Assessing HCI Group (HCI) Valuation As Mixed Price Moves Contrast With DCF Upside Potential

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Apr 30

AdvertisementBusiness overview and recent share performance HCI Group (HCI) sits at the intersection of property and casualty insurance, insurance technology and real estate, giving you exposure to ...

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overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nAssessing HCI Group (HCI) Valuation As Mixed Price Moves Contrast With DCF Upside Potential\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-04-30 05:05 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/insurance/nyse-hci/hci-group/news/assessing-hci-group-hci-valuation-as-mixed-price-moves-contr><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>AdvertisementBusiness overview and recent share performance HCI Group (HCI) sits at the intersection of property and casualty insurance, insurance technology and real estate, giving you exposure to ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/insurance/nyse-hci/hci-group/news/assessing-hci-group-hci-valuation-as-mixed-price-moves-contr\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"HCI","symbol_name":"HCI集团","start_time":0,"source_url":"https://simplywall.st/stocks/us/insurance/nyse-hci/hci-group/news/assessing-hci-group-hci-valuation-as-mixed-price-moves-contr","article_id":"2631952756","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7214000-choice2-main-header/1585186746158"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/insurance/nyse-hci/hci-group/news/assessing-hci-group-hci-valuation-as-mixed-price-moves-contr","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2631952756","pubTimestamp":1777496715,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Business overview and recent share performance\nHCI Group (HCI) sits at the intersection of property and casualty insurance, insurance technology and real estate, giving you exposure to several revenue sources within a single US based insurer.\nThe stock has seen mixed recent returns, with gains over the past week and month, a modest rise over the past 3 months, a decline year to date, and a positive total return over the past year.\nSee our latest analysis for HCI Group.\nRecent gains, including...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"HCI":"HCI集团","BK4107":"财产与意外伤害保险","DCF":"Dreyfus Alcentra Global Credit Income 2024 Target Term Fund, Inc"},"translate_title":"评估HCI集团(HCI)的估值，因为混合价格走势与DCF上涨潜力形成鲜明对比","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"DCF":1.5,"HCI":1.5},"content_text":"AdvertisementBusiness overview and recent share performance HCI Group (HCI) sits at the intersection of property and casualty insurance, insurance technology and real estate, giving you exposure to several revenue sources within a single US based insurer. The stock has seen mixed recent returns, with gains over the past week and month, a modest rise over the past 3 months, a decline year to date, and a positive total return over the past year. See our latest analysis for HCI Group. Recent gains, including a 3.90% 7 day share price return and a 5.08% 30 day share price return, sit alongside a 14.01% decline year to date. At the same time, multi year total shareholder returns above 100% suggest that longer term momentum has been strong even as shorter term sentiment has cooled. If HCI’s mix of insurance and tech exposure has you thinking about where else growth and resilience might meet, it could be worth scanning 18 top founder-led companies With HCI trading at $158.13 against an analyst price target of $245 and an indicated intrinsic discount of 78.33%, the key question is whether the stock is genuinely undervalued or whether markets are already pricing in future growth. Most Popular Narrative: 14% Overvalued According to the most widely followed narrative, HCI Group's fair value sits at $138.75 compared with the last close of $158.13, so the market price is above that reference point.  Dividend is well covered by both earnings (13% earnings payout ratio) and cash flows (5% cash payout ratio). The dividend has increased by an average of 4.8% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability.  Read the complete narrative. Curious how a stock with modest yield, strong coverage and a long dividend track record ends up screened as overvalued on fair value math? The balance between earnings strength, future margin assumptions and the discount rate is what shapes that $138.75 figure versus today’s price. Result: Fair Value of $138.75 (OVERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, a 10.06% annual net income decline, along with reliance on insurance operations for most of the US$900.95m revenue, could pressure that overvaluation case if profitability shifts. Find out about the key risks to this HCI Group narrative. Another view on value The community narrative tags HCI Group as 14% overvalued with a fair value of $138.75, yet our DCF model points the other way. On that framework, the shares trade at $158.13 versus an estimated future cash flow value of $729.58, which screens as heavily undervalued. So which storyline do you trust more: earnings based multiples, or long term cash flow math? Look into how the SWS DCF model arrives at its fair value. HCI Discounted Cash Flow as at Apr 2026Next Steps Mixed signals on value and sentiment can be hard to reconcile, so it helps to look at the full picture yourself and decide what matters most for your portfolio, then weigh those concerns and potential upsides with the 3 key rewards and 2 important warning signs Looking for more investment ideas? If HCI has sparked your interest, do not stop here. Use the tools available to you to spot other opportunities that could fit your goals.  Zero in on quality at a discount by checking companies that currently screen as attractively priced using the 53 high quality undervalued stocks. Strengthen your income watchlist by hunting for reliable payers through the 14 dividend fortresses. Prioritize resilience and sleep better at night by reviewing companies highlighted in the 72 resilient stocks with low risk scores.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if HCI Group might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. 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