Assured Guaranty vs HCI Group
Assured Guaranty is the larger business, with $1.11bn of revenue in fiscal 2025 against $901m for HCI Group (1.2 times as much). Assured Guaranty grew faster (27.3% against 20.1%). Assured Guaranty kept more of each dollar of sales as profit: a net margin of 45.3% against 33.2%. HCI Group carries less debt relative to equity (3.1% against 30.8%).
| Latest fiscal year | Assured GuarantyAGO, 2025 | HCI GroupHCI, 2025 |
|---|---|---|
| Revenue | $1.11bn | $901m |
| Revenue growth | 27.3% | 20.1% |
| Net income | $503m | $299m |
| Operating margin | — | — |
| Net margin | 45.3% | 33.2% |
| Return on equity | 9.0% | 40.0% |
| Free cash flow | — | $441m |
| Cash | $419m | $1.21bn |
| Total debt | $1.75bn | $32.4m |
| Debt to equity | 30.8% | 3.1% |
| Dividend per share | $1.36 | $1.60 |
| Dividend yield | — | 0.8% |
| Share buybacks | $500m | $1.5m |
| Employees | 367 | 594 |
| Market value | $3.14bn | $2.52bn |
| Price vs our value range | — | — |
| Moat score | 87 (Strong) | 51 (Moderate) |
| Insider trades, 12 months | 2 buys, 14 sales | 0 buys, 0 sales |