HCI Group vs Lemonade
HCI Group is the larger business, with $901m of revenue in fiscal 2025 against $738m for Lemonade (1.2 times as much). Lemonade grew faster (40.2% against 20.1%). HCI Group kept more of each dollar of sales as profit: a net margin of 33.2% against -22.4%. Lemonade carries less debt relative to equity (0.0% against 3.1%).
| Latest fiscal year | HCI GroupHCI, 2025 | LemonadeLMND, 2025 |
|---|---|---|
| Revenue | $901m | $738m |
| Revenue growth | 20.1% | 40.2% |
| Net income | $299m | −$166m |
| Operating margin | — | — |
| Net margin | 33.2% | -22.4% |
| Return on equity | 40.0% | -29.4% |
| Free cash flow | $441m | −$25.9m |
| Cash | $1.21bn | $385m |
| Total debt | $32.4m | $0 |
| Debt to equity | 3.1% | 0.0% |
| Dividend per share | $1.60 | — |
| Dividend yield | 0.8% | — |
| Share buybacks | $1.5m | — |
| Employees | 594 | 1,282 |
| Market value | $2.52bn | $3.19bn |
| Price vs our value range | — | — |
| Moat score | 51 (Moderate) | — |
| Insider trades, 12 months | 0 buys, 0 sales | 2 buys, 37 sales |