HCI Group Inc (HCI)vsThe Travelers Companies Inc (TRV)
HCI
HCI Group Inc
$153.85
-0.76%
FINANCIAL SERVICES · Cap: $2.00B
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 5320% more annual revenue ($48.83B vs $900.95M). HCI leads profitability with a 33.2% profit margin vs 12.9%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 79/100 (B+).
HCI
Strong Buy79
out of 100
Grade: B+
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+84.5%
Fair Value
$1063.30
Current Price
$153.85
$909.45 discount
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Keeps 33 of every $100 in revenue as profit
Revenue surging 48.0% year-over-year
Earnings expanding 1612.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
Smaller company, higher risk/reward
Operating margin of -3.6%
Expensive relative to growth rate
3.5% revenue growth
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 33.2% and operating margin at -3.6%. Revenue growth of 48.0% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : HCI
The primary concerns for HCI are Market Cap, Operating Margin.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
HCI profiles as a growth stock while TRV is a value play — different risk/reward profiles.
HCI carries more volatility with a beta of 1.11 — expect wider price swings.
HCI is growing revenue faster at 48.0% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HCI scores higher overall (79/100 vs 71/100), backed by strong 33.2% margins and 48.0% revenue growth. TRV offers better value entry with a 75.4% margin of safety. 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.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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