文章核心观点 - 物业和意外险(P&C)保险行业将受益于更好的定价、谨慎的承保、曝光度提高、利率环境改善和雄厚的资本实力 [1][3] - 行业在过去一年内提供了24.2%的回报,今年迄今为止的回报率为15.6% [2] - 预计到2030年,毛保费将增长6倍至7220亿美元 [3] - 预计2024年综合成本率为98.5%,其中自然灾害损失将贡献680个基点 [5] - 行业正在大量投资技术以提高基准点、规模和效率 [6] - 行业整合将继续,预计2024年再保险领域将出现更多并购 [7] - 利率大幅上升将提高保险公司的利润空间 [8][9] 行业概况 - 行业目前在扎克斯行业排名前11%,过去一年内表现优于市场 [2] - 预计未来3-6个月内将继续跑赢市场 [2] - 个人汽车保险有望表现更好 [4] - 预计2024年商业线和个人线将有所改善,投资收益也将提高 [4] - 预计今年将出现更活跃的飓风季节 [4] 公司分析 HCI Group Inc. (HCI) [11][12][13] - 主要从事财产和意外险、保险管理、再保险、房地产和信息技术业务 - 预计2024年收入和利润增长率分别为40.9%和57.6% - 过去60天内,2024年盈利预测已上调13.1% Palomar Holdings Inc. (PLMR) [14][15][16] - 专注于新业务开拓、保持高保费续保率,并通过产品组合、地域扩张和费率上调来推动增长 - 预计2024年投资收益将增长,调整后净利润将达1.13-1.18亿美元 - 预计2024年收入和利润增长率分别为34.2%和26% RLI Corp. (RLI) [17][18][19] - 是行业内最赢利的财产和意外险承保商之一,拥有出色的承保纪录 - 通过专注于特种险种和精简低效产品来维持优秀的综合成本率 - 预计2024年收入和利润增长率分别为15.6%和18.4% ProAssurance Corp. (PRA) [20][21][22] - 新业务增长推动了工伤保险和特种财产险业务的发展 - 成本控制措施有望提升利润率,预计2024年总费用将同比下降8% - 预计2024年收入和利润增长率分别为1.4%和超过100% Root Inc. (ROOT) [23][24] - 主要提供汽车、家庭和租户保险产品,采用直销模式 - 预计2024年收入和利润增长率分别超过100%和53%

The latest trading session saw HCI Group (HCI) ending at $91.54, denoting a +1.35% adjustment from its last day's close. The stock outperformed the S&P 500, which registered a daily gain of 0.16%. Elsewhere, the Dow gained 0.04%, while the tech-heavy Nasdaq added 0.49%. The property and casualty insurance holding company's shares have seen a decrease of 9.03% over the last month, not keeping up with the Finance sector's loss of 0.22% and the S&P 500's gain of 3.22%. The investment community will be paying c ...

HCI Group (HCI) ended the recent trading session at $92.11, demonstrating a -0.46% swing from the preceding day's closing price. This change lagged the S&P 500's 0.25% loss on the day. Elsewhere, the Dow saw an upswing of 0.77%, while the tech-heavy Nasdaq depreciated by 0.79%. Prior to today's trading, shares of the property and casualty insurance holding company had lost 6.99% over the past month. This has lagged the Finance sector's loss of 1.89% and the S&P 500's gain of 3.59% in that time. The investme ...

Investors interested in Finance stocks should always be looking to find the best-performing companies in the group. Has HCI Group (HCI) been one of those stocks this year? By taking a look at the stock's year-to-date performance in comparison to its Finance peers, we might be able to answer that question. HCI Group is a member of the Finance sector. This group includes 854 individual stocks and currently holds a Zacks Sector Rank of #12. The Zacks Sector Rank includes 16 different groups and is listed in or ...

Better pricing, prudent underwriting and exposure growth have helped the insurance industry perform well. Redesigning and repricing of products and services to maintain sales and profitability, increased automation, prudent underwriting standards, and an improving rate environment are expected to drive premium growth and boost the industry’s efficiency. The insurance industry has outperformed the Zacks S&P 500 composite and the Finance sector in the past year. The insurance industry has rallied 21.4% in the ...

The Zacks Property and Casualty Insurance industry is currently undervalued compared with the Zacks S&P 500 composite and the Zacks Finance sector. The price-to-book (P/B) ratio, the best multiple for valuing insurers because of their unpredictable financial results, stands at 1.52, below the Zacks S&P 500 composite’s P/B of 6.46 and the sector’s P/B of 3.09. Such a market positioning hints at room for upside in the coming quarters. Before valuation expands, it is wise to add NMI Holdings (NMIH) , HCI Group ...

The Finance group has plenty of great stocks, but investors should always be looking for companies that are outperforming their peers. HCI Group (HCI) is a stock that can certainly grab the attention of many investors, but do its recent returns compare favorably to the sector as a whole? Let's take a closer look at the stock's year- to-date performance to find out. HCI Group is one of 854 individual stocks in the Finance sector. Collectively, these companies sit at #11 in the Zacks Sector Rank. The Zacks Se ...

Colorado State University (CSU) estimates an active hurricane season this year. The latest report published by CSU states that the 2024 hurricane season may have 23 named storms, including 11 hurricanes and five major hurricanes and be about 170% of the average season. The hurricane season typically starts in June and lasts through November, gathering strength in August and September. Thus, property and casualty insurers’ third-quarter results are affected the most. Better pricing, prudent underwriting, inc ...

Investors seek growth stocks to capitalize on above-average growth in financials that help these securities grab the market's attention and produce exceptional returns. But finding a great growth stock is not easy at all. By their very nature, these stocks carry above-average risk and volatility. Moreover, if a company's growth story is over or nearing its end, betting on it could lead to significant loss. However, it's pretty easy to find cutting-edge growth stocks with the help of the Zacks Growth Style S ...

HCI Group (HCI) has been beaten down lately with too much selling pressure. While the stock has lost 8.6% over the past four weeks, there is light at the end of the tunnel as it is now in oversold territory and Wall Street analysts expect the company to report better earnings than they predicted earlier. Here is How to Spot Oversold Stocks We use Relative Strength Index (RSI), one of the most commonly used technical indicators, for spotting whether a stock is oversold. This is a momentum oscillator that mea ...