Is EIG or HCI more undervalued in 2026?

CirclFi compares Employers Holdings Inc (EIG) and HCI Group, Inc. (HCI) using 13 institutional-grade valuation models. EIG has a Quality of Company score of 7.8/10 while HCI scores 10.0/10.

Which is a better buy — EIG or HCI?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do EIG and HCI valuations compare?

EIG at $43.50 and HCI at $154.07 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

EIG vs HCI Valuation Comparison 2026 — Intrinsic Value Analysis

EIG

Fire, Marine & Casualty Insurance

Employers Holdings Inc

Quality

7.8

out of 10

Value Trap

SAFE

Price

$43.50

Last close

Models

11/13

Active

HCI

Fire, Marine & Casualty Insurance

HCI Group, Inc.

Quality

10.0

out of 10

Value Trap

SAFE

Price

$154.07

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	EIG Fair Value	EIG Upside	HCI Fair Value	HCI Upside
Bayesian DCF	Intrinsic	$29.86	-31.3%	$381.66	+147.7%
Earnings Power Value	Intrinsic	$34.55	-20.6%	$300.50	+95.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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EIG vs HCI — Which Stock Is More Undervalued?

HCI scores higher with a 10.0/10 quality rating vs EIG's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Employers Holdings Inc (EIG) and HCI Group, Inc. (HCI) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

EIG currently trades at $43.50 with a QOC of 7.8/10, while HCI trades at $154.07 with a QOC of 10.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).