Profitability
Weight: 25%
B-
65
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 29.4%
- Loss Ratio Trend +14.01 pp/yr
HCI
HCI Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D
34
- 5yr Avg ROE 8.4%
- 5yr Share-Count CAGR 5.9%
Growth Quality
Weight: 10%
B
70
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 25.6%
- Loss Ratio Trend (growth quality check) +14.01 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
B
72
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 0.9%
- Loss Ratio Stability (σ) 0.27
Balance Sheet
Weight: 25%
A
92
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.79x
- Interest Coverage (EBIT/Int) 47.89x
Stability
Weight: 10%
C-
48
- EPS Volatility (σ/μ) 1.12
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed.
- Holders
- 2
- Avg Δ position
- -43.7%
- New buys
- 0
- Full exits
- 0