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HCI

HCI GroupD
NYSE / Insurance
Last Price
At close
2026-07-20
View Chart
Current thesis
Sustained rate increases, favorable reserve development and execution on underwriting reduce the combined ratio materially; buybacks and earnings leverage drive upside to the bull target over a 12–18 month horizon.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.0.
What can break
Adverse reserve development from prior accident years
Momentum
60
Value
62
Sentiment
25
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $20.00 · Bull $24.00 · Bear $15.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2025-10-02 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $238.33
Why
Momentum60 · Δ7d -3.4
Value62 · Δ7d +0.0
Sentiment25 · Δ7d 0.0
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Value · See fundamentals
Momentum
60
26% active weight
Current posture
7d trendFlat
Δ7d
-3.4
Δ21d
-5.0
Value
62
39% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+0.4
Sentiment
25
34% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
0.0
Why this grade

Composite grade D. Momentum 60.1 / Value 61.7 / Sentiment 24.5

Fundamentals (TTM)
As of 2026-07-20
Market Cap
$2.29B
Beta
1.21
Shares Out
12.76M
P/E (TTM)
11.5
P/S (TTM)
2.88
P/FCF (TTM)
6.09
Rev YoY
+12.4%
EPS YoY
+1.7%
Gross Margin
-
Op Margin
+37.1%
Net Debt
-$1.15B
Current Ratio
2.43
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology