Core Points - HCI Group, Inc. will hold a conference call on May 8, 2025, at 4:45 p.m. Eastern time to discuss Q1 2025 financial results [1] - Financial results will be released in a press release on the same day after market close [1] - The call will include a presentation by HCI management followed by a Q&A session [1] Conference Call Details - Interested parties can join the call by dialing the toll-free number 888-506-0062 or the international number 973-528-0011 [2] - The participant access code for the call is 325047 [2] - Attendees are advised to call 10 minutes prior to the start time for registration [2] Replay Information - A replay of the call will be available after 8:00 p.m. Eastern time on the same day [3] - The toll-free number for the replay is 877-481-4010, and the international number is 919-882-2331 [3] - The replay passcode is 52364 [3] Company Overview - HCI Group, Inc. operates through two main units: insurance companies and Exzeo Group, which focuses on insurance technology [3] - The insurance unit includes four top-performing insurance companies and a captive reinsurance company [3] - Exzeo Group utilizes advanced underwriting algorithms and data analytics to enhance underwriting outcomes for property and casualty insurers [3] Stock Information - HCI Group's common shares are traded on the NYSE under the ticker symbol "HCI" and are included in the Russell 2000 and S&P SmallCap 600 Index [4] - The company regularly publishes financial information on its Investor Information section of the website [4]

Group 1 - HCI Group, Inc. will hold its Annual Meeting of Shareholders on June 10, 2025, at its headquarters in Tampa, Florida [1] - Shareholders of record as of April 14, 2025, are entitled to vote and attend the meeting, which will include various proposals [1] - The meeting will also address any other business that may properly come before it [1] Group 2 - HCI Group operates through two distinct units: one includes insurance companies and a reinsurance company, while the other, Exzeo Group, focuses on insurance technology [2] - Exzeo Group utilizes advanced underwriting algorithms and data analytics to enhance underwriting outcomes for property and casualty insurers [2] - HCI Group's common shares are traded on the NYSE under the ticker symbol "HCI" and are part of the Russell 2000 and S&P SmallCap 600 Index [3] Group 3 - The proposals for the Annual Meeting include the election of Class B Directors, ratification of external auditors, and advisory votes on executive compensation [4] - Shareholders will also vote on the frequency of votes regarding executive compensation [4]

HCI Group (HCI) has been one of the most searched-for stocks on Zacks.com lately. So, you might want to look at some of the facts that could shape the stock's performance in the near term.Over the past month, shares of this property and casualty insurance holding company have returned +6.6%, compared to the Zacks S&P 500 composite's -6.9% change. During this period, the Zacks Insurance - Property and Casualty industry, which HCI Group falls in, has lost 1.7%. The key question now is: What could be the stock ...

Group 1 - HCI Group (HCI) shares increased by 3.6% to close at $145, driven by notable trading volume and a 0.5% gain over the past four weeks [1] - The company's growth is fueled by a growing homeowners business, acquisition of profitable books, proactive risk management, and deployment of excess capital into investments [1][3] - HCI formed the Condo Owners Reciprocal Exchange to write commercial and residential insurance in Florida, leveraging technology and industry knowledge for growth [2] Group 2 - HCI Group is expected to report quarterly earnings of $4.49 per share, reflecting a year-over-year increase of 23%, with revenues projected at $210.17 million, up 1.7% from the previous year [3] - The consensus EPS estimate for HCI has remained unchanged over the last 30 days, indicating that stock price movements may be correlated with earnings estimate revisions [4][5] - HCI Group holds a Zacks Rank of 1 (Strong Buy), while its industry peer, First American Financial (FAF), has a Zacks Rank of 3 (Hold) and experienced a 2.1% decline in the last trading session [5][6]

