HCI Group Inc (HCI) - Net Assets
Based on the latest financial reports, HCI Group Inc (HCI) has net assets worth $886.90 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.32 Billion) and total liabilities ($1.43 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check HCI tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $886.90 Million |
| % of Total Assets | 38.22% |
| Annual Growth Rate | N/A |
| 5-Year Change | 168.94% |
| 10-Year Change | 357.3% |
| Growth Volatility | 53.07 |
HCI Group Inc - Net Assets Trend (2006–2025)
This chart illustrates how HCI Group Inc's net assets have evolved over time, based on quarterly financial data. See HCI Group Inc (HCI) defensive interval to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for HCI Group Inc (2006–2025)
The table below shows the annual net assets of HCI Group Inc from 2006 to 2025. For live valuation and market cap data, see market value of HCI Group Inc.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.11 Billion | +137.64% |
| 2024-12-31 | $469.04 Million | +10.80% |
| 2023-12-31 | $423.32 Million | +66.14% |
| 2022-12-31 | $254.81 Million | -38.52% |
| 2021-12-31 | $414.46 Million | +106.06% |
| 2020-12-31 | $201.14 Million | +8.40% |
| 2019-12-31 | $185.54 Million | +2.26% |
| 2018-12-31 | $181.44 Million | -6.46% |
| 2017-12-31 | $193.97 Million | -20.42% |
| 2016-12-31 | $243.75 Million | +2.53% |
| 2015-12-31 | $237.72 Million | +30.20% |
| 2014-12-31 | $182.59 Million | +13.75% |
| 2013-12-31 | $160.52 Million | +32.39% |
| 2012-12-31 | $121.25 Million | +89.96% |
| 2011-12-31 | $63.83 Million | +36.89% |
| 2010-12-31 | $46.63 Million | +2.76% |
| 2009-12-31 | $45.38 Million | +21.35% |
| 2008-12-31 | $37.39 Million | +160.80% |
| 2007-12-31 | $14.34 Million | +14582.83% |
| 2006-12-31 | $-99.00K | -- |
Equity Component Analysis
This analysis shows how different components contribute to HCI Group Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 61160900000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $611.51 Million | 58.74% |
| Other Comprehensive Income | $1.46 Million | 0.14% |
| Other Components | $428.11 Million | 41.12% |
| Total Equity | $1.04 Billion | 100.00% |
HCI Group Inc Competitors by Market Cap
The table below lists competitors of HCI Group Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
China Enterprise Co Ltd
SHG:600675
|
$1.96 Billion |
|
Snowline Gold Corp.
V:SGD
|
$1.96 Billion |
|
Xiamen Leading Optics Co Ltd
SHG:605118
|
$1.97 Billion |
|
Liberty Global PLC
NASDAQ:LBTYA
|
$1.97 Billion |
|
AddLife AB (publ)
ST:ALIF-B
|
$1.96 Billion |
|
Black Box Limited
NSE:BBOX
|
$1.96 Billion |
|
Geo Group Inc
NYSE:GEO
|
$1.96 Billion |
|
Douglas Emmett Inc
NYSE:DEI
|
$1.96 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in HCI Group Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 453,333,000 to 1,041,077,000, a change of 587,744,000 (129.6%).
- Net income of 299,005,000 contributed positively to equity growth.
- Dividend payments of 19,289,000 reduced retained earnings.
- Share repurchases of 1,524,000 reduced equity.
- Other comprehensive income increased equity by 2,208,000.
