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Sifting through countless of stocks in the Insurance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in HCI Group, Inc. or Assured Guaranty Ltd. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.
Read on to learn how HCI Group, Inc. and Assured Guaranty Ltd. compare based on key financial metrics to determine which better meets your investment needs.
About HCI Group, Inc. and Assured Guaranty Ltd.
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, insurance management, reinsurance, real estate, and information technology businesses in the United States. It operates through Insurance Operations, TypTap Group, Reciprocal Exchange Operations, and Real Estate Operations segments. The company provides residential insurance products, such as homeowners, fire, and wind-only insurance to homeowners, condominium owners, and tenants for properties, as well as offers reinsurance programs. It also owns and operates waterfront properties and retail shopping centers, and an office building, as well as commercial properties for investment purposes. In addition, the company designs and develops web-based applications and products, including SAMS, an online policy administration platform; Harmony, a policy administration platform; ClaimColony, an end-to-end claims management platform; and AtlasViewer, a mapping and data visualization platform. 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.
Assured Guaranty Ltd., together with its subsidiaries, provides credit protection products to public finance and structured finance markets in the United States and internationally. It operates through two segments, Insurance and Asset Management. The company offers financial guaranty insurance that protects holders of debt instruments and other monetary obligations from defaults in scheduled payments. It also provides specialty insurance and reinsurance on transactions with risk profiles similar to those of its structured finance exposures written in financial guaranty form, as well as offers credit protection through reinsurance. In addition, the company insures and reinsures various the U.S. public finance obligations, such as general obligation, tax-backed, municipal utility, transportation, healthcare, higher education, infrastructure, housing revenue, investor-owned utility, renewable energy, and other public finance bonds. Further, the company involved in insuring and reinsuring of non-U.S. public finance obligations comprising regulated utilities, infrastructure finance, sovereign and sub-sovereign, renewable energy bonds, and pooled infrastructure obligations; and the U.S. and non-U.S. structured finance obligations, including residential mortgage-backed securities, life insurance transactions, consumer receivables securities, subscription finance facilities, pooled corporate obligations, and financial products. Additionally, it offers specialty business, such as diversified real estate, insurance securitizations, pooled corporate obligations, and aircraft residual value insurance (RVI) transactions; and asset management services comprising investment advisory services. It markets its financial guaranty insurance directly to issuers and underwriters of public finance and structured finance securities, as well as to investors. Assured Guaranty Ltd. was incorporated in 2003 and is headquartered in Hamilton, Bermuda.
Latest Insurance and HCI Group, Inc., Assured Guaranty Ltd. Stock News
As of August 18, 2025, HCI Group, Inc. had a $2.0 billion market capitalization, compared to the Insurance median of $4.7 million. HCI Group, Inc.’s stock is NA in 2025, NA in the previous five trading days and up 63.23% in the past year.
Currently, HCI Group, Inc.’s price-earnings ratio is 13.5. HCI Group, Inc.’s trailing 12-month revenue is $775.5 million with a 18.6% net profit margin. Year-over-year quarterly sales growth most recently was 7.6%. Analysts expect adjusted earnings to reach $16.275 per share for the current fiscal year. HCI Group, Inc. currently has a 1.0% dividend yield.
Currently, Assured Guaranty Ltd.’s price-earnings ratio is 8.9. Assured Guaranty Ltd.’s trailing 12-month revenue is $891.0 million with a 52.5% net profit margin. Year-over-year quarterly sales growth most recently was 3.7%. Analysts expect adjusted earnings to reach $7.351 per share for the current fiscal year. Assured Guaranty Ltd. currently has a 1.7% dividend yield.
How We Compare HCI Group, Inc. and Assured Guaranty Ltd. Stock Grades
Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.
AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at HCI Group, Inc. and Assured Guaranty Ltd.’s stock grades to see how they measure up against one another.
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