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HCI vs JPM

HCI
HCI Group, Inc.
BULLISH
Price
$155.31
Market Cap
$2.02B
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
HCI
6.84
JPM
15.68
Forward P/E
HCI
8.74
JPM
13.42
P/B Ratio
HCI
1.94
JPM
2.47
P/S Ratio
HCI
2.24
JPM
5.03
EV/EBITDA
HCI
2.12
JPM
--

Profitability

Gross Margin
HCI
59.57%
JPM
0.0%
Operating Margin
HCI
-397.98%
JPM
41.06%
Profit Margin
HCI
33.19%
JPM
33.91%
ROE
HCI
40.46%
JPM
16.13%
ROA
HCI
11.52%
JPM
1.35%

Growth

Revenue Growth
HCI
52.1%
JPM
2.5%
Earnings Growth
HCI
--
JPM
-3.6%

Financial Health

Debt/Equity
HCI
0.06
JPM
--
Current Ratio
HCI
1.2
JPM
--
Quick Ratio
HCI
0.94
JPM
--

Dividends

Dividend Yield
HCI
1.03%
JPM
1.91%
Payout Ratio
HCI
7.04%
JPM
28.97%

AI Verdict

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
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

HCI vs JPM: Head-to-Head Comparison

This page compares HCI Group, Inc. (HCI) and JPMorgan Chase & Co. (JPM) 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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