Market Overview - As market uncertainty and volatility increase, investor sentiment is shifting towards defensive and value-oriented sectors, leading to underperformance in high-growth areas like technology, semiconductors, and AI [1] - Energy has emerged as a leader in 2025, up 8.8% year-to-date, while Financials have gained 4.9%, both outperforming the broader market [2] Energy Sector - Energy stocks are trending higher as investors seek cash-generating assets in an uncertain market, similar to trends observed in 2022 [3] - Chevron (CVX) has generated over $15 billion in free cash flow in the trailing 12 months, resulting in a 5.1% free cash flow yield [4] - CVX has recently broken out from a three-year consolidation phase, indicating a major capital rotation from institutional investors into the stock [5] Insurance Sector - The insurance sector has gained 14% year-to-date, contrasting with the broader market index, which is down a few percent [8] - HCI Group has a Zacks Rank 1 (Strong Buy) and boasts a 19.7% free cash flow yield, significantly above the industry average [9] - HCI Group anticipates sales growth of 17.5% this year and earnings growth of 102%, currently trading at 9.9x forward earnings [9] Investment Opportunities - In a shifting market, CVX and HCI are highlighted as compelling investment opportunities due to their strong fundamentals and technical performance [12]

Core Viewpoint - HCI Group, Inc. has secured a long-term lease agreement with GEICO for a three-building campus in Tampa, Florida, which is expected to create over 1,000 new jobs in the local community [1][2]. Group 1: Lease Agreement and Job Creation - GEICO has signed a multi-year lease to fully occupy a campus owned by Greenleaf Capital, HCI's real estate division [1]. - The lease agreement is anticipated to bring more than 1,000 new jobs to the Tampa area [1]. Group 2: Property Acquisition and Valuation - Greenleaf acquired the office campus in 2023, which consists of approximately 190,000 square feet of leasable space [2]. - The carrying value of the office campus on HCI's balance sheet is approximately $17 million [2]. Group 3: Investment Value Enhancement - The combination of property improvements and the long-term lease with a high-quality tenant is expected to significantly enhance the equity value of the investment [3]. - Greenleaf has a history of acquiring properties at favorable prices and enhancing them to generate long-term value for HCI shareholders [3]. Group 4: Company Overview - HCI Group operates through two distinct units: one includes insurance companies and real estate, while the other, Exzeo Group, focuses on insurance technology [4]. - HCI Group's common shares are traded on the NYSE under the ticker symbol "HCI" and are included in the Russell 2000 and S&P SmallCap 600 Index [5].

Company Performance - HCI Group shares have increased by 16% over the past month, reaching a new 52-week high of $142.37, and have gained 20.5% since the start of the year, outperforming the Zacks Finance sector (4.3%) and the Zacks Insurance - Property and Casualty industry (14.5%) [1] - The company has a strong record of positive earnings surprises, not missing earnings consensus estimates in the last four quarters, with the latest EPS reported at $0.31 against a consensus estimate of $-2.75 [2] Financial Projections - For the current fiscal year, HCI Group is expected to post earnings of $14.98 per share on revenues of $881.26 million, reflecting a 102.16% increase in EPS and a 17.49% increase in revenues [3] - For the next fiscal year, earnings are projected to be $13.70 per share on revenues of $930.68 million, indicating a year-over-year change of -8.56% in EPS and a 5.61% increase in revenues [3] Valuation Metrics - HCI Group has a Value Score of A, a Growth Score of D, and a Momentum Score of B, resulting in a VGM Score of B [6] - The stock trades at 9.4X current fiscal year EPS estimates, below the peer industry average of 11.8X, and at 16.9X trailing cash flow, compared to the peer group's average of 12.7X [7] Zacks Rank - HCI Group holds a Zacks Rank of 1 (Strong Buy) due to favorable earnings estimate revisions from analysts [8] - The company aligns with the recommendation for investors to select stocks with Zacks Rank of 1 or 2 and Style Scores of A or B, indicating potential for future growth [9] Industry Comparison - The Insurance - Property and Casualty industry is performing well, ranking in the top 18% of all industries, suggesting positive conditions for HCI Group and its peers [12]

