HCI
HCI
US40416E1038
HCI Group, Inc.
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Pure Price Volatility Risk (Market Swings)

The business itself is financially solid (Financial Health 85/100, minimal insolvency risk). The high overall score (7/7) is driven primarily by extreme stock price swings (±42.1% p.a.) and steep historical drawdowns.

Volatility Risk

Transparent evaluation of price volatility (SRI), Beta, and historical drawdowns.

Volatility Risk Score
7/7 Very High
7 / 7 SRI Price Fluctuation & Beta

Very high volatility or fundamental risks. Significant loss potential; strictly for aggressive investors. Largely moves in line with the broader market.

Beta (Market Relation)
1.05x
Above average
Volatility (5Y p.a.)
42.1% p.a.
5-Year Horizon
Max Drawdown (5Y)
-79.3%
5-Year Horizon
Sharpe Ratio
0.13
Return / Risk
Speculative / High Risk: Score Basis:

Multi-Horizon Risk & Performance Matrix

Historical volatility, drawdowns, and risk-adjusted return across 1, 3, 5, and 10 years.

High Volatility
Timeframe
Volatility (p.a.)
Max Drawdown
Sharpe Ratio
Return (p.a.)
1 Year — — — -1.2%
3 Years 36.5% -28.6% 1.34 +51.4%
5 Years 42.1% -79.3% 0.13 +7.8%
10 Years 41.2% -79.3% 0.45 +21.2%

Automated Risk & Health Notes (Red Flags)

Single Stock Risk: Investing in an individual stock carries full company and insolvency risk (no fund diversification).
Exemplary balance sheet strength: Very solid ratio of equity to debt.
🔴 Low analyst coverage – higher uncertainty in growth estimates & projections
Structurally High Volatility: Above-average fluctuations persist across 5 to 10 years (42.1% p.a.).
Historical Stress Test: Maximum peak-to-trough drawdown of -79.3% in the extended horizon.

Corporate Governance & ISS Scores

Shareholder rights, board structure and audit safety (Scale 1 = Low Risk, 10 = High Risk)
Overall Governance Risk
8 ISS Score: 8 / 10
Audit Risk
6 ISS Score: 6 / 10
Board Risk
10 ISS Score: 10 / 10
Short Ratio
4.03
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