- Other factors increased equity by 307,344,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $299.00 Million | +28.72% |
| Dividends Paid | $19.29 Million | -1.85% |
| Share Repurchases | $1.52 Million | -0.15% |
| Other Comprehensive Income | $2.21 Million | +0.21% |
| Other Changes | $307.34 Million | +29.52% |
| Total Change | $- | 129.65% |
Book Value vs Market Value Analysis
This analysis compares HCI Group Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.02x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-12-31 | $-0.03 | $163.63 | x |
| 2007-12-31 | $2.77 | $163.63 | x |
| 2008-12-31 | $6.16 | $163.63 | x |
| 2009-12-31 | $6.31 | $163.63 | x |
| 2010-12-31 | $6.99 | $163.63 | x |
| 2011-12-31 | $8.57 | $163.63 | x |
| 2012-12-31 | $12.36 | $163.63 | x |
| 2013-12-31 | $14.43 | $163.63 | x |
| 2014-12-31 | $15.61 | $163.63 | x |
| 2015-12-31 | $20.94 | $163.63 | x |
| 2016-12-31 | $22.42 | $163.63 | x |
| 2017-12-31 | $22.67 | $163.63 | x |
| 2018-12-31 | $22.98 | $163.63 | x |
| 2019-12-31 | $18.12 | $163.63 | x |
| 2020-12-31 | $20.75 | $163.63 | x |
| 2021-12-31 | $37.69 | $163.63 | x |
| 2022-12-31 | $18.44 | $163.63 | x |
| 2023-12-31 | $29.41 | $163.63 | x |
| 2024-12-31 | $35.73 | $163.63 | x |
| 2025-12-31 | $80.81 | $163.63 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently HCI Group Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 28.72%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 33.19%
- • Asset Turnover: 0.36x
- • Equity Multiplier: 2.43x
- Recent ROE (28.72%) is above the historical average (15.40%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | 0.00% | 0.00% | 0.00x | 0.00x | $-90.10K |
| 2007 | 7.09% | 13.28% | 0.19x | 2.79x | $-416.80K |
| 2008 | 33.84% | 25.55% | 0.38x | 3.53x | $8.92 Million |
| 2009 | 24.04% | 15.96% | 0.50x | 3.04x | $6.37 Million |
| 2010 | 11.63% | 7.90% | 0.49x | 3.02x | $759.10K |
| 2011 | 15.61% | 10.73% | 0.43x | 3.37x | $3.58 Million |
| 2012 | 24.87% | 18.51% | 0.48x | 2.79x | $18.03 Million |
| 2013 | 40.84% | 27.19% | 0.46x | 3.28x | $49.51 Million |
| 2014 | 34.32% | 23.55% | 0.44x | 3.30x | $44.41 Million |
| 2015 | 27.71% | 23.03% | 0.45x | 2.68x | $42.09 Million |
| 2016 | 11.91% | 11.24% | 0.39x | 2.75x | $4.65 Million |
| 2017 | -3.55% | -2.82% | 0.29x | 4.34x | $-26.29 Million |
| 2018 | 9.77% | 7.66% | 0.28x | 4.59x | $-419.10K |
| 2019 | 14.32% | 11.01% | 0.30x | 4.33x | $8.02 Million |
| 2020 | 13.71% | 10.00% | 0.29x | 4.68x | $7.47 Million |
| 2021 | 0.57% | 0.46% | 0.34x | 3.64x | $-30.48 Million |
| 2022 | -35.99% | -11.89% | 0.27x | 11.09x | $-74.77 Million |
| 2023 | 24.33% | 14.37% | 0.30x | 5.58x | $46.55 Million |
| 2024 | 24.25% | 14.67% | 0.34x | 4.92x | $64.62 Million |
| 2025 | 28.72% | 33.19% | 0.36x | 2.43x | $194.90 Million |
Industry Comparison
This section compares HCI Group Inc's net assets metrics with peer companies in the Insurance - Property & Casualty industry.
Industry Context
- Industry: Insurance - Property & Casualty
- Average net assets among peers: $5,472,317,900
- Average return on equity (ROE) among peers: 10.11%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| HCI Group Inc (HCI) | $886.90 Million | 0.00% | 1.62x | $1.96 Billion |
| American Coastal Insurance Corp (ACIC) | $87.99 Million | 11.03% | 2.56x | $505.96 Million |
| American Financial Group, Inc. (AFG) | $4.62 Billion | 10.43% | 5.42x | $10.91 Billion |
| Aspen Insurance Holdings Ltd (AHL) | $3.42 Billion | 9.42% | 2.23x | $119.39 Million |
| American Integrity Insurance Group, Inc. (AII) | $337.02 Million | 29.56% | 2.63x | $328.18 Million |
| Assurant Inc (AIZ) | $2.85 Billion | 6.51% | 7.32x | $10.94 Billion |
| The Allstate Corporation (ALL) | $12.67 Billion | -13.25% | 9.64x | $54.30 Billion |
| Ategrity Specialty Insurance Company Holdings (ASIC) | $398.81 Million | 11.81% | 1.82x | $990.91 Million |
| Bowhead Specialty Holdings Inc. (BOW) | $192.08 Million | 13.04% | 4.35x | $888.60 Million |
| Chubb Ltd (CB) | $29.14 Billion | 9.73% | 2.51x | $124.22 Billion |
| Cincinnati Financial Corporation (CINF) | $1.01 Billion | 12.81% | 1.57x | $24.98 Billion |
About HCI Group Inc
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments. It provides homeowners' property and casualty insurance products; claim adjusting and processing services; turnkey insurance technology and operations solut… Read more