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/company/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 2026-08-07, the biggest revenue drivers are: Net premiums earned ($219.0M, +9% YoY); Net investment income ($18.9M, +15% YoY); Other revenue ($5.1M, +100% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/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 ($71.1M, +10% YoY); General and administrative personnel expenses ($23.9M, +20% YoY); Policy acquisition and other underwriting expenses ($32.3M, +6% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 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

75.0/100

Rank #103 of 2,961 stocksTOP 5%

View Financials peers →

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

Revenue Growth

73.7/100

Profitability

94.0/100

Balance Sheet

89.5/100

Earnings Quality

57.1/100

Free Cash Flow

92.3/100

Institutional Flow

85.1/100

Revenue Scale

49.2/100

Dilution Risk

51.7/100

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Why HCI Scores 75/100

exact factor attribution · 2026-09-11

HCI's composite is driven by profitability and free cash flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.8 pts

94th pct

Free cash flow

+6.3 pts

92th pct

Revenue growth

+6.3 pts

74th pct

Capital efficiency

+5.3 pts

90th pct

Institutional flow

+2.3 pts

85th pct

Earnings growth

+2.3 pts

85th pct

Earnings quality

+0.7 pts

57th pct

Shareholder dilution

+0.1 pts

52th pct

Scale

-0.2 pts

49th pct

Latest change (2026-08-07): 77 → 72 · ↓ Revenue growth 83→61; ↓ Earnings growth 90→72

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

HCI Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 75.0/100 on a 32-signal composite quality model, placing it at rank #103 of 2,961 stocks — the top 5% of the AI-ranked universe. HCI scores in the top quartile across profitability (94.0), free cash flow (92.3), balance sheet strength (89.5). Based on the latest XBRL financial filings (Q2 2026), HCI Group, Inc. reports quarterly revenue of $246.7M, net income of $73.8M, an operating margin of 45.0%. Top institutional holders of HCI by reported 13-F value include BlackRock, Khrom Capital Management, VANGUARD 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 31 and 77 since 2021, currently 75.0 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

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 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Q2 net income rose 18% YoY to $82.9M on 6% gross premium growth to $320.8M, with combined ratio improving to 42.0% from 40.9% as policy volume expanded.

Biggest Revenue Drivers

Net premiums earned$219.0M+9% YoY

Higher volume of policies in force from Citizens assumption in Q1 and Q4 2025; average premium per policy relatively consistent.

Net investment income$18.9M+15% YoY

Increase in invested assets as portfolio grew.

Biggest Revenue Drivers

Total revenue: $246.7M+11% YoY

Net premiums earned$219.0M+9% YoY

Higher volume of policies in force from Citizens assumption in Q1 and Q4 2025; average premium per policy relatively consistent.

Net investment income$18.9M+15% YoY

Increase in invested assets as portfolio grew.

Other revenue$5.1M+100% YoY

Addition of new insurance carrier customers to Exzeo's technology platform.

Net realized and unrealized investment gains$1.97MN/A

Combination of net realized gains and unrealized gains on equity securities.

Largest Expense Items

Losses and loss adjustment expenses$71.1M+10% YoY

Increase driven by higher volume of policies in force.

General and administrative personnel expenses$23.9M+20% YoY

Additional personnel, annual merit increases, stock-based compensation, and lower reinsurance recoveries on catastrophe claims processing.

Policy acquisition and other underwriting expenses$32.3M+6% YoY

Higher volume of premiums in force; amortization of deferred acquisition costs and premium taxes.

Interest expense$1.1M-71% YoY

Conversion of $172.5M of 4.75% convertible senior notes in Q2 2025 reduced ongoing debt servicing.

Margins: Net combined ratio on gross premiums improved slightly to 42.0% from 40.9% YoY, driven by higher policy volume and stable underwriting performance despite claims severity reflecting hurricane season exposure and prior-year reserve development.

