A

HCI Group, Inc. — Earnings Quality Grade A

HCI · Financial Services

Strong financial health

Revenue
$902M
2025
Net Income
$299M
2025
Gross Margin
Free Cash Flow
$441M
01

Screening Summary

12
Passed
0
Watch
0
Failed
M-Score

Management Signals

No recent CEO, CFO, board, or accounting leadership signals found in SEC 8-K filings.
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 141 days, change -156 days YoY

A2AR vs Revenue Growth

AR growth -43.0% vs revenue growth 20.3%

A3Revenue vs CFFO

Revenue 20.3%, CFFO 33.9%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

CapEx growth -10.3% vs revenue 20.3%. Normal

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.49. Profits backed by cash

C2Free Cash Flow

FCF $0.4B, FCF/NI = 1.47

C3Accruals Ratio

Accruals ratio = -5.8%. Low accruals

C4Cash vs Debt

Cash $1.2B covers debt $0.1B

04

Balance Sheet Health

D1Goodwill + Intangibles

Goodwill+Intangibles $0.0B = 0% of equity. Manageable

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change -48% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Portfolio monitoring

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Altman Z-Score — Not Applicable

HCI Group, Inc. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25