HCI Group, Inc. (HCI)

In the past six months, HCI Group's stock has experienced several notable events and movements, including a 27% increase. The company reported strong Q2 2025 earnings, surpassing analyst expectations with an EPS of $5.18 and revenue of $221.9 million. HCI Group declared a regular quarterly cash dividend of $0.40 per common share. Exzeo Group, Inc., HCI's technology subsidiary, launched its initial public offering (IPO). Zacks Research upgraded HCI Group from a "hold" to a "strong-buy" rating, while Wall Street Zen lowered its rating from "strong-buy" to "buy". HCI's shares traded above the average analyst 12-month target price, reaching $206.37 per share, and reached a new 52-week high of $199.00. HCI Group announced its Q3 2025 earnings call for November 6, 2025.

Demand for HCI Group, Inc.'s property and casualty insurance is influenced by seasonality, particularly in Florida due to hurricane season. The insurance business is cyclical, benefiting from "hard markets" with strong premium rate increases. The company's technology solutions see increased demand during periods of heightened insurance activity. Specific seasonality trends for the real estate division were not detailed.

HCI Group, Inc. is a diversified holding company based in Tampa, Florida, with operations in property and casualty insurance, insurance management, reinsurance, real estate, and information technology, primarily focusing on property and casualty insurance. HCI offers residential insurance such as homeowners, fire, flood, and wind-only insurance, and develops technology solutions like SAMS, Harmony, ClaimColony, and AtlasViewer through its Exzeo division. The company also owns, manages, and develops commercial properties.

HCI Group, Inc. primarily operates its insurance business in Florida, with subsidiaries authorized to underwrite insurance products in Florida and other states. The real estate division owns, manages, and develops commercial properties within Florida.

HCI Group's brand reputation presents a mixed picture, with strengths in offering diverse insurance products and leveraging technology. However, there are occasional inconsistencies in customer service experiences and potentially higher premiums. Some older customer reviews indicate dissatisfaction related to billing and claims processing, with issues reported regarding debt creation and unresponsiveness.

Institutional investors hold a significant portion of HCI Group, Inc.'s stock, ranging from approximately 86.60% to 86.99%. Major institutional owners include BlackRock, Inc., Hood River Capital Management LLC, Khrom Capital Management Llc, The Vanguard Group, Inc., American Century Companies Inc, and Driehaus Capital Management LLC. The largest individual shareholder is Krishna Persaud, who owns 3.81% of the company's shares.