Core Insights - The financial sector is currently the leading sector in the Zacks 1 Rank list with 81 stocks, significantly outpacing the next sector, Computers, which has 32 stocks [1] - The financial sector has outperformed the broader market index by over 5% year-to-date, indicating strong fundamentals and a rotation of fund managers into this sector [2] Company Highlights - **OppFi (OPFI)**: A financial technology company providing accessible credit products, with a stock price increase of 43% year-to-date and a Zacks Rank 1 (Strong Buy). The company has achieved four consecutive earnings beats with surprise percentages ranging from 57% to 100% [4][5] - **NatWest Group (NWG)**: A major UK banking institution with stable operations and a Zacks Rank 1 (Strong Buy). The stock trades at 8.5x forward earnings, below the industry average of 10.4x, and has a PEG ratio of 0.87 based on projected earnings growth of 9.84% annually [8] - **HCI Group (HCI)**: A property and casualty insurance company with a Zacks Rank 1 (Strong Buy). The stock has seen earnings estimates rise by 16% over the past month and is currently trading at a forward earnings multiple of 9.3x, well below its 10-year median of 13x [10][12] Investment Opportunities - The combination of strong earnings momentum, attractive valuations, and technical strength makes OppFi, NatWest Group, and HCI Group compelling investment opportunities in the financial sector [13] - These companies operate in different areas of the financial sector but share rising analyst confidence and favorable positioning in a changing macro environment [14]

Core Viewpoint - HCI Group has shown strong stock performance recently, significantly outperforming the broader market and its industry, raising questions about its future direction [2][16]. Earnings Estimate Revisions - HCI Group is expected to report earnings of $4.49 per share for the current quarter, reflecting a year-over-year increase of +23% and a 30-day change in the Zacks Consensus Estimate of +11.4% [5]. - For the current fiscal year, the consensus earnings estimate is $14.98, indicating a substantial year-over-year change of +102.2%, with a 30-day change of +11% [5]. - The next fiscal year's consensus earnings estimate is $13.70, showing a decrease of -8.6% from the previous year, but has seen a 30-day increase of +14.2% [6]. - HCI Group has a Zacks Rank 1 (Strong Buy), indicating a positive outlook based on recent earnings estimate revisions [7]. Revenue Growth Forecast - The consensus sales estimate for the current quarter is $210.17 million, representing a year-over-year change of +1.7% [9]. - For the current fiscal year, the sales estimate is $881.26 million, indicating a growth of +17.5%, while the next fiscal year's estimate of $930.68 million reflects a growth of +5.6% [9]. Last Reported Results and Surprise History - In the last reported quarter, HCI Group generated revenues of $161.88 million, a slight decline of -0.5% year-over-year, with an EPS of $0.31 compared to $3.22 a year ago [10]. - The reported revenues were below the Zacks Consensus Estimate of $163.88 million, resulting in a revenue surprise of -1.22%, while the EPS surprise was +111.27% [11]. - The company has consistently beaten consensus EPS estimates over the last four quarters and has topped revenue estimates twice during this period [11]. Valuation - HCI Group is graded A in the Zacks Value Style Score, indicating it is trading at a discount compared to its peers [15].

Company Overview - HCI Group, Inc. (HCI) is positioned as an intriguing investment choice within the Insurance - Property and Casualty sector due to solid earnings estimate revisions and a favorable industry ranking [1][5]. - The company has experienced a positive shift in earnings estimates, indicating a more bullish outlook from analysts regarding its short and long-term prospects [3]. Industry Analysis - The Insurance - Property and Casualty industry currently holds a Zacks Industry Rank of 35 out of over 250 industries, suggesting it is well-positioned compared to other segments [2]. - A broad trend within the industry is likely benefiting multiple securities, indicating a rising tide effect that could lift overall performance [2]. Earnings Estimates - Over the past month, HCI's current quarter earnings estimates have increased from $3.87 per share to $4.49 per share, while current year estimates have risen from $13.33 per share to $14.98 per share [4]. - These revisions have contributed to HCI earning a Zacks Rank 1 (Strong Buy), highlighting the company's strong market position [4].