Is HCI Group, Inc. (HCI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 59.6% | |
| Operating Margin | -3.6% | |
| Net Margin | 33.2% | |
| Return on Equity (ROE) | 40.5% | |
| Return on Assets (ROA) | 11.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $444M |
| Free Cash Flow | $441M |
| Total Debt | $68M |
| Debt-to-Equity | 27.6 |
| Current Ratio | 1.2 |
| Total Assets | $2.5B |
Price & Trading
| Last Close | $153.01 |
| 50-Day MA | $161.67 |
| 200-Day MA | $169.22 |
| Avg Volume | 143K |
| Beta | 1.1 |
|
52-Week Range
$129.58
| |
About HCI Group, Inc. (HCI)
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. It provides homeowners' property and casualty insurance products; claim adjusting and processing services; turnkey insurance technology and operations solutions to property and casualty insurance carriers and its agents through the Exzeo platform; and SAMSTM, a web-based system designed to automate and streamline the process of managing insurance policies. The company also offers Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; AtlasViewer, a mapping and data visualization platform. In addition, it is involved in reciprocal exchange operations; and developing and operating commercial properties for investment purposes. The company was formerly known as Homeowners Choice, Inc. and changed its name to HCI Group, Inc. in May 2013. HCI Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.
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Frequently Asked Questions
Is HCI Group, Inc. (HCI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), HCI Group, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is HCI Group, Inc.'s debt ratio?
HCI Group, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are HCI Group, Inc.'s key financial metrics?
HCI Group, Inc. has a market capitalization of $2.0B, trailing P/E ratio of 6.6, and revenue of $902M. The company maintains a gross margin of 59.6% and a net margin of 33.2%. Return on equity stands at 40.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.