HCI
HCI Group
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: HCI
- PE Ratio
As of Jun 23, 2026, the HCI Group stock's P/E ratio is 7.24. This takes into account the latest EPS of $23.86 and stock price of $172.74. The PE ratio has decreased by 22% from its last 4 quarters average of 9.3.
HCI PE ratio history
The PE ratio of HCI Group has averaged 30.18 over the last ten years. The current price-to-earnings ratio of 7.24 is 76% less than the historical average. Analyzing the last ten years, HCI's PE ratio reached its highest point in the Dec 2021 quarter at 363.22, when the price was $83.54 and the EPS was $0.23. The lowest point was recorded in the Jun 2024 quarter, when it reached 5.82 with a price of $92.17 and an EPS of $15.84.
HCI Group PE ratio by year
Maximum annual increase: 2,365.85% in 2021
Maximum annual decrease: -41.39% in 2011
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 7.8 | -29.09% | $191.69 | $24.58 |
| 2024 | 11 | 14.94% | $116.53 | $10.59 |
| 2023 | 9.57 | N/A | $87.4 | $9.13 |
| 2022 | N/A | N/A | $39.59 | -$6.24 |
| 2021 | 363.22 | 2,365.85% | $83.54 | $0.23 |
| 2020 | 14.73 | 7.13% | $52.3 | $3.55 |
| 2019 | 13.75 | -36.67% | $45.65 | $3.32 |
| 2018 | 21.71 | N/A | $50.81 | $2.34 |
| 2017 | N/A | N/A | $29.9 | -$0.75 |
| 2016 | 13.38 | 150.09% | $39.48 | $2.95 |
| 2015 | 5.35 | -27.01% | $34.85 | $6.51 |
| 2014 | 7.33 | -20.24% | $43.24 | $5.9 |
| 2013 | 9.19 | 52.4% | $53.5 | $5.82 |
| 2012 | 6.03 | 12.08% | $20.79 | $3.45 |
| 2011 | 5.38 | -41.39% | $8.01 | $1.49 |
HCI Group PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 6.48 | -16.92% | $154.61 | $23.86 |
| Dec 2025 | 7.8 | -29.86% | $191.69 | $24.58 |
| Sep 2025 | 11.12 | -6.87% | $191.93 | $17.26 |
| Jun 2025 | 11.94 | -1.08% | $152.2 | $12.75 |
| Mar 2025 | 12.07 | 9.73% | $149.23 | $12.36 |
| Dec 2024 | 11 | 52.57% | $116.53 | $10.59 |
| Sep 2024 | 7.21 | 23.88% | $107.06 | $14.85 |
| Jun 2024 | 5.82 | -39.31% | $92.17 | $15.84 |
| Mar 2024 | 9.59 | 0.21% | $116.08 | $12.11 |
| Dec 2023 | 9.57 | -15.76% | $87.4 | $9.13 |
| Sep 2023 | 11.36 | N/A | $54.29 | $4.78 |
| Jun 2023 | N/A | N/A | $61.78 | -$2.41 |
| Mar 2023 | N/A | N/A | $53.6 | -$4.9 |
| Dec 2022 | N/A | N/A | $39.59 | -$6.24 |
| Sep 2022 | N/A | N/A | $39.2 | -$6.61 |
HCI Price vs fair value
HCI average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, HCI's PE ratio is under its 3, 5 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 7.24, HCI stands lower than the Financial Services sector, the industry and its peers average. Looking at the Financial Services sector average of 12.95, HCI Group's price to earnings (P/E) is 44% lower.
HCI PE vs peers
HCI's PE ratio is less than its peer stocks ERIE and HTH, but it is above UVE's and HRTG's. HCI Group is currently trading at a lower PE ratio (7.24) than its peers average of 10.35.
| Stock name | PE ratio | Market cap |
|---|---|---|
| HRTG Heritage Insurance Holdings Inc | 3.82 | $757.23M |
| UVE Universal Insurance Holdings Inc | 5.68 | $1.12B |
| HCI HCI Group Inc | 7.24 | $2.2B |
| KINS Kingstone Companies Inc | 7.71 | $249.14M |
| DGICA Donegal Group Inc | 9.95 | $670.97M |
| HMN Horace Mann Educators Corp | 12.62 | $2.05B |
| HTH Hilltop Holdings Inc | 14.65 | $2.26B |
| ERIE Erie Indemnity Co | 18.02 | $10.21B |
Frequently asked questions
What is HCI Group's PE ratio?
The price to earnings ratio for HCI stock is 7.24 as of Jun 23, 2026.
What is the 3-year average PE ratio for HCI Group (HCI)?
Over the last 3 years, the average PE ratio for HCI stock is 9.45.
What is the 5-year average PE ratio for HCI Group (HCI)?
Over the last 5 years, the average PE ratio for HCI stock is 46.94.
What is the highest PE ratio for HCI?
The highest quarterly PE ratio in the last ten years has been 363.22 and it was in the Dec 2021 quarter.
How does the current PE ratio for HCI compare to its historical average?
HCI's price to earnings ratio is currently 76% below its 10-year historical average.
Why is HCI Group's PE ratio so low?
HCI's stock price is trading at a lower multiple of earnings, which is why its PE ratio of 7.24 is considered low.
How is HCI's PE ratio calculated (HCI Group PE ratio formula)?
The P/E ratio is calculated by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jun 23, 2026), HCI Group's share price is $172.74. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $23.86. Therefore, HCI Group's price to earnings ratio for today is 7.24. PE RATIO(7.24) = STOCK PRICE($172.74) / TTM EPS($23.86)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.