HCI Group stock (US40416E1038): Dividend yield and financial health in focus

HCI Group maintains steady dividend payments with a 0.78% yield and healthy payout ratio, reflecting stable earnings and cash flow management for income-focused investors.

HCI Group Inc, a property and casualty insurance provider, continues to deliver consistent dividend income to shareholders as of May 14, 2026. The company pays an annual dividend of $1.60 per share with a current yield of 0.78%, supported by a sustainable payout ratio of 14.18% based on trailing earnings, according to MarketBeat dividend data.

As of: May 14, 2026

By the editorial team – specialized in equity coverage.

At a glance

• Name: HCI Group Inc
• Sector/industry: Property and casualty insurance
• Headquarters/country: United States
• Home exchange/listing venue: NYSE (HCI)
• Trading currency: USD
• Annual dividend per share: $1.60
• Dividend yield: 0.78%
• Payout ratio: 14.18% (trailing earnings)

HCI Group: core business model

HCI Group operates as a property and casualty insurance company serving the United States market. The company focuses on homeowners insurance and related coverage products, positioning itself within the competitive insurance sector. With operations centered on underwriting and risk management, HCI Group generates revenue through premium collection and investment income, typical of traditional insurance carriers operating in the domestic market.

Dividend strategy and shareholder returns

The company's dividend structure reflects a conservative capital allocation approach. Quarterly payments of $0.40 per share are scheduled throughout the year, with the most recent ex-dividend date occurring on August 15, 2025, according to MarketBeat dividend history. The payout ratio of 14.18% indicates that the company retains substantial earnings for reinvestment, growth initiatives, and capital reserves—a prudent approach for insurance carriers managing underwriting risk and regulatory capital requirements.

Financial health indicators

HCI Group demonstrates solid financial fundamentals based on available metrics. The company's Piotroski F-Score of 9 indicates a very healthy financial situation, reflecting strong operational performance and balance sheet quality, according to GuruFocus analysis. The Beneish M-Score of -2.61 suggests low earnings manipulation risk, supporting the reliability of reported financial results. These indicators provide confidence in the sustainability of the company's dividend payments and overall financial stability.

Conclusion

HCI Group presents a profile consistent with income-oriented investors seeking stable dividend yields from an established insurance carrier. The combination of a 0.78% dividend yield, conservative 14.18% payout ratio, and strong financial health metrics suggests a company focused on sustainable shareholder returns rather than aggressive growth. US investors evaluating insurance sector exposure may find HCI Group's dividend consistency and financial stability noteworthy, though individual investment decisions should reflect personal risk tolerance and portfolio objectives.

Disclaimer: This article does not constitute investment advice. Stocks are volatile financial instruments.