | $3.63M | $4.05M | $8.29M | $10.1M |
| Total debt | $67.5M | $67.9M | $230M | $210M | $212M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| HCI HCI | $2.31B | +22% | +23% | 34% | 2.15× | 17.3% |
| Universal Insurance UVE | $1.29B | +19% | +6% | 41% | 2.00× | 13.1% |
| Heritage Insurance HRTG | $984M | +48% | +2% | 42% | 1.64× | 14.1% |
| American Coastal Insurance ACIC | $475M | -5% | -5% | 26% | 1.33× | 7.5% |
| Slide Insurance SLDE | $3.04B | +41% | +42% | 51% | 2.34× | 10.8% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | HCI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -3.3% | +2.3% | 7th lowest of 21 |
| 6-month return | +22.2% | +18.9% | 8th highest of 21 |
| Return on equity | 33.8% | 15.8% | 4th highest of 20 |
| Price / book | 2.15× | 1.69× | 6th most expensive of 21 |
| Trailing P/E | 8.0× | 9.7× | 8th cheapest of 19 |
| ROE the price implies | 17.3% | 9.4% | 5th most demanding of 21 |
| ROE delivered | 33.8% | 18.4% | 4th highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| HCI HCI | United States | $2.31B | +22% | +23% | 34% | 2.15× | 17.3% | 33.8% |
| Hyundai M&F INS 001450.KS | South Korea | $2.29B | +38% | -5% | 21% | 0.51× | 4.2% | 21.0% |
| Porch PRCH | United States | $2.26B | +80% | +20% | n/a | 345.11× | 5,821.2% | n/a |
| Lancashire LRE.L | United Kingdom | $2.24B | +18% | -2% | 22% | 1.49× | 12.7% | 21.8% |
| Horace Mann Educators HMN | United States | $2.16B | +20% | +4% | 12% | 1.46× | 7.9% | n/a |
| Zenkoku Hosho 7164.T | Japan | $2.69B | +1% | +2% | 14% | 1.74× | 6.2% | 14.1% |
| Kemper KMPR | United States | $1.97B | +10% | -4% | -19% | 0.90× | 9.4% | -19.3% |
| NMI NMIH | United States | $2.94B | 0% | +8% | 15% | 1.10× | 7.9% | 15.4% |
| SiriusPoint SPNT | United States | $3.06B | +12% | +23% | 23% | 1.34× | 9.5% | 23.1% |
| Safety Insurance SAFT | United States | $1.53B | +46% | +7% | 8% | 1.75× | 8.9% | 7.8% |
| Shinkong Insurance 2850.TW | Taiwan | $1.51B | +21% | +22% | 24% | 2.27× | 6.6% | 24.0% |
| Palomar PLMR | United States | $4.10B | +37% | +60% | 22% | 4.16× | 17.0% | 22.2% |
| Universal Insurance UVE | United States | $1.29B | +19% | +6% | 41% | 2.00× | 13.1% | 40.8% |
| Protector Forsikring PROT.OL | Norway | $4.19B | +4% | +12% | 35% | 5.34× | 18.1% | 35.2% |
| Accelerant ARX | United States | $4.32B | +19% | +55% | -380% | 6.01× | 23.2% | -380.1% |
| United Fire UFCS | United States | $1.23B | -1% | +11% | 15% | 1.31× | 9.0% | 14.9% |
| Mercury General MCY | United States | $4.58B | -17% | +5% | 26% | 1.63× | 13.7% | 25.5% |
| Ategrity Specialty Insurance ASIC | United States | $1.16B | +23% | +30% | 16% | 1.89× | 9.3% | 15.8% |
| Heritage Insurance HRTG | United States | $984M | +48% | +2% | 42% | 1.64× | 14.1% | 41.7% |
| Hippo HIPO | United States | $929M | +28% | +21% | 7% | 1.98× | 22.6% | 7.2% |
| MGIC Investment MTG | United States | $5.87B | +7% | -2% | 14% | 1.18× | 8.9% | 13.9% |