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AAMI vs HCI

AAMI
Acadian Asset Management Inc.
NEUTRAL
Price
$55.19
Market Cap
$1.98B
Sector
Financial Services
AI Confidence
72%
HCI
HCI Group, Inc.
BULLISH
Price
$155.31
Market Cap
$2.02B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AAMI
23.49
HCI
6.84
Forward P/E
AAMI
12.52
HCI
8.74
P/B Ratio
AAMI
101.45
HCI
1.94
P/S Ratio
AAMI
3.53
HCI
2.24
EV/EBITDA
AAMI
14.62
HCI
2.12

Profitability

Gross Margin
AAMI
43.89%
HCI
59.57%
Operating Margin
AAMI
18.31%
HCI
-397.98%
Profit Margin
AAMI
15.7%
HCI
33.19%
ROE
AAMI
205.58%
HCI
40.46%
ROA
AAMI
13.31%
HCI
11.52%

Growth

Revenue Growth
AAMI
17.1%
HCI
52.1%
Earnings Growth
AAMI
-6.7%
HCI
--

Financial Health

Debt/Equity
AAMI
3.03
HCI
0.06
Current Ratio
AAMI
1.53
HCI
1.2
Quick Ratio
AAMI
1.42
HCI
0.94

Dividends

Dividend Yield
AAMI
0.07%
HCI
1.03%
Payout Ratio
AAMI
1.69%
HCI
7.04%

AI Verdict

AAMI NEUTRAL

The Advanced Deterministic Scorecard shows a Piotroski F-Score of 5/9, indicating stable financial health, while the Altman Z-Score is unavailable, limiting distress risk assessment. The company trades at a significant premium to its Graham Number of $5.36, with a current price of $55.19, though growth-based intrinsic value suggests $16.45. Strong revenue growth (17.10% YoY) and consistent earnings beats are offset by high leverage (Debt/Equity: 3.03) and declining recent earnings growth (YoY: -6.70%). Insider selling and a bearish technical trend further temper optimism.

Strengths
Consistent quarterly earnings beats with an average surprise of 10.22% over the last four quarters
Strong revenue growth of 17.10% year-over-year, outpacing sector average in profitability despite lower growth
High profitability margins: gross margin at 43.89%, operating margin at 18.31%, and profit margin at 15.70%
Risks
High Debt/Equity ratio of 3.03, well above sector average of 1.73, increasing financial risk
Negative year-over-year earnings growth of -6.70% and declining Q/Q earnings growth of -10.70%
Current price ($55.19) is over 10x the Graham Number ($5.36), suggesting extreme overvaluation on a defensive basis
HCI BULLISH

HCI presents a compelling value opportunity, trading below both its Intrinsic Value ($159.04) and Graham Number ($202.39). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, this is offset by an exceptional ROE of 40.46% and a very low Debt/Equity ratio of 0.06. The company is significantly undervalued relative to its sector, with a P/E of 6.84 compared to a sector average of 37.44. Despite a bearish technical trend, the combination of 52.1% revenue growth and consistent earnings beats suggests strong fundamental momentum.

Strengths
Deep value valuation with a P/E of 6.84 and PEG of 0.97
Exceptional capital efficiency with ROE at 40.46%
Strong top-line growth with 52.1% YoY revenue increase
Risks
Severe bearish technical trend (0/100 score)
Extreme discrepancy in operating margin (-397.98%) vs profit margin (33.19%)
Exposure to catastrophic insurance events and regulatory changes

Compare Another Pair

AAMI vs HCI: Head-to-Head Comparison

This page compares Acadian Asset Management Inc. (AAMI) and HCI Group, Inc. (HCI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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