Profitability
Weight: 25%
A+
100
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 3.4%
- Operating Margin Trend +12.68 pp/yr
HCI
HCI Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
D+
41
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 8.8%
- 5yr Share-Count CAGR 10.7%
Growth Quality
Weight: 10%
A+
96
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 15.3%
- 5yr EPS CAGR 229.9%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 14.86x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 41.2%
- Interest Coverage (EBIT/Int) 47.89x
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 1.12
- Piotroski F-Score 8
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 trimmed.
- Holders
- 2 +1
- Avg Δ position
- -11.1%
- New buys
- 1
- Full exits
- 0