Strong across all measured dimensions. No single area is pulling the score down meaningfully.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
2.3x book, moderate premium to equity
Above 10% CAGR, strong compounder
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Heavy dilution above 5%
Above 15%, strong return on equity
40.8% equity/assets, well-capitalized
Net margin expanded 3+pp, strong improvement
HCI Group (HCI) quality: score, margins and returns
HCI Group (HCI) scores 87/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is HCI Group (HCI) a high-quality business?+
HCI Group scores 87 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does HCI Group's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from HCI's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where HCI Group scores well and where it falls behind.
How profitable is HCI Group?+
HCI Group runs a net margin of about 33.7%. Revenue has grown at roughly 23.7% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 3 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 12 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
Fire, Marine & Casualty Insurance · Pick stocks to compare with HCI
Held by ETFs
HCI is in 80 US ETFs. The largest of them, with HCI's weight in each:
iShares Core S&P Small-Cap ETFIJR0.12%of the fund
iShares Russell 2000 ETFIWM0.08%of the fund
Avantis U.S. Small Cap Value ETFAVUV0.19%of the fund
Schwab U.S. Small-Cap ETFSCHA0.05%of the fund
Vanguard Russell 2000 ETFVTWO0.06%of the fund
State Street SPDR Portfolio S&P 600 Small Cap ETFSPSM0.12%of the fund
Spot a number that looks wrong? Check it in HCI's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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