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No insider purchase over the last 90 days. The latest was filed 11 Apr 2024.
HCI Group, Inc.: what insiders have been doing
HCI Group, Inc. belongs to the Banks sector. Filings by its managers are published through SEC (Form 4). The last twelve months, up to 18 October 2026, brought 7 filings signed by 6 insiders.
The filings describe grants, exercises and other transfers rather than trades on the open market. Such operations are usually part of compensation schedules, which makes them a weaker signal than an open-market trade.
Across the 5,458 companies tracked on its exchange, the median is 22 filings; at 7 filings, this issuer sits below that mark. Looking back to 2016, when coverage begins, insiders filed 47 purchases and 9 sales. The 10-K for the year ended 31 December 2025 shows 900.9 m USD of revenue and 299.0 m USD of net income and a dividend of 1.60 USD per share.
Over the last twelve months, not one insider purchase of HCI Group, Inc. stock was filed. The median gap between a trade and its publication by SEC (Form 4) is 4 days. US insiders must file a Form 4 within two business days of a trade.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
129
Thresholds
n/a
Buy Volume
€817,782
47 ops. · all time
Sell Volume
€10M
9 ops. · all time
Analyst consensus: bullish or bearish?
Analysts rate HCI Group, Inc. Buy (bullish), based on 3 analysts. Average price target: US$241.67.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 60 of 24,148 companies
91.8
score / 100
Value91
Quality93
FCF yld18%
Earn yld13%
EV/EBITDA5.2x
ROE35%
Gross mgn·
Net mgn33%
Debt/EBITDA0.1x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$191.69
Analyst consensus
3 analystsBuy
US$225.00Target US$241.67(+26%)US$265.00
Income statement
RevenueUS$901.8M
EBITDAUS$471.6M52% margin
Net incomeUS$299M32.6% margin
Valuation
PER (trailing)8.3x
PER (forward)9.6x
P/Book2.2x
Beta1.05
Balance sheet & cash
Market capUS$2.4B
Total debtUS$67.9M
Free Cash FlowUS$440.8M
Debt / Equity6%
Profitability & ownership
ROE35.0%
ROA11.6%
% insiders14.7%
% institutions77.9%
Last declaration on 15 June 2026
Declarations129 total
750 sharesCommon StockSEC:0001193125-26-271261:0
13,379 shares@ US$157.7936.9% of flowCommon StockSEC:0001193125-26-242093:0
20,000 shares@ US$40.0050.4% of flowCommon StockSEC:0001193125-26-067203:0
1,251 sharesCommon StockSEC:0001193125-25-331275:0
621 sharesCommon StockSEC:0001193125-25-331007:0
1,251 sharesCommon StockSEC:0001193125-25-331004:0
1,251 sharesCommon StockSEC:0001193125-25-331002:0
750 sharesCommon StockSEC:0000950170-25-097910:0
750 sharesCommon StockSEC:0000950170-25-097914:0
750 sharesCommon StockSEC:0000950170-25-097913:0
750 sharesCommon StockSEC:0000950170-25-097912:0
750 sharesCommon StockSEC:0000950170-25-097911:0
223 shares@ US$121.330.5% of flowCommon StockSEC:0000950170-25-034560:0
223 shares@ US$121.330.8% of flowCommon StockSEC:0000950170-25-034642:0
223 shares@ US$121.331.1% of flowCommon StockSEC:0000950170-25-034653:0
750 sharesCommon StockSEC:0000950170-24-073783:0
750 sharesCommon StockSEC:0000950170-24-073786:0
750 sharesCommon StockSEC:0000950170-24-073790:0
750 sharesCommon StockSEC:0000950170-24-073785:0
750 sharesCommon StockSEC:0000950170-24-073784:0
750 sharesCommon StockSEC:0000950170-24-073789:0
214 shares@ US$102.330.8% of flowCommon StockSEC:0000950170-24-063520:0
214 shares@ US$102.330.6% of flowCommon StockSEC:0000950170-24-063522:0
214 shares@ US$102.330.5% of flowCommon StockSEC:0000950170-24-063519:0
214 shares@ US$102.330.4% of flowCommon StockSEC:0000950170-24-063521:0
25 of 129 declarations
About HCI Group, Inc.
HCI Group, Inc. is a U.S.-listed insurance holding company traded on the NYSE under the ticker HCI. The company was incorporated in Florida in 2006 and has built its franchise around property and casualty insurance, with a strong concentration in homeowners coverage and a primary market in Florida, while also serving selected states in the Northeast and Southeast of the United States. For international investors, HCI is best viewed as a specialized, catastrophe-exposed insurer that combines underwriting, insurance services, technology, and real estate assets within one corporate platform.
At its core, HCI underwrites and services homeowners property and casualty insurance products. Its operating subsidiaries include Homeowners Choice Property & Casualty Insurance Company and TypTap Insurance Company, which serve residential policyholders and address risks such as wind, fire, and, in certain cases, flood-related exposure through tailored offerings. The group also provides attorney-in-fact services to reciprocal insurance exchanges, including Condo Owners Reciprocal Exchange (CORE) and Tailrow Insurance Exchange, which are policyholder-owned structures consolidated by HCI as the primary beneficiary. In parallel, the company maintains a commercial real estate arm focused on developing and operating properties for investment or internal use.
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A key differentiator is Exzeo Group, HCI’s majority-owned technology subsidiary. Exzeo provides turn-key insurance technology and operations solutions through proprietary software and data analytics designed specifically for the property and casualty insurance ecosystem. In practical terms, this allows HCI to improve risk selection, streamline claims handling, and support operational efficiency across its own insurance businesses and, potentially, third-party carriers. Exzeo’s growth also underscores HCI’s ambition to be more than a pure-play insurer. In November 2025, Exzeo completed an IPO on the NYSE under the symbol XZO, while HCI retained majority ownership.
From a competitive standpoint, HCI occupies a niche but important position in the Florida homeowners market, where underwriting discipline, reinsurance access, and catastrophe management are decisive. The company benefits from a technology-enabled model and a vertically integrated insurance structure, but its earnings profile remains highly sensitive to hurricane activity, regulatory conditions, and the pricing of catastrophe reinsurance. HCI purchases reinsurance annually, with coverage structures designed around its exposure, probable maximum loss estimates, retention levels, and the Florida Hurricane Catastrophe Fund. That makes the company operationally sophisticated, but also inherently volatile.
Recent developments have been notable. CORE began operations in February 2024, Tailrow Insurance Exchange launched in February 2025, and HCI completed its 2025–2026 catastrophe reinsurance program in mid-2025. The company’s 2025 results, reported in early 2026, reflected higher policy volumes and sizable reinsurance-related adjustments tied to hurricanes Milton, Helene, and Ian. Overall, HCI Group is a Florida-centric, technology-enabled property insurer listed on the NYSE in the United States, combining specialty underwriting, software-driven insurance operations, reciprocal exchange services, and real estate exposure in a single investment case.
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