Root [ROOT] vs HCI [HCI] Detailed Stock Comparison

Root Inc.

NASDAQ
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HCI Group Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Root Inc. wins in 4 metrics, HCI Group Inc. wins in 13 metrics, with 1 ties. HCI Group Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Root Inc. HCI Group Inc. Better
P/E Ratio (TTM) 23.26 6.77 HCI Group Inc.
Price-to-Book Ratio 2.99 1.92 HCI Group Inc.
Debt-to-Equity Ratio 51.63 6.09 HCI Group Inc.
PEG Ratio -0.31 0.00 Tie
EV/EBITDA 7.84 2.08 HCI Group Inc.
Profit Margin (TTM) 2.53% 33.19% HCI Group Inc.
Operating Margin (TTM) 2.65% -397.98% Root Inc.
EBITDA Margin (TTM) 2.65% N/A N/A
Return on Equity 11.32% 40.46% HCI Group Inc.
Return on Assets (TTM) 2.44% 11.52% HCI Group Inc.
Free Cash Flow (TTM) $192.40M $440.82M HCI Group Inc.
Dividend Yield N/A 1.02% N/A
1-Year Return -62.57% 3.06% HCI Group Inc.
Price-to-Sales Ratio (TTM) 0.56 2.22 Root Inc.
Enterprise Value $510.12M $930.91M HCI Group Inc.
EV/Revenue Ratio 0.34 1.03 Root Inc.
Revenue per Share (TTM) $99 $77 Root Inc.
Earnings per Share (Diluted) $2.36 $22.72 HCI Group Inc.
Beta (Stock Volatility) 2.90 1.15 HCI Group Inc.
Short % of Float 16.70% 3.22% HCI Group Inc.

Root Inc. vs HCI Group Inc. Stock Performance Analysis

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ROOT
HCI

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Root Inc.-0.07%-0.11%-0.92%23.84%-32.39%-22.62%
HCI Group Inc.1.70%6.04%4.33%-0.98%-12.71%-11.27%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Root Inc.-62.57%764.57%-71.52%-87.28%-87.28%-87.28%
HCI Group Inc.3.06%177.98%73.35%476.12%2,273.52%2,467.20%

Performance & Financial Health Analysis: Root Inc. vs HCI Group Inc.

MetricROOTHCI
Market Information
Market Cap i$839.33M$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i326,024268,006
90 Day Avg. Volume i303,905189,775
Last Close$54.86$163.17
52 Week Range$40.91 - $152.99$136.37 - $210.50
% from 52W High-64.14%-22.48%
All-Time High$530.64 (Oct 26, 2020)$210.50 (Oct 24, 2025)
% from All-Time High-89.66%-22.48%
Growth Metrics
Quarterly Revenue Growth0.22%0.52%
Quarterly Earnings Growth-0.76%36.79%
Financial Health
Profit Margin (TTM) i0.03%0.33%
Operating Margin (TTM) i0.03%-3.98%
Return on Equity (TTM) i0.11%0.40%
Debt to Equity (MRQ) i51.636.09
Cash & Liquidity
Book Value per Share (MRQ)$18.34$80.13
Cash per Share (MRQ)$43.03$93.14
Operating Cash Flow (TTM) i$206.50M$444.45M
Levered Free Cash Flow (TTM) i$83.06M$403.05M
Dividends
Last 12-Month Dividend Yield iN/A1.02%
Last 12-Month Dividend iN/A$1.60

Valuation & Enterprise Metrics Analysis: Root Inc. vs HCI Group Inc.

MetricROOT (Apr 24, 2026)HCI (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i23.266.77
Forward P/E i17.168.66
PEG Ratio i-0.310.00
Price to Sales (TTM) i0.562.22
Price to Book (MRQ) i2.991.92
Market Capitalization
Market Capitalization i$839.33M$1.99B
Enterprise Value i$510.12M$930.91M
Enterprise Value Metrics
Enterprise to Revenue i0.341.03
Enterprise to EBITDA i7.842.08
Risk & Other Metrics
Beta i2.901.15
Book Value per Share (MRQ) i$18.34$80.13

Financial Statements Comparison: Root Inc. vs HCI Group Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricROOT (2025)HCI (2025)
Revenue/Sales i1.52B901.77M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i40.80M429.33M
Pre-Tax Income % of Revenue i2.7%47.6%
Income Tax i-500,000108.94M
Income Tax % of Revenue i0.0%12.1%
Net Income (Profit) i41.30M320.40M
Profit Margin i2.7%35.5%

Balance Sheet & Liquidity Metrics

MetricROOT (2025)HCI (2025)
Cash & Equivalents i669.30M1.21B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i200.30M31.88M
Long-Term Debt % of Revenue i13.2%3.5%
Total Shareholders Equity i284.30M1.11B
Retained Earnings i-1.64B611.51M
Retained Earnings % of Revenue i-108.2%67.8%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricROOT (2025)HCI (2025)
Operating Cash Flow i65.70M585.24M
Operating Cash Flow % of Revenue i4.3%64.9%
Capital Expenditures i0-3.63M
Free Cash Flow i192.40M440.82M
FCF Margin i12.7%48.9%
Debt Repayment i0-8.65M
Common Stock Repurchase i0-1.52M

Short Interest & Institutional Ownership Analysis

MetricROOTHCI
Shares Short i2.19M309,562
Short Ratio i6.222.34
Short % of Float i16.70%3.22%
Shares Outstanding i15.51M12.99M
Float Shares i12.38M11.11M
% Held by Insiders i7.90%14.44%
% Held by Institutions i69.95%81.53%
% Held by Public i22.15%4.03%

Dividend Analysis & Yield Comparison: Root Inc. vs HCI Group Inc.

MetricROOTHCI
Last 12-Month Dividend iN/A$1.60
Last 12-Month Dividend Yield iN/A1.02%
3-Year Avg Annual Dividend iN/A$1.60
3-Year Avg Dividend Yield iN/A0.40%
3-Year Total Dividends iN/A$4.80
Ex-Dividend DateN/AFeb 20, 2026