NYSE · Financial · Insurance - Property & Casualty · USA
HCI Group Inc is a mid cap company (market value between $2 billion and $10 billion) in the Insurance - Property & Casualty industry.
HCI Group provides homeowners' property and casualty insurance products primarily in Florida and other northeastern and southeastern states. The company operates through insurance subsidiaries, Exzeo which provides technology solutions for insurers, reciprocal insurance exchanges, and a commercial real estate group.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the HCI Group Inc stock.
Undervalued: intrinsic value $270.65 per share, market price $204.28, margin of safety 24.5% (as of 2026-10-20).
Book value at 2.50x, the multiple a 33.8% return on equity justifies, blended with earnings, values the shares at $270.65; the price of $204.28 is 25% below that value.
Leak Score: 85/100 on 10 of 12 signals (Strong Leak).
17 more funds hold it; the full list is part of the paid plan.
All 45 Insurance - Property & Casualty stocks
11 more in this industry show a wider margin of safety.
HCI is undervalued (as of the 2026-10-20 close). Book value at 2.50x, the multiple a 33.8% return on equity justifies, blended with earnings, values the shares at $270.65; the price of $204.28 is 25% below that value.
$270.65 per share (as of the 2026-10-20 close), against a market price of $204.28. That is a margin of safety of 24.5%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
85 out of 100, which we rate "Strong Leak", on 10 of 12 value investing signals.