Insider buying last 90 days
No open-market insider purchases were filed for HCI in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every HCI insider filing, plotted on the chart in Gekko.Open HCI in Gekko
Gekko Brief
AI summaryOct 12 closeHCI shares moved higher this week on a steady stream of analyst activity and earnings positioning. A rating was raised to Strong Buy at one research firm, while Truist reiterated a Buy rating with a $235 price target, citing operating discipline in the Florida homeowners market and growth initiatives at Exzeo. Coverage also flagged the stock as undervalued relative to an external fair-value estimate, and attention is building ahead of the Q3 2026 earnings date, with analysts anticipating $3.55 per share on revenue of $247.79 million.
The stock closed at $197.55, up 3.1%, sitting above both its 50-day average of $184.35 and its 200-day average of $169.41, consistent with a supportive trend structure. The GekkoIndex reads 45.8, placing HCI in the Neutral zone, down from a higher reading five days prior. Price sits 4.6% below Gekko Fair Value of $207.01, putting it within range of that estimate.
The next earnings report is scheduled for 5 November 2026 after close, 23 days out, which falls inside a typical 20-trading-day holding window and has historically produced an average absolute reaction of 4.9% across the last 8 quarters, all beats. No insider, Congress or unusual options activity appears in the respective 90-day and 30-day windows. Seasonality over this stretch has averaged a 5.2% move across 5 years, rising in 2 of those years, a mixed signal worth weighing against the pending earnings date.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
HCI price vs fair value
Close $197.55200-day averageGekko Fair Value $207.01
HCI quick facts
- Market cap
- $2.52B
- P/E ratio
- 8.1
- Forward P/E
- 8.9
- EPS, TTM
- $23.90
- Revenue, TTM
- $952.1M
- Profit margin
- 32.6%
- Dividend yield
- 0.86%
- Beta
- 1.05
- Volume
- 149,841 avg 155,196
- 1-year return
- +5.8%
- Typical daily move
- ±2.5%
- Typical 20-day move
- ±7.1%
- 50-day average
- $184.35
- 200-day average
- $169.41
- Next earnings
- Nov 5 after close
- Shares outstanding
- 12.44M
HCI swing-trade checklist
HCI scores 1 supportive, 3 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
1 supportive3 mixed1 headwind
- Trendsupportive
Above 50 and 200-day
Close $197.55 is above the 50-day ($184.35) and 200-day ($169.41) averages, and the 50-day is above the 200-day.
See the chart - GekkoIndexmixed
45.8, Neutral
Reading 45.8 is in the Neutral zone.
See the GekkoIndex - Fair valuemixed
4.6% below
Price is within 5% of Gekko Fair Value (4.6% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 24 days
Reports on Nov 5, 2026, 24 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitymixed
+5.2% on average
From this point in the calendar, the next 20 trading days averaged +5.2% over 5 years, rising in 2 of them.
See seasonality
A description of current data, not a recommendation. How this page works
HCI stock chart and price history
HCI closed at $197.55 on Oct 12, 2026, +5.8% over the past year, inside a 52-week range of $144.75 to $210.50.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +6.4%
- 3 months
- +9.8%
- 6 months
- +29.2%
- 1 year
- +5.8%
The full HCI chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open HCI in Gekko
Follow HCI through every session
Put HCI on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
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About HCI
HCI brings together several related businesses under one roof, with insurance as its most prominent activity. In Florida, it writes residential coverage for people who own homes or condos and for renters, with policy options that include standard homeowners protection as well as fire, flood, and wind-only plans, backed by its own reinsurance arm.
Beyond insurance, the company is organized into four segments covering property and casualty coverage, reinsurance, real estate, and technology. On the property side, it holds and oversees a mix of assets such as shopping centers, an office property, waterfront holdings, and other commercial real estate investments. Its technology arm develops digital tools that support the insurance operations, among them the SAMS and Harmony systems used for managing policies, the ClaimColony platform for handling claims, and AtlasViewer, a tool for mapping and visualizing data.
The company is headquartered in Tampa, Florida, and began under the name Homeowners Choice, Inc. in 2006, later adopting the HCI name in 2013. Its stock trades on the NYSE under the ticker HCI.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Property/Casualty insurance
- Website
- hcigroup.com
HCI GekkoIndex: the smart money zone
HCI’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 45.8, in the Neutral zone, down 9 points over five sessions.
45.8Neutral
Down 9 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 23 | +1.2% | −1.1% | ||
| Accumulation | 194 | +1.0% | +2.7% | ||
| Neutral (current zone) | 412 | +0.4% | +2.2% | ||
| Distribution | 45 | +1.1% | +5.6% | ||
| Selling | 8 | Too few readings yet | |||
Average HCI share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the HCI price, zone by zone.Track HCI in Gekko
Is HCI stock overvalued? Gekko Fair Value
HCI trades 4.6% below Gekko Fair Value of $207.01, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what HCI shares are worth, recalculated every trading day.
$207.01
Gekko Fair Value, Oct 10, 2026
4.6% below fair value · About fair value
At the end of Aug 2026 the price was 15.7% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open HCI in Gekko
HCI insider and Congress trading
No open-market insider purchases were filed for HCI, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in HCI were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for HCI, plotted on the chart in Gekko.Open HCI in Gekko
Buybacks
HCI has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $68.10M
- As a share of market cap
- 2.70%
- Trailing four quarters
- $86.44M
From company filings.
