What is the 13F Pro Quality Score for HCI?

13F Pro ranks HCI Group, Inc. (HCI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View HCI's current score at https://13fpro.ai/research/HCI (free sign-up required for the full ranking).

Where does 13F Pro source HCI data?

All HCI Group, Inc. fundamentals and ownership data come directly from SEC EDGAR. HCI Group, Inc. files with the SEC under CIK 1400810. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is HCI in?

HCI Group, Inc. (HCI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives HCI's revenue?

Per HCI Group, Inc.'s latest 10-Q filed with the SEC on 2026-05-07, the biggest revenue drivers are: Insurance Operations ($211.9M, +3.6% YoY); Exzeo ($58.0M, +9.8% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/HCI.

What are HCI's largest expenses?

HCI Group, Inc.'s latest 10-Q reports these as the largest expense items: Losses and loss adjustment expenses ($65.6M, +10.6% YoY); General and administrative personnel expenses ($22.4M, +9.1% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is HCI research updated on 13F Pro?

HCI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

HCI Group, Inc.(HCI)Stock Analysis

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13F Pro Quality Score

76.8/100

Rank #96 of 2,879 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

83.1/100

Profitability

92.4/100

Balance Sheet

88.3/100

Earnings Quality

90.2/100

Free Cash Flow

93.2/100

Institutional Flow

5.5/100

Revenue Scale

47.4/100

Dilution Risk

52.1/100

HCI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for HCI Group, Inc. (HCI), a Financials sector company. 13F Pro's AI-powered ranking engine scores HCI at 76.8/100 on a 32-signal composite quality model, placing it at rank #96 of 2,879 stocks — the top 5% of the AI-ranked universe. HCI scores in the top quartile across free cash flow (93.2), profitability (92.4), earnings quality (90.2). Areas of concern include institutional flow (5.5), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), HCI Group, Inc. reports quarterly revenue of $242.9M, net income of $73.4M, an operating margin of 47.5%. Top institutional holders of HCI by reported 13-F value include BlackRock,, AMERICAN CENTURY COMPANIES, Hood River Capital Management, based on the most recent SEC filings. HCI trades on the NYSE exchange and files with the SEC under CIK 1400810. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate HCI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for HCI Group, Inc. directly from SEC EDGAR. HCI Group, Inc.'s 13F Pro composite quality score has ranged between 8 and 78 since 2021, currently 76.8 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about HCI Group, Inc.

Quirks, history, and lore behind HCI — the kind of stuff that makes a stock memorable.

1
The Basics
A Florida-based company in the property and casualty insurance sector · listed on the NYSE · focused on residential homeowners coverage.
2
The Numbers
A small-cap insurer with annual revenue in the hundreds of millions — not a giant, but it punches above its weight in one of the most storm-battered insurance markets in the U.S.
3
The History
Founded in the early 2000s, it grew rapidly by absorbing policies shed by Citizens Property Insurance, Florida's state-backed insurer of last resort, during a period of market turmoil.
4
The Secret
It doesn't just insure homes — it has diversified into real estate and technology ventures, including owning actual properties and building insurtech tools in-house.
5
The Lore
Operating in Florida hurricane country means reinsurance is basically a lifestyle — the company stacks layers of it like sandbags before every Atlantic storm season.
6
The Giveaway
Headquartered in Tampa, Florida, this homeowners insurer trades under a three-letter ticker that doubles as a casual way to say you've got something figured out.

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What's Driving HCI's Business? Latest 10-Q Breakdown

AI-extracted from HCI Group, Inc.'s 10-Q filed 2026-05-07 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income surged 15% YoY to $85.0M on 8.6% revenue growth driven by higher premium volumes and investment income, with net premiums earned rising 10.7% to $222.2M.

Biggest Revenue Drivers

Total revenue: $242.9M+12.2% YoY

Insurance Operations$211.9M+3.6% YoY

Higher volume of policies in force from Citizens policy assumptions in 2025; gross premiums earned $291.2M, up from $282.1M YoY.

Exzeo$58.0M+9.8% YoY

Technology and operations solutions revenue; includes service fees from insurance operations.

Largest Expense Items

Losses and loss adjustment expenses$65.6M+10.6% YoY

Higher volume of policies in force and weather-related events in the northeast during Q1 2026.

General and administrative personnel expenses$22.4M+9.1% YoY

Includes stock-based compensation expense of $3.4M.

Margins: Net combined ratio improved to 56.9% from 56.1% YoY, with gross loss ratio stable at 20.1% and expense ratio at 27.4%. Improved profitability driven by policy growth and investment income expansion.

