HCI Group Inc (HCI)vsJPMorgan Chase & Co (JPM)
HCI
HCI Group Inc
$148.98
-2.14%
FINANCIAL SERVICES · Cap: $1.90B
JPM
JPMorgan Chase & Co
$300.00
-0.70%
FINANCIAL SERVICES · Cap: $820.65B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 18615% more annual revenue ($173.56B vs $927.39M). JPM leads profitability with a 33.9% profit margin vs 32.6%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 77/100 (B+).
HCI
Strong Buy77
out of 100
Grade: B+
JPM
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.9%
Growing faster than its price suggests
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
1.7% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 47.9%. Revenue growth of 12.2% demonstrates continued momentum.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.7%. Revenue growth of 12.7% demonstrates continued momentum.
Bear Case : HCI
The primary concerns for HCI are EPS Growth, Market Cap.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Free Cash Flow.
Key Dynamics to Monitor
HCI carries more volatility with a beta of 1.09 — expect wider price swings.
JPM is growing revenue faster at 12.7% — sustainability is the question.
HCI generates stronger free cash flow (149M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HCI scores higher overall (77/100 vs 73/100), backed by strong 32.6% margins and 12.2% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
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