HCI earnings: next date and track record
HCI reports on Nov 5, 2026, after the close (24 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Nov 5, 2026
Expected after the close, 24 days away
- EPS estimate
- $4.00
- Revenue estimate
- $247.8M
8 of 8reports beat the EPS estimate
±4.9%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Mar 5, 2026 | $7.25 est $4.91 | — | −2.8% |
| Nov 6, 2025 | $4.90 est $2.44 | $216.4M est $232.4M | −10.9% |
| Aug 8, 2025 | $5.18 est $4.50 | $221.9M est $222.7M | +11.9% |
| May 6, 2025 | $5.35 est $4.56 | $216.4M est $214.9M | +1.4% |
| Mar 5, 2025 | $0.31 est −$2.41 | — | +0.4% |
| Nov 7, 2024 | $0.47 est $0.27 | $175.2M est $160.6M | +1.5% |
| Aug 8, 2024 | $4.21 est $3.48 | $206.2M est $197.4M | +4.6% |
| May 8, 2024 | $3.65 est $2.80 | $206.6M est $191.3M | −6.0% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
HCI stock forecast and analyst price targets
Analysts’ average 12-month price target for HCI is $241.67, +22.3% from the last close, from 3 firms rating the stock in the last 90 days.
$241.67consensus 12-month target, +22.3% from the last close
Now $197.55Avg $241.67
Low $235High $265
Each firm’s latest rating in the last 90 days: 3 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 1 | Truist Financial | $235 | +19.0% |
| Sep 15 | William Blair | — | — |
| Aug 7 | Truist Financial | $235 | +19.0% |
| Aug 7 | Citizens JMP | $265 | +34.1% |
| Aug 6 | William Blair | — | — |
+2.2%average 20-day move after past Neutral readings
+5.2%average move over the next 20 trading days in the last 5 years
±2.5%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
HCI seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, HCI averaged +5.2% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +4.1% | 4 of 5 |
| Next 10 trading days | +0.3% | 3 of 5 |
| Next 15 trading days | +6.0% | 3 of 5 |
| Next 20 trading days | +5.2% | 2 of 5 |
| Next 30 trading days | +9.1% | 3 of 5 |
For scale, HCI’s typical 20-trading-day move in either direction is about 7.1%.
HCI market cap and key statistics
HCI’s market cap is $2.52B, with a P/E ratio of 8.1 and revenue of $952.1M over the last twelve months.
Valuation
- Market cap
- $2.52B
- P/E ratio
- 8.1
- Forward P/E
- 8.9
- EPS, TTM
- $23.90
- Gekko Fair Value
- $207.01
Trading
- Volume
- 149,841
- Avg volume, 20 days
- 155,196
- 52-week high
- $210.50
- 52-week low
- $144.75
- Shares outstanding
- 12.44M
Financials
- Revenue, TTM
- $952.1M
- Profit margin
- 32.6%
- Return on equity
- 35%
- Quarterly earnings growth, YoY
- +8.2%
Risk and income
- Beta
- 1.05
- Typical daily move
- ±2.5%
- Typical 20-day move
- ±7.1%
- Dividend yield
- 0.86%
HCI stock news this week
Coverage of HCI this week reads positive: 7 positive, 1 neutral and 0 negative headlines.
- (HCI) Volatility Zones as Tactical TriggersStock Traders Daily, Oct 12
- HCI Group Q3 2026 Earnings Date and EstimatesMarketBeat, Oct 9
- HCI Group Inc (HCI) Stock Up 3.0% and Still Undervalued -- GF ScGuruFocus, Oct 8
- Zacks upgrades HCI Group stock to Strong BuyAD HOC NEWS, Oct 8
- HCI Group, Inc. (HCI) is Attracting Investor Attention: Here is What You Should KnowZacks Investment Research, Oct 8
- HCI Group (HCI) Increases Despite Market Slip: Here's What You Need to KnowYahoo Finance UK, Oct 7
HCI peers
HCI’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| BRK.ABerkshire Hathaway | Neutral | 0.1% above |
| BRK.BBerkshire Hathaway | Neutral | 1.2% below |
| CBChubb | Neutral | 1.8% below |
| TRVTravelers Companies | Neutral | 1.6% above |
| HIGHartford Insurance | Neutral | 7.1% below |
| MKLMarkel | Neutral | 3.3% below |
A peer links to its own page where one exists.
HCI stock FAQ
What is HCI’s market cap?
HCI’s market cap is $2.52B at the Oct 12, 2026 close of $197.55, with 12.44M shares outstanding. The shares trade on a P/E ratio of 8.1.
What is the HCI stock forecast?
The consensus analyst 12-month price target for HCI is $241.67, +22.3% from the last close. Of the 3 firms that rated the stock in the last 90 days, 3 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is HCI stock overvalued or undervalued?
On Gekko’s estimate HCI is about fair value: the Oct 12, 2026 close of $197.55 is 4.6% below Gekko Fair Value of $207.01. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does HCI report earnings next?
HCI is expected to report on Nov 5, 2026, after the market closes (24 days away). Analysts expect earnings of $4.00 per share on revenue of $247.8M. HCI beat the earnings estimate in 8 of its last 8 reports, moving 4.9% on average across the report.
What is HCI’s 52-week high and low?
HCI’s 52-week high is $210.50 and its 52-week low is $144.75; it closed at $197.55 on Oct 12, 2026, +5.8% over the past year.
Is HCI stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 1 of the 5 items with data read as supportive (trend), 3 as mixed (gekkoindex, fair value and seasonality) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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