HCI Group, Inc.(HCI)Stock Analysis
AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →13F Pro Quality Score
Rank #96 of 2,879 stocksTOP 5%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
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.
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
Higher volume of policies in force from Citizens policy assumptions in 2025; gross premiums earned $291.2M, up from $282.1M YoY.
Technology and operations solutions revenue; includes service fees from insurance operations.
Largest Expense Items
Higher volume of policies in force and weather-related events in the northeast during Q1 2026.
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.
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% YoYNet Income
+39.1% YoYEPS (Diluted)
+16.7% YoYTotal Assets
+23.1% YoYTotal Debt
Op. Cash Flow
+43.9% YoY| 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 |
Get alerted when HCI's score changes
Free account: watchlist tracking, the daily AI brief, and the AI screener.
Available Research
13F Pro tracks comprehensive data for HCI Group, Inc. including:
Top Institutional Holders of HCI
BlackRock, Inc.
$253.8M1,641,318 shAMERICAN CENTURY COMPANIES INC
$96.7M625,373 shHood River Capital Management LLC
$96.4M623,801 shKhrom Capital Management LLC
$89.7M580,268 shSTATE STREET CORP
$61.6M398,511 shDIMENSIONAL FUND ADVISORS LP
$54.9M354,884 shFreestone Grove Partners LP
$53.1M343,386 shGEODE CAPITAL MANAGEMENT, LLC
$46.6M301,405 shQube Research & Technologies Ltd
$37.4M241,659 shMORGAN 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 |
More Financials Companies
View all Financials →Put HCI on your watchlist
Track score changes the day HCI Group, Inc. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.
Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).
Popular Research
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.