What Is HCI Group, Inc. (HCI) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, HCI Group, Inc. presents a highly debated valuation profile at its current price of $182.93. The composite intrinsic value is estimated at $187.69 (+2.6% average upside), masking a wide model spread between the 5 bullish models and 7 bearish models. Model dispersion is worth noting: RCMH-DCF targets $426.39 (+133.1%), versus Dynamic NAV at $2.01 (-98.9%). This +232.0% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About HCI?
13 of 13 models are currently active for HCI. Of these, 5 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates HCI's intrinsic value at $309.63, implying +69.3% upside from the current price. See which stocks rank higher →
How Does HCI Rank in Fire, Marine & Casualty Insurance?
Among 50 Fire, Marine & Casualty Insurance stocks, HCI ranks #1 by Quality of Company score. CirclFi's QOC score of 10.0/10 evaluates 32 fundamental signals. A score of 10.0 places HCI in the top tier.
See all Most Undervalued Fire, Marine & Casualty Insurance Stocks →
HCI Group, Inc.'s positioning within the Fire, Marine & Casualty Insurance segment means that investment float plays an outsized role in fundamental analysis. The sector's unique characteristics — including distribution channel efficiency — shape both the opportunity set and risk profile.
Is HCI a Value Trap?
The Value Trap algorithm is not active for HCI. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
13 of 13 models are active for HCI Group, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, HCI Group, Inc. scores 10.0 out of 10 on our 32-signal quality assessment, a elite rating that ranks among the highest-quality businesses in our coverage universe. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +232.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every HCI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across HCI's 13 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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