Safety Insurance [SAFT] vs HCI [HCI] Detailed Stock Comparison

Safety Insurance Group Inc.

NASDAQ
Loading...

HCI Group Inc.

NYSE
Loading...

TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Safety Insurance Group Inc. wins in 9 metrics, HCI Group Inc. wins in 9 metrics, with 1 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric Safety Insurance Group Inc. HCI Group Inc. Better
P/E Ratio (TTM) 11.36 6.77 HCI Group Inc.
Price-to-Book Ratio 1.25 1.92 Safety Insurance Group Inc.
Debt-to-Equity Ratio 6.93 6.09 HCI Group Inc.
PEG Ratio 0.08 0.00 Tie
EV/EBITDA 8.16 2.08 HCI Group Inc.
Profit Margin (TTM) 7.85% 33.19% HCI Group Inc.
Operating Margin (TTM) 8.13% -397.98% Safety Insurance Group Inc.
EBITDA Margin (TTM) 8.13% N/A N/A
Return on Equity 11.54% 40.46% HCI Group Inc.
Return on Assets (TTM) 3.38% 11.52% HCI Group Inc.
Free Cash Flow (TTM) $191.99M $440.82M HCI Group Inc.
Dividend Yield 5.81% 1.02% Safety Insurance Group Inc.
1-Year Return -8.81% 3.06% HCI Group Inc.
Price-to-Sales Ratio (TTM) 0.88 2.22 Safety Insurance Group Inc.
Enterprise Value $1.10B $930.91M Safety Insurance Group Inc.
EV/Revenue Ratio 0.87 1.03 Safety Insurance Group Inc.
Revenue per Share (TTM) $86 $77 Safety Insurance Group Inc.
Earnings per Share (Diluted) $6.70 $22.72 HCI Group Inc.
Beta (Stock Volatility) 0.22 1.15 Safety Insurance Group Inc.
Short % of Float 1.85% 3.22% Safety Insurance Group Inc.

Safety Insurance Group Inc. vs HCI Group Inc. Stock Performance Analysis

Loading Price Chart...

SAFT
HCI

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Safety Insurance Group Inc.-0.49%2.36%0.61%-2.82%-8.58%-5.61%
HCI Group Inc.1.70%6.04%4.33%-0.98%-12.71%-11.27%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Safety Insurance Group Inc.-8.81%-2.07%-8.73%19.25%71.84%57.13%
HCI Group Inc.3.06%177.98%73.35%476.12%2,273.52%2,467.20%

Performance & Financial Health Analysis: Safety Insurance Group Inc. vs HCI Group Inc.

MetricSAFTHCI
Market Information
Market Cap i$1.12B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i83,325268,006
90 Day Avg. Volume i95,402189,775
Last Close$71.46$163.17
52 Week Range$67.04 - $81.49$136.37 - $210.50
% from 52W High-12.31%-22.48%
All-Time High$103.96 (Sep 23, 2019)$210.50 (Oct 24, 2025)
% from All-Time High-31.26%-22.48%
Growth Metrics
Quarterly Revenue Growth0.11%0.52%
Quarterly Earnings Growth1.47%36.79%
Financial Health
Profit Margin (TTM) i0.08%0.33%
Operating Margin (TTM) i0.08%-3.98%
Return on Equity (TTM) i0.12%0.40%
Debt to Equity (MRQ) i6.936.09
Cash & Liquidity
Book Value per Share (MRQ)$60.99$80.13
Cash per Share (MRQ)$5.05$93.14
Operating Cash Flow (TTM) i$194.50M$444.45M
Levered Free Cash Flow (TTM) i$204.97M$403.05M
Dividends
Last 12-Month Dividend Yield i5.81%1.02%
Last 12-Month Dividend i$4.56$1.60

Valuation & Enterprise Metrics Analysis: Safety Insurance Group Inc. vs HCI Group Inc.

MetricSAFT (Apr 26, 2026)HCI (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.366.77
Forward P/E i12.188.66
PEG Ratio i0.080.00
Price to Sales (TTM) i0.882.22
Price to Book (MRQ) i1.251.92
Market Capitalization
Market Capitalization i$1.12B$1.99B
Enterprise Value i$1.10B$930.91M
Enterprise Value Metrics
Enterprise to Revenue i0.871.03
Enterprise to EBITDA i8.162.08
Risk & Other Metrics
Beta i0.221.15
Book Value per Share (MRQ) i$60.99$80.13

Financial Statements Comparison: Safety Insurance Group Inc. vs HCI Group Inc.

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSAFT (2025)HCI (2025)
Revenue/Sales i1.25B901.77M
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 i126.68M429.33M
Pre-Tax Income % of Revenue i10.1%47.6%
Income Tax i27.43M108.94M
Income Tax % of Revenue i2.2%12.1%
Net Income (Profit) i99.26M320.40M
Profit Margin i7.9%35.5%

Balance Sheet & Liquidity Metrics

MetricSAFT (2025)HCI (2025)
Cash & Equivalents i73.90M1.21B
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 i11.86M31.88M
Long-Term Debt % of Revenue i0.9%3.5%
Total Shareholders Equity i892.31M1.11B
Retained Earnings i844.06M611.51M
Retained Earnings % of Revenue i67.3%67.8%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricSAFT (2025)HCI (2025)
Operating Cash Flow i86.33M585.24M
Operating Cash Flow % of Revenue i6.9%64.9%
Capital Expenditures i-2.51M-3.63M
Free Cash Flow i191.99M440.82M
FCF Margin i15.3%48.9%
Debt Repayment i-30.00M-8.65M
Common Stock Repurchase i-20.00M-1.52M

Short Interest & Institutional Ownership Analysis

MetricSAFTHCI
Shares Short i161,855309,562
Short Ratio i1.772.34
Short % of Float i1.85%3.22%
Shares Outstanding i14.63M12.99M
Float Shares i14.30M11.11M
% Held by Insiders i2.12%14.44%
% Held by Institutions i86.25%81.53%
% Held by Public i11.63%4.03%

Dividend Analysis & Yield Comparison: Safety Insurance Group Inc. vs HCI Group Inc.

MetricSAFTHCI
Last 12-Month Dividend i$4.56$1.60
Last 12-Month Dividend Yield i5.81%1.02%
3-Year Avg Annual Dividend i$3.92$1.60
3-Year Avg Dividend Yield i1.17%0.40%
3-Year Total Dividends i$11.76$4.80
Ex-Dividend DateMar 02, 2026Feb 20, 2026