HCI Group vs Lemonade
HCI Group reported revenue of $901 million in fiscal 2025, 1.2 times Lemonade's $738 million in fiscal 2025. HCI Group's revenue grew 20.1% in its latest year, and Lemonade's grew 40.1%. Free cash flow was $441 million at HCI Group and −$26 million at Lemonade.
Side by side
| HCI Group | Lemonade | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $901M | $738M |
| Revenue growth | 20.1% | 40.1% |
| Revenue growth a year, last 5 years | 23.8% | 50.9% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 33.2% | −22.4% |
| Free cash flow | $441M | −$26M |
| Free cash flow margin | 48.9% | −3.5% |
| Return on capital | — | — |
| Net debt to EBITDA | −2.6x | — |
| Dividends and buybacks | $21M | $0M |
| Change in diluted share count | 1.5% | 4.1% |
| Last close | $186.03 | $39.55 |
| P/E at the last close | 7.5× | — |
| Insider trades, last 12 months | — | sold $37.7 million |
| Piotroski F-score | — | — |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
HCI GroupLemonade
Operating margin
Percent of revenue
HCI GroupLemonade
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
HCI GroupLemonade
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the HCI Group and Lemonade pages.