HCI Group (HCI) vs NMI (NMIH)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
NMI (NMIH) has outperformed HCI Group (HCI) over the past year, gaining 12.8% versus a loss of 1.2%. Over five years, NMIH leads with a +64.7% price change compared with +55.8% for HCI. NMI is the larger company by market cap ($3.01 billion vs $2.38 billion), about 1.3 times the size, while HCI Group is growing revenue faster (+20.1% vs +8.5%).
On valuation, NMI trades at a lower forward P/E (7.2x vs 9.6x for HCI Group). HCI Group pays a dividend yielding 0.83%, while NMI does not currently pay one. NMI converts more of its revenue into profit, with a net margin of 55.1% versus 33.2%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | HCI | NMIH |
|---|---|---|
| Share price | $191.69 | $40.01 |
| Market cap | $2.38B | $3.01B |
| 1-day change | -0.34% | -1.48% |
| YTD return | +0.34% | -0.44% |
| 1-year return | -1.22% | +12.84% |
| 5-year return | +55.82% | +64.75% |
| P/E ratio (TTM) | 8.26 | 7.88 |
| Forward P/E | 9.58 | 7.25 |
| EPS (TTM) | $23.20 | $5.08 |
| Dividend yield | 0.83% | 0.00% |
| Annual dividend | $1.60 | $0.00 |
| Revenue (latest FY) | $900.95M | $706.44M |
| Revenue growth (YoY) | +20.12% | +8.52% |
| Net income (latest FY) | $299.00M | $388.93M |
| Net margin | 33.19% | 55.05% |
| 52-week high | $210.50 | $46.74 |
| 52-week low | $144.75 | $34.84 |
| Distance from 52-week high | -8.94% | -14.40% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +26.07% | +24.62% |
| Average volume | 160.60K | 564.87K |
| Shares outstanding | 12.44M | 75.22M |
| Employees | 594 | 225 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- NMIH has outperformed HCI by 14.1 percentage points over the past year.
- NMI is more profitable, keeping 55.1 cents of every revenue dollar as net income versus 33.2 cents for HCI Group.
- HCI Group grew revenue faster in its latest fiscal year (+20.12% vs +8.52%).
About HCI Group
HCI stock →HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments.
Finance · Property-Casualty Insurers · 594 employees
About NMI
NMIH stock →NMI Holdings, Inc., together with its subsidiaries, provides private mortgage guaranty insurance services in the United States. It provides primary mortgage insurance services; and outsourced loan review services to mortgage loan originators.
Finance · Property-Casualty Insurers · 225 employees
HCI vs NMIH FAQ
Which is bigger, HCI Group or NMI?
NMI (NMIH) is larger, with a market capitalization of $3.01B compared with $2.38B for HCI Group (HCI).
Which stock has performed better over the past year, HCI or NMIH?
NMIH returned +12.84% over the past 12 months, compared with -1.22% for HCI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HCI or NMIH?
NMIH has the lower trailing P/E at 7.9, versus 8.3 for HCI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, HCI Group or NMI?
HCI Group pays a dividend yielding 0.83%, while NMI does not currently pay a regular dividend.
Are HCI Group and NMI in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.