HCI Group writes homeowners and related property insurance, concentrated in Florida, and distributes it through its own agency platform and its Exzeo technology business, which sells underwriting and claims software to other carriers. The edge that matters here is underwriting discipline in a catastrophe-prone market: the company has grown premiums while many Florida peers retrenched after storm losses, and it does so with a reinsurance program and a tech-driven claims process that keep the book tractable. Revenue growth of 11.1% and a 35.0% return on equity are the headline numbers, and the 45.4% operating margin reflects how much of that growth drops through once losses are contained. At a trailing P/E of 8.5 and a forward P/E of 8.9, the market is pricing in a meaningful chance that Florida weather or reserve development erodes these returns, so the question for a deeper look is how durable the margin is through a bad hurricane season, not whether the franchise is growing.
Plain-English pros, cons, and what to watch. Pro feature.
See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
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| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 18 Oct 2026, 15:06 CEST | Rating | Undervalued | first publication | $199 |
| 18 Oct 2026, 15:06 CEST | Fair value | $307 | $311 | $199 |
| 11 Oct 2026, 00:00 CEST | ACCE price target | $205 | first publication | $192 |
| 29 Sept 2026, 00:00 CEST | Fair value | $311 | $315 | $175 |
| 23 Sept 2026, 00:00 CEST | Fair value | $315 | $319 | $184 |
| 21 Sept 2026, 00:00 CEST | Fair value | $319 | $315 | $188 |
| 15 Sept 2026, 00:00 CEST | Fair value | $315 | $322 | $186 |
| 7 Sept 2026, 00:00 CEST | Fair value | $322 | $326 | $188 |
| 5 Sept 2026, 00:00 CEST | Fair value | $326 | $315 | $190 |
| 30 Aug 2026, 00:00 CEST | Fair value | $315 | $326 | $186 |
Answered from HCI Group Inc. Common Stock fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| HCI HCI Group Inc. Common Stock | $204.06 | $307 | 34% below | 8.9x | 35.0% | 96 | 78 |
| SKWD Skyward Specialty Insurance Group Inc. Common Stock | $60.39 | $57 | 7% above | 14.0x | 17.3% | 68 | 82 |
| SLDE Slide Insurance Holdings Inc. Common Stock | $28.55 | $54 | 48% below | 6.7x | 53.9% | 100 | 88 |
| LMND Lemonade Inc. Common Stock | $44.92 | - | - | - | -27.0% | 39 | 36 |
| PLMR Palomar Holdings Inc. Common stock | $141.78 | $104 | 37% above | 19.1x | 22.2% | 80 | 75 |
| Q.MX Qualitas Controladora | MXN 190.30 | MXN 119 | 60% above | 17.8x | 17.2% | 53 | 56 |
| WTM White Mountains Insurance Group Ltd. Common Stock | $2225.24 | $3640 | 39% below | 5.1x | 20.4% | 91 | 75 |
Where HCI ranks against its sector peers on each metric.