HCI Group, Inc. (HCI) Stock Analysis
Recovery setup · Temp Headwind edge
Financial Services · Insurance - Property & Casualty
Hold if already holding. Not a fresh buy at $152.20, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Florida; Leverage penalty (D/E 6.1): -1.5.
HCI Group is primarily a property & casualty insurance company serving Florida as its primary market through subsidiaries HCPCI and TTIC. Revenue comes from insurance premiums on homeowners policies, largely assumed from Citizens and other Florida insurers. The company also... Read more
Hold if already holding. Not a fresh buy at $152.20, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Florida; Leverage penalty (D/E 6.1): -1.5. Chart setup: Death cross but MACD improving, RSI 55. Maintain position. Not compelling to add more. Score 7.3/10, moderate confidence.
Passes 5/7 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and earnings proximity 6d<=7d. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicFlorida10-K Item 1A: 'our business is concentrated in this manner...conditions affecting losses in the state of Florida'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker·2 ceiling hits
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $152.20, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Florida; Leverage penalty (D/E 6.1): -1.5. Chart setup: Death cross but MACD improving, RSI 55. Maintain position. Not compelling to add more. Target $208.25 (+36.8%), stop $143.71 (−5.9%), A.R:R 5.4:1. Score 7.3/10, moderate confidence.
Take-profit target: $208.25 (+37.0% upside). Target $208.25 (+36.8%), stop $143.71 (−5.9%), A.R:R 5.4:1. Stop-loss: $143.71.
Concentration risk — Geographic: Florida; Leverage penalty (D/E 6.1): -1.5; Earnings in 6 days (event risk).
HCI Group, Inc. trades at a P/E of 6.8 (forward 8.7). TrendMatrix value score: 9.5/10. Verdict: Hold.
8 analysts cover HCI with a consensus score of 4.0/5. Average price target: $245.
What does HCI Group, Inc. do?HCI Group is primarily a property & casualty insurance company serving Florida as its primary market through...
HCI Group is primarily a property & casualty insurance company serving Florida as its primary market through subsidiaries HCPCI and TTIC. Revenue comes from insurance premiums on homeowners policies, largely assumed from Citizens and other Florida insurers. The company also operates Exzeo (insurance technology, approximately 82.5% owned, now public as XZO) and a commercial real estate division.