HCI Group (HCI) vs United Fire Group (UFCS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
United Fire Group (UFCS) has outperformed HCI Group (HCI) over the past year, gaining 81.5% versus a loss of 1.2%. Over five years, UFCS leads with a +156.2% price change compared with +55.8% for HCI. HCI Group is the larger company by market cap ($2.39 billion vs $1.45 billion), about 1.7 times the size.
On valuation, HCI Group trades at a lower forward P/E (9.6x vs 11.7x for United Fire Group). United Fire Group offers the higher dividend yield (1.28% vs 0.83%). HCI Group converts more of its revenue into profit, with a net margin of 33.2% versus 8.5%.
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 | UFCS |
|---|---|---|
| Share price | $192.35 | $56.40 |
| Market cap | $2.39B | $1.45B |
| 1-day change | +3.01% | +2.45% |
| YTD return | +0.34% | +55.16% |
| 1-year return | -1.22% | +81.47% |
| 5-year return | +55.82% | +156.25% |
| P/E ratio (TTM) | 8.05 | 10.46 |
| Forward P/E | 9.61 | 11.65 |
| EPS (TTM) | $23.90 | $5.39 |
| Dividend yield | 0.83% | 1.28% |
| Annual dividend | $1.60 | $0.72 |
| Revenue (latest FY) | $900.95M | $1.39B |
| Revenue growth (YoY) | +20.12% | +10.62% |
| Net income (latest FY) | $299.00M | $118.19M |
| Net margin | 33.19% | 8.52% |
| 52-week high | $210.50 | $56.74 |
| 52-week low | $144.75 | $29.85 |
| Distance from 52-week high | -8.62% | -0.60% |
| Analyst consensus | buy | none |
| Avg. price target upside | +25.64% | +3.72% |
| Average volume | 160.60K | 150.41K |
| Shares outstanding | 12.44M | 25.71M |
| Employees | 594 | 846 |
| 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
- UFCS has outperformed HCI by 82.7 percentage points over the past year.
- United Fire Group trades at a higher earnings multiple (10.5x vs 8.0x trailing P/E).
- HCI Group is more profitable, keeping 33.2 cents of every revenue dollar as net income versus 8.5 cents for United Fire Group.
- HCI Group grew revenue faster in its latest fiscal year (+20.12% vs +10.62%).
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 United Fire Group
UFCS stock →United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing.
Finance · Property-Casualty Insurers · 846 employees
HCI vs UFCS FAQ
Which is bigger, HCI Group or United Fire Group?
HCI Group (HCI) is larger, with a market capitalization of $2.39B compared with $1.45B for United Fire Group (UFCS).
Which stock has performed better over the past year, HCI or UFCS?
UFCS returned +81.47% 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 UFCS?
HCI has the lower trailing P/E at 8.0, versus 10.5 for UFCS. 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 United Fire Group?
United Fire Group has the higher yield at 1.28%, compared with 0.83% for HCI Group.
Are HCI Group and United Fire Group in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.