HCI Group, Inc. (HCI)

HCI Group's stock price has experienced fluctuations over the past six months, reaching an all-time high of $205.38 on October 24, 2025. As of May 7, 2026, the stock had seen a 2.1% decline over the last 7 days, a 1.1% gain over the last month, and a 15.8% decline year-to-date. Key events impacting the stock include strong Q4 2025 earnings, a quarterly cash dividend declaration, an $80 million stock repurchase program, and record first-quarter 2026 results.

Demand for HCI Group's insurance products and services is significantly influenced by seasonality related to hurricane seasons. The company's strategic completion of catastrophe reinsurance programs annually addresses the seasonal risks associated with hurricanes, indicating that demand for their insurance and reinsurance services is likely to be higher in anticipation of and during the active hurricane season.

HCI Group, Inc. is a diversified holding company operating in the Finance sector, specifically in the Property & Casualty Insurance industry. The company provides residential insurance products, including homeowners, fire, flood, and wind-only insurance, through subsidiaries like Homeowners Choice Property & Casualty Insurance Company, Inc. and TypTap Insurance Company. HCI also offers information technology solutions through its Exzeo division, which develops software for the insurance industry, and engages in reinsurance through Claddaugh Casualty Insurance Company Ltd. Additionally, the company is involved in real estate operations in Florida.

HCI Group's insurance operations have a significant presence in Florida, particularly in high-risk coastal regions, and has expanded its TypTap insurance offerings to North and South Carolina. Its technology segment, Exzeo, provides SaaS solutions nationwide. HCI's reinsurance activities involve a global network of partners, while its real estate division primarily owns, manages, and develops commercial properties in Florida.

HCI Group has maintained a positive brand reputation, holding an "A" rating from AM Best. The company's commitment to not increasing rates in Florida for 2025 and the successful completion of its catastrophe reinsurance programs for the 2025-2026 treaty year underscore confidence in its underwriting quality and risk management. Strong financial performance, including record earnings in 2025 and Q1 2026, also contributes positively to its reputation.

HCI Group, Inc. has a diverse ownership structure, with institutional investors holding a significant portion of the shares. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc, Hood River Capital Management LLC, American Century Companies Inc, Khrom Capital Management Llc, State Street Corp, Driehaus Capital Management Llc, Dimensional Fund Advisors Lp, Freestone Grove Partners LP, and Geode Capital Management, Llc. Institutions own approximately 66.5% to 81.01% of the company, individual insiders hold around 10.97% to 14.4%, and retail investors own about 8.01%. Krishna Persaud is the largest individual shareholder, owning 3.45% of the company's shares.