HCI Group (HCI) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
UNIVERSAL INSURANCE HOLDINGS INC (UVE) has outperformed HCI Group (HCI) over the past year, gaining 56.6% versus a loss of 1.2%. Over five years, UVE leads with a +247.2% price change compared with +55.8% for HCI. HCI Group is the larger company by market cap ($2.40 billion vs $1.31 billion), about 1.8 times the size.
On valuation, HCI Group trades at a lower forward P/E (9.6x vs 10.4x for UNIVERSAL INSURANCE HOLDINGS INC). UNIVERSAL INSURANCE HOLDINGS INC offers the higher dividend yield (1.36% vs 0.83%).
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 | UVE |
|---|---|---|
| Share price | $192.79 | $46.90 |
| Market cap | $2.40B | $1.31B |
| 1-day change | +0.23% | -0.15% |
| YTD return | +0.34% | +38.96% |
| 1-year return | -1.22% | +56.57% |
| 5-year return | +55.82% | +247.15% |
| P/E ratio (TTM) | 8.31 | 6.17 |
| Forward P/E | 9.63 | 10.42 |
| EPS (TTM) | $23.20 | $7.60 |
| Dividend yield | 0.83% | 1.36% |
| Annual dividend | $1.60 | $0.64 |
| Revenue (latest FY) | $900.95M | — |
| Revenue growth (YoY) | +20.12% | — |
| Net income (latest FY) | $299.00M | — |
| Net margin | 33.19% | — |
| 52-week high | $210.50 | $47.56 |
| 52-week low | $144.75 | $27.89 |
| Distance from 52-week high | -8.41% | -1.39% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +25.36% | -4.05% |
| Average volume | 160.60K | 194.25K |
| Shares outstanding | 12.44M | 27.83M |
| Employees | 594 | 929 |
| 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
- UVE has outperformed HCI by 57.8 percentage points over the past year.
- HCI Group trades at a higher earnings multiple (8.3x vs 6.2x trailing P/E).
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 UNIVERSAL INSURANCE HOLDINGS INC
UVE stock →Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages.
Finance · Property-Casualty Insurers · 929 employees
HCI vs UVE FAQ
Which is bigger, HCI Group or UNIVERSAL INSURANCE HOLDINGS INC?
HCI Group (HCI) is larger, with a market capitalization of $2.40B compared with $1.31B for UNIVERSAL INSURANCE HOLDINGS INC (UVE).
Which stock has performed better over the past year, HCI or UVE?
UVE returned +56.57% 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 UVE?
UVE has the lower trailing P/E at 6.2, 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 UNIVERSAL INSURANCE HOLDINGS INC?
UNIVERSAL INSURANCE HOLDINGS INC has the higher yield at 1.36%, compared with 0.83% for HCI Group.
Are HCI Group and UNIVERSAL INSURANCE HOLDINGS INC in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.