HCI Group

HCI

Insurance - Property & Casualty · Financial Services

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Mixed

Growth

Good

Cash Flow

Exceptional

Stability

Exceptional

Valuation

Good

Dividends

Weak

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Winston Score History

The full picture

HCI Group is a Florida-based insurance company that sells homeowners insurance, mostly to people living in Florida. It also has a technology subsidiary called TypTap that uses data and software to help price and manage insurance policies more efficiently. HCI is one of the larger regional property insurers in Florida, a state with one of the most challenging home insurance markets in the country.

HCI makes money by collecting premiums from policyholders and investing those funds, while keeping costs low enough to stay profitable after paying claims. The company operates almost entirely in Florida, which gives it deep local expertise but also heavy exposure to hurricanes and natural disasters. Florida's insurance market has seen many competitors exit or go bankrupt in recent years, which has actually helped HCI pick up more customers — but a severe hurricane season remains the single biggest risk to its business.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+11.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-210.6% YoY

YoY Growth Rate

Earnings declining

Insider Activity

14.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$2.1B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

HCI Group is a rare growth stock that's already generating positive cash flow while growing at 11%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

-71.9%

Thin — -71.9% gross margin

Profit after running costs

Operating Margin

-46.8%

Losing money on operations — -46.8%

Return on the money invested

ROCE

20.3%

Exceptional — 20.3% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth

Sales YoY

+22.8%

Fast-growing sales (+22.8% YoY)

Profit growth

EPS YoY

+9.2%

Earnings growing (+9.2% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

131%

Turns 131% of profit into real cash

Spare cash per sale

FCF Margin

45.2%

Converts sales into free cash efficiently (45.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

0.06

Conservative — low debt load (0.06)

Covers its interest

Interest Cover

58.14x

Comfortably covers interest (58.1x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

7.0x

no trend

Attractive valuation — P/E 7.0

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

-3.5

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

0.85%

no trend

Small dividend — 0.85% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+0.0%

no trend

Dividend flat

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