Skyward Specialty Insurance Group (NASDAQ:SKWD – Get Free Report) and HCI Group (NYSE:HCI – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, valuation, profitability, earnings, analyst recommendations, institutional ownership and dividends.
Valuation and Earnings
This table compares Skyward Specialty Insurance Group and HCI Group’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Skyward Specialty Insurance Group | $758.14 million | 1.21 | $39.40 million | N/A | N/A |
| HCI Group | $499.84 million | 0.91 | -$58.51 million | ($2.66) | -19.84 |
Skyward Specialty Insurance Group has higher revenue and earnings than HCI Group.
Analyst Ratings
This is a breakdown of current recommendations for Skyward Specialty Insurance Group and HCI Group, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Skyward Specialty Insurance Group | 0 | 1 | 5 | 1 | 3.00 |
| HCI Group | 0 | 1 | 3 | 0 | 2.75 |
Skyward Specialty Insurance Group presently has a consensus target price of $28.43, indicating a potential upside of 17.09%. HCI Group has a consensus target price of $81.00, indicating a potential upside of 53.50%. Given HCI Group’s higher probable upside, analysts plainly believe HCI Group is more favorable than Skyward Specialty Insurance Group.
Institutional and Insider Ownership
41.3% of Skyward Specialty Insurance Group shares are held by institutional investors. Comparatively, 65.8% of HCI Group shares are held by institutional investors. 9.5% of Skyward Specialty Insurance Group shares are held by company insiders. Comparatively, 25.3% of HCI Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Profitability
This table compares Skyward Specialty Insurance Group and HCI Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Skyward Specialty Insurance Group | N/A | N/A | N/A |
| HCI Group | -4.30% | -10.06% | -0.95% |
Summary
Skyward Specialty Insurance Group beats HCI Group on 9 of the 12 factors compared between the two stocks.
About Skyward Specialty Insurance Group
(Get Free Report)
Skyward Specialty Insurance Group, Inc., an insurance holding company, underwrites commercial property and casualty insurance products in the United States. It offers general liability, excess liability, professional liability, commercial auto, group accident and health, property, surety, and workers’ compensation insurance products. The company was incorporated in 2006 and is headquartered in Houston, Texas.
About HCI Group
(Get Free Report)
HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance, reinsurance, real estate, and information technology businesses in Florida. It provides residential insurance products, such as homeowners, fire, flood, and wind-only insurance to homeowners, condominium owners, and tenants for properties, as well as offers reinsurance programs. The company also owns and operates waterfront properties and retail shopping centers, and an office building, as well as commercial properties for investment purposes. In addition, it designs and develops web-based applications and products for mobile devices, 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.
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