Watch Items from the Filing

HCI ownership of Exzeo diluted from 100% at IPO (Nov 2025) to 83.1% as of June 30, 2026; Exzeo's net income attributable to noncontrolling interests tripled YoY to $9.1M in Q2.
Gross loss ratio increased 90 basis points YoY to 22.2% in Q2 2026; prior-period reserve development included $100.9M reduction for 2025 and prior years.

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

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

Revenue

Q2 2026

$246.7M

Net Income

Q2 2026

$73.8M

Free Cash Flow

Q2 2026

$124.8M

Operating Margin

Q2 2026

45.0%

ROIC

Q2 2026

41.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+20.1% YoY

$900.9MFY 2025

FY22 $499.6MFY23 $550.7MFY24 $750.1MFY25 $900.9M

Net Income

+171.9% YoY

$299.0MFY 2025

FY22 $-58.5MFY23 $79.0MFY24 $110.0MFY25 $299.0M

EPS (Diluted)

+155.6% YoY

$22.72FY 2025

FY22 $-6.24FY23 $7.62FY24 $8.89FY25 $22.72

Total Assets

+13.4% YoY

$2.53BFY 2025

FY22 $1.80BFY23 $1.81BFY24 $2.23BFY25 $2.53B

Op. Cash Flow

+33.9% YoY

$444.4MFY 2025

FY22 $-12.0KFY23 $230.7MFY24 $331.8MFY25 $444.4M

Free Cash Flow

+34.5% YoY

$440.8MFY 2025

FY22 $-6.4MFY23 $224.2MFY24 $327.8MFY25 $440.8M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$900.9M +20.1%	$750.1M +36.2%	$550.7M +10.2%	$499.6M +22.5%	$407.9M +31.4%	$310.4M
Net Income	$299.0M +171.9%	$110.0M +39.1%	$79.0M +235.1%	$-58.5M -3252.5%	$1.9M -93.3%	$27.6M
EPS (Diluted)	$22.72 +155.6%	$8.89 +16.7%	$7.62 +222.1%	$-6.24 -3071.4%	$0.21 -94.0%	$3.49
Total Assets	$2.53B +13.4%	$2.23B +23.1%	$1.81B +0.4%	$1.80B +53.2%	$1.18B +25.0%	$941.3M
Operating Cash Flow	$444.4M +33.9%	$331.8M +43.9%	$230.7M +1922250.0%	$-12.0K -100.0%	$96.5M +24.8%	$77.3M
Free Cash Flow	$440.8M +34.5%	$327.8M +46.2%	$224.2M +3628.3%	$-6.4M -106.8%	$93.2M +31.5%	$70.9M

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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.
$323.1M1,843,638 sh
Khrom Capital Management LLC
$121.1M690,749 sh
VANGUARD CAPITAL MANAGEMENT LLC
$83.7M477,702 sh
STATE STREET CORP
$74.4M424,559 sh
AMERICAN CENTURY COMPANIES INC
$72.9M415,740 sh
DIMENSIONAL FUND ADVISORS LP
$71.8M409,716 sh
GEODE CAPITAL MANAGEMENT, LLC
$52.3M298,370 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$48.5M276,525 sh
Qube Research & Technologies Ltd
$42.3M241,129 sh
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$41.4M236,105 sh

Fund	Value	Shares
BlackRock, Inc.	$323.1M	1,843,638
Khrom Capital Management LLC	$121.1M	690,749
VANGUARD CAPITAL MANAGEMENT LLC	$83.7M	477,702
STATE STREET CORP	$74.4M	424,559
AMERICAN CENTURY COMPANIES INC	$72.9M	415,740
DIMENSIONAL FUND ADVISORS LP	$71.8M	409,716
GEODE CAPITAL MANAGEMENT, LLC	$52.3M	298,370
VANGUARD PORTFOLIO MANAGEMENT LLC	$48.5M	276,525
Qube Research & Technologies Ltd	$42.3M	241,129
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	$41.4M	236,105

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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. HCI is classified as a mid company.

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.