Watch Items from the Filing

Reinsurance concentration: 67.8% of reinsurance recoverable ($269.9M) receivable from six reinsurers, including Florida Hurricane Catastrophe Fund; reinsurer insolvency could materially impact claims recovery.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$242.9M

Net Income

Q1 2026

$73.4M

Free Cash Flow

Q1 2026

$148.5M

Operating Margin

Q1 2026

47.5%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+36.2% YoY

$750.1MFY 2024

FY21 $407.9MFY22 $499.6MFY23 $550.7MFY24 $750.1M

Net Income

+39.1% YoY

$110.0MFY 2024

FY21 $1.9MFY22 $-54.6MFY23 $79.0MFY24 $110.0M

EPS (Diluted)

+16.7% YoY

$8.89FY 2024

FY21 $0.21FY22 $-6.24FY23 $7.62FY24 $8.89

Total Assets

+23.1% YoY

$2.23BFY 2024

FY21 $1.18BFY22 $1.80BFY23 $1.81BFY24 $2.23B

Total Debt

—FY 2024

FY21 —FY22 —FY23 —FY24 —

Op. Cash Flow

+43.9% YoY

$331.8MFY 2024

FY21 $96.5MFY22 $-12.0KFY23 $230.7MFY24 $331.8M

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2018	FY 2017
Revenue	$750.1M +36.2%	$550.7M +10.2%	$499.6M +22.5%	$407.9M +76.4%	$231.3M -5.4%	$244.4M
Net Income	$110.0M +39.1%	$79.0M +244.7%	$-54.6M -3042.0%	$1.9M -89.5%	$17.7M +357.1%	$-6.9M
EPS (Diluted)	$8.89 +16.7%	$7.62 +222.1%	$-6.24 -3071.4%	$0.21 -91.0%	$2.34 +412.0%	$-0.75
Total Assets	$2.23B +23.1%	$1.81B +0.4%	$1.80B +53.2%	$1.18B +41.3%	$832.9M -1.1%	$842.3M
Total Debt	—	—	—	—	—	$237.8M
Operating Cash Flow	$331.8M +43.9%	$230.7M +1922250.0%	$-12.0K -100.0%	$96.5M +237.5%	$28.6M +71.9%	$16.6M

AI Insight: HCI Financial Trends

HCI's equity base more than doubled to $1,089M over eight quarters while revenue and net income hit new highs in Q4 2025.

• Revenue grew from $162M in Q4 2024 to $246M in Q4 2025, a 52% year-over-year increase for the same quarter.

• Net income surged from $3M in Q4 2024 to $98M in Q4 2025, and held at $73M in Q1 2026 versus $70M in Q1 2025.

• Equity expanded from $447M in Q2 2024 to $1,089M in Q1 2026, reflecting significant retained earnings and/or capital raises.

• Operating cash flow is volatile: $-29M in Q2 2024, peaking at $162M in Q1 2025, then dropping to $27M in Q3 2025.

⚠ Op CF fell sharply to $27M in Q3 2025 despite $66M net income — cash conversion inconsistency warrants monitoring.

⚠ Total debt data is absent across all periods; leverage picture remains incomplete and is a key unknown.

⚠ Revenue dipped slightly to $243M in Q1 2026 from $246M in Q4 2025 — watch for sustained growth momentum.

AI Insight: HCI Ratio Trends

HCI's profitability rebounded sharply from hurricane-hit Q3–Q4 2024 lows, with Q4 2025 operating margin surging to 58.5% — the highest in the visible period.

• Operating margin collapsed to 3.6% in Q4 2024 then recovered strongly, hitting 58.5% in Q4 2025 — a 55pp swing.

• ROA stabilized in the 11–12% range across Q2 2025 through Q1 2026, suggesting consistent underlying asset productivity.

• ROIC peaked at 76.8% in Q1 2025 but has since declined to 42.4% in Q1 2026, compressing roughly 34pp over four quarters.

• Net profit margin held above 29% across Q1–Q4 2025 (ex-hurricane quarters), signaling durable underwriting profitability in benign loss periods.

⚠ ROIC dropped from 76.8% in Q1 2025 to 42.4% in Q1 2026 — a sustained deceleration worth monitoring for capital efficiency erosion.

⚠ Q3–Q4 2024 margin crashes (OpMargin: 8.0%, 3.6%) highlight severe hurricane-season exposure; recurrence risk remains a key watchpoint.

⚠ ROE declined from 53.3% in Q1 2025 to 27.0% in Q1 2026, partly reflecting equity base growth — trajectory warrants monitoring.

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Available Research

13F Pro tracks comprehensive data for HCI Group, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of HCI

BlackRock, Inc.
$253.8M1,641,318 sh
AMERICAN CENTURY COMPANIES INC
$96.7M625,373 sh
Hood River Capital Management LLC
$96.4M623,801 sh
Khrom Capital Management LLC
$89.7M580,268 sh
STATE STREET CORP
$61.6M398,511 sh
DIMENSIONAL FUND ADVISORS LP
$54.9M354,884 sh
Freestone Grove Partners LP
$53.1M343,386 sh
GEODE CAPITAL MANAGEMENT, LLC
$46.6M301,405 sh
Qube Research & Technologies Ltd
$37.4M241,659 sh
MORGAN STANLEY
$31.2M201,722 sh

Fund	Value	Shares
BlackRock, Inc.	$253.8M	1,641,318
AMERICAN CENTURY COMPANIES INC	$96.7M	625,373
Hood River Capital Management LLC	$96.4M	623,801
Khrom Capital Management LLC	$89.7M	580,268
STATE STREET CORP	$61.6M	398,511
DIMENSIONAL FUND ADVISORS LP	$54.9M	354,884
Freestone Grove Partners LP	$53.1M	343,386
GEODE CAPITAL MANAGEMENT, LLC	$46.6M	301,405
Qube Research & Technologies Ltd	$37.4M	241,659
MORGAN STANLEY	$31.2M	201,722

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Is HCI a good stock to buy?

13F Pro's AI-powered analysis of HCI Group, Inc. (HCI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for HCI are available on the HCI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own HCI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling HCI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of HCI Group, Inc.'s investment landscape.