$199.96

-3.14 (-1.55%)

Weekly Expected Move ±3.5%

$190 $197 $204 $211 $218

NYSE · Financial Services · Insurance - Property & Casualty · Tech Score Strong Buy · Power 71 · $2.5B mcap · 11M float · 1.62% daily turnover · Short 67% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$901M +20.2% ▲

5Y CAGR: +26.7%

Gross Profit

$659M +139.4% ▲

5Y CAGR: +60.5%

Operating Income

$429M +147.6% ▲

5Y CAGR: +63.3%

Net Income

$299M +171.9% ▲

5Y CAGR: +61.1%

EPS (Diluted)

$24.87 +179.8% ▲

5Y CAGR: +48.1%

EBITDA

$450M +135.4% ▲

5Y CAGR: +51.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$403M	$492M	$550M	$749M	$901M
YoY Growth	+46.0%	+22.2%	+11.8%	+36.3%	+20.2%
Cost of Revenue	$321M	$476M	$345M	$474M	$242M
Gross Profit	$81M	$16M	$205M	$275M	$659M
Gross Margin	20.2%	3.2%	37.2%	36.7%	73.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$45M	$57M	$54M	$63M	$72M
Operating Expenses	$70M	$84M	$87M	$102M	$230M
Operating Income	$11M	-$68M	$118M	$173M	$429M
Operating Margin	2.8%	-13.9%	21.4%	23.1%	47.7%
Interest Expense	$6M	$8M	$11M	$13M	$9M
Income Before Tax	$11M	-$68M	$118M	$173M	$429M
Tax Expense	$4M	-$14M	$28M	$46M	$109M
Net Income	$2M	-$59M	$79M	$110M	$299M
Net Margin	0.5%	-11.9%	14.4%	14.7%	33.2%
EPS (Diluted)	$0.21	$-6.24	$7.62	$8.89	$24.87
EBITDA	$23M	-$53M	$137M	$191M	$450M
Shares Outstanding	9M	9M	11M	13M	13M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$175M	$161M	$217M	$222M	$216M	$246M	$243M	$247M
Cost of Revenue	$132M	$138M	$87M	$95M	$98M	$52M	$66M	$71M
Gross Profit	$43M	$23M	$130M	$127M	$119M	$194M	$177M	$176M
Gross Margin	24.8%	14.3%	60.1%	57.2%	54.8%	78.9%	73.0%	71.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$19M	$10M	$20M	$20M	$21M	$11M	$22M	$24M
Operating Expenses	$29M	$17M	$30M	$33M	$28M	$50M	$62M	$65M
Operating Income	$14M	$6M	$100M	$94M	$91M	$144M	$115M	$111M
Operating Margin	8.0%	3.6%	46.2%	42.5%	41.9%	58.5%	47.5%	45.0%
Interest Expense	$3M	$3M	$3M	$4M	$1M	$1M	$923K	$1M
Income Before Tax	$14M	$6M	$100M	$94M	$91M	$144M	$115M	$111M
Tax Expense	$5M	$2M	$26M	$24M	$23M	$36M	$30M	$28M
Net Income	$6M	$3M	$70M	$66M	$66M	$98M	$73M	$74M
Net Margin	3.2%	1.6%	32.1%	29.8%	30.3%	39.7%	30.2%	29.9%
EPS (Diluted)	$0.52	$0.20	$5.35	$5.18	$4.90	$8.38	$5.45	$5.60
EBITDA	$20M	$11M	$106M	$103M	$94M	$147M	$119M	$114M
Shares Outstanding	11M	13M	13M	13M	13M	13M	13M	13M

HCI NYSE