United Fire [UFCS] vs HCI [HCI] Detailed Stock Comparison

United Fire Group, Inc.

NASDAQ
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HCI Group Inc.

NYSE
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TLDR: Quick Comparison Summary

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

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Vital Metrics Comparison

Metric United Fire Group, Inc. HCI Group Inc. Better
P/E Ratio (TTM) 8.92 6.77 HCI Group Inc.
Price-to-Book Ratio 1.08 1.92 United Fire Group, Inc.
Debt-to-Equity Ratio 16.93 6.09 HCI Group Inc.
PEG Ratio 0.42 0.00 Tie
EV/EBITDA 6.02 2.08 HCI Group Inc.
Profit Margin (TTM) 8.53% 33.19% HCI Group Inc.
Operating Margin (TTM) 14.05% -397.98% United Fire Group, Inc.
EBITDA Margin (TTM) 14.05% N/A N/A
Return on Equity 13.72% 40.46% HCI Group Inc.
Return on Assets (TTM) 2.72% 11.52% HCI Group Inc.
Free Cash Flow (TTM) $263.30M $440.82M HCI Group Inc.
Dividend Yield 2.12% 1.02% United Fire Group, Inc.
1-Year Return 55.82% -8.71% United Fire Group, Inc.
Price-to-Sales Ratio (TTM) 0.74 2.22 United Fire Group, Inc.
Enterprise Value $1.02B $930.91M United Fire Group, Inc.
EV/Revenue Ratio 0.74 1.03 United Fire Group, Inc.
Revenue per Share (TTM) $54 $77 HCI Group Inc.
Earnings per Share (Diluted) $4.48 $22.72 HCI Group Inc.
Beta (Stock Volatility) 0.41 1.15 United Fire Group, Inc.
Short % of Float 1.63% 3.22% United Fire Group, Inc.

United Fire Group, Inc. vs HCI Group Inc. Stock Performance Analysis

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UFCS
HCI

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
United Fire Group, Inc.-1.19%-4.13%10.07%12.21%19.41%21.36%
HCI Group Inc.-1.54%-3.78%0.38%-14.85%-16.60%-18.53%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
United Fire Group, Inc.55.82%99.68%45.30%6.49%144.24%40.51%
HCI Group Inc.-8.71%180.28%87.89%384.04%2,223.83%2,365.12%

Performance & Financial Health Analysis: United Fire Group, Inc. vs HCI Group Inc.

MetricUFCSHCI
Market Information
Market Cap i$1.02B$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i95,655268,006
90 Day Avg. Volume i103,435189,775
Last Close$43.18$149.82
52 Week Range$25.79 - $49.94$136.37 - $210.50
% from 52W High-13.54%-28.83%
All-Time High$61.56 (Jul 23, 2018)$210.50 (Oct 24, 2025)
% from All-Time High-29.86%-28.83%
Growth Metrics
Quarterly Revenue Growth0.10%0.52%
Quarterly Earnings Growth0.22%36.79%
Financial Health
Profit Margin (TTM) i0.09%0.33%
Operating Margin (TTM) i0.14%-3.98%
Return on Equity (TTM) i0.14%0.40%
Debt to Equity (MRQ) i16.936.09
Cash & Liquidity
Book Value per Share (MRQ)$36.88$80.13
Cash per Share (MRQ)$6.13$93.14
Operating Cash Flow (TTM) i$269.74M$444.45M
Levered Free Cash Flow (TTM) i$-1,115,687,936$403.05M
Dividends
Last 12-Month Dividend Yield i2.12%1.02%
Last 12-Month Dividend i$0.84$1.60

Valuation & Enterprise Metrics Analysis: United Fire Group, Inc. vs HCI Group Inc.

MetricUFCS (Apr 24, 2026)HCI (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.926.77
Forward P/E i10.718.66
PEG Ratio i0.420.00
Price to Sales (TTM) i0.742.22
Price to Book (MRQ) i1.081.92
Market Capitalization
Market Capitalization i$1.02B$1.99B
Enterprise Value i$1.02B$930.91M
Enterprise Value Metrics
Enterprise to Revenue i0.741.03
Enterprise to EBITDA i6.022.08
Risk & Other Metrics
Beta i0.411.15
Book Value per Share (MRQ) i$36.88$80.13

Financial Statements Comparison: United Fire Group, 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

MetricUFCS (2025)HCI (2025)
Revenue/Sales i1.39B901.77M
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 i147.94M429.33M
Pre-Tax Income % of Revenue i10.7%47.6%
Income Tax i29.75M108.94M
Income Tax % of Revenue i2.1%12.1%
Net Income (Profit) i118.19M320.40M
Profit Margin i8.5%35.5%

Balance Sheet & Liquidity Metrics

MetricUFCS (2025)HCI (2025)
Cash & Equivalents i156.33M1.21B
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 i146.20M31.88M
Long-Term Debt % of Revenue i10.5%3.5%
Total Shareholders Equity i941.17M1.11B
Retained Earnings i722.32M611.51M
Retained Earnings % of Revenue i52.0%67.8%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricUFCS (2025)HCI (2025)
Operating Cash Flow i89.34M585.24M
Operating Cash Flow % of Revenue i6.4%64.9%
Capital Expenditures i-6.45M-3.63M
Free Cash Flow i263.30M440.82M
FCF Margin i19.0%48.9%
Debt Repayment iN/A-8.65M
Common Stock Repurchase i-993,000-1.52M

Short Interest & Institutional Ownership Analysis

MetricUFCSHCI
Shares Short i292,428309,562
Short Ratio i2.842.34
Short % of Float i1.63%3.22%
Shares Outstanding i25.52M12.99M
Float Shares i22.08M11.11M
% Held by Insiders i17.43%14.44%
% Held by Institutions i67.88%81.53%
% Held by Public i14.69%4.03%

Dividend Analysis & Yield Comparison: United Fire Group, Inc. vs HCI Group Inc.

MetricUFCSHCI
Last 12-Month Dividend i$0.84$1.60
Last 12-Month Dividend Yield i2.12%1.02%
3-Year Avg Annual Dividend i$0.71$1.60
3-Year Avg Dividend Yield i0.63%0.40%
3-Year Total Dividends i$2.12$4.80
Ex-Dividend DateFeb 24, 2026Feb 20, 2026