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Side-by-side financial comparison of HCI Group, Inc. (HCI) and Loar Holdings Inc. (LOAR). Click either name above to swap in a different company.
HCI Group, Inc. is the larger business by last-quarter revenue ($246.2M vs $131.8M, roughly 1.9× Loar Holdings Inc.). HCI Group, Inc. runs the higher net margin — 39.7% vs 9.5%, a 30.2% gap on every dollar of revenue. On growth, HCI Group, Inc. posted the faster year-over-year revenue change (52.1% vs 19.3%). Over the past eight quarters, Loar Holdings Inc.'s revenue compounded faster (19.8% CAGR vs 9.2%).
HCI Equity Partners is a Washington, DC–based private equity firm with an additional office in Chicago, Illinois.
HCI vs LOAR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $246.2M | $131.8M |
| Net Profit | $97.7M | $12.5M |
| Gross Margin | — | 52.1% |
| Operating Margin | 58.5% | 18.0% |
| Net Margin | 39.7% | 9.5% |
| Revenue YoY | 52.1% | 19.3% |
| Net Profit YoY | 3679.2% | 239.5% |
| EPS (diluted) | $7.29 | $0.13 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $246.2M | $131.8M | ||
| Q3 25 | $216.3M | $126.8M | ||
| Q2 25 | $221.9M | $123.1M | ||
| Q1 25 | $216.4M | $114.7M | ||
| Q4 24 | $161.9M | $110.4M | ||
| Q3 24 | $175.3M | $103.5M | ||
| Q2 24 | $206.2M | $97.0M | ||
| Q1 24 | $206.6M | $91.8M |
| Q4 25 | $97.7M | $12.5M | ||
| Q3 25 | $65.5M | $27.6M | ||
| Q2 25 | $66.2M | $16.7M | ||
| Q1 25 | $69.7M | $15.3M | ||
| Q4 24 | $2.6M | $3.7M | ||
| Q3 24 | $5.7M | $8.7M | ||
| Q2 24 | $54.1M | $7.6M | ||
| Q1 24 | $47.6M | $2.2M |
| Q4 25 | — | 52.1% | ||
| Q3 25 | — | 52.7% | ||
| Q2 25 | — | 53.8% | ||
| Q1 25 | — | 52.1% | ||
| Q4 24 | — | 48.9% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 49.0% | ||
| Q1 24 | — | 48.4% |
| Q4 25 | 58.5% | 18.0% | ||
| Q3 25 | 41.9% | 22.9% | ||
| Q2 25 | 42.5% | 22.2% | ||
| Q1 25 | 46.4% | 22.8% | ||
| Q4 24 | 3.6% | 19.2% | ||
| Q3 24 | 8.0% | 22.1% | ||
| Q2 24 | 36.9% | 22.9% | ||
| Q1 24 | 37.5% | 23.3% |
| Q4 25 | 39.7% | 9.5% | ||
| Q3 25 | 30.3% | 21.8% | ||
| Q2 25 | 29.8% | 13.6% | ||
| Q1 25 | 32.2% | 13.4% | ||
| Q4 24 | 1.6% | 3.3% | ||
| Q3 24 | 3.2% | 8.4% | ||
| Q2 24 | 26.2% | 7.9% | ||
| Q1 24 | 23.0% | 2.4% |
| Q4 25 | $7.29 | $0.13 | ||
| Q3 25 | $4.90 | $0.29 | ||
| Q2 25 | $5.18 | $0.17 | ||
| Q1 25 | $5.35 | $0.16 | ||
| Q4 24 | $0.32 | $-11023.48 | ||
| Q3 24 | $0.52 | $0.09 | ||
| Q2 24 | $4.24 | $0.09 | ||
| Q1 24 | $3.81 | $11023.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.2B | $84.8M |
| Total DebtLower is stronger | — | $715.7M |
| Stockholders' EquityBook value | $1.0B | $1.2B |
| Total Assets | $2.5B | $2.0B |
| Debt / EquityLower = less leverage | — | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.2B | $84.8M | ||
| Q3 25 | $987.9M | $99.0M | ||
| Q2 25 | $947.2M | $103.3M | ||
| Q1 25 | $754.5M | $80.5M | ||
| Q4 24 | $532.5M | $54.1M | ||
| Q3 24 | $518.8M | $55.2M | ||
| Q2 24 | $445.8M | $73.2M | ||
| Q1 24 | $655.4M | $28.2M |
| Q4 25 | — | $715.7M | ||
| Q3 25 | — | $279.4M | ||
| Q2 25 | — | $277.7M | ||
| Q1 25 | — | $277.5M | ||
| Q4 24 | — | $277.3M | ||
| Q3 24 | — | $602.1M | ||
| Q2 24 | — | $250.7M | ||
| Q1 24 | — | $534.2M |
| Q4 25 | $1.0B | $1.2B | ||
| Q3 25 | $821.8M | $1.2B | ||
| Q2 25 | $758.6M | $1.1B | ||
| Q1 25 | $522.7M | $1.1B | ||
| Q4 24 | $453.3M | $1.1B | ||
| Q3 24 | $455.3M | $769.8M | ||
| Q2 24 | $447.3M | $758.4M | ||
| Q1 24 | $395.7M | $420.6M |
| Q4 25 | $2.5B | $2.0B | ||
| Q3 25 | $2.3B | $1.5B | ||
| Q2 25 | $2.4B | $1.5B | ||
| Q1 25 | $2.3B | $1.5B | ||
| Q4 24 | $2.2B | $1.5B | ||
| Q3 24 | $2.0B | $1.5B | ||
| Q2 24 | $1.9B | $1.1B | ||
| Q1 24 | $1.8B | $1.1B |
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.24× | ||
| Q2 25 | — | 0.25× | ||
| Q1 25 | — | 0.25× | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | 0.78× | ||
| Q2 24 | — | 0.33× | ||
| Q1 24 | — | 1.27× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $444.4M | $30.4M |
| Free Cash FlowOCF − Capex | $440.8M | — |
| FCF MarginFCF / Revenue | 179.0% | — |
| Capex IntensityCapex / Revenue | 1.5% | — |
| Cash ConversionOCF / Net Profit | 4.55× | 2.43× |
| TTM Free Cash FlowTrailing 4 quarters | $771.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $444.4M | $30.4M | ||
| Q3 25 | $26.7M | $29.7M | ||
| Q2 25 | $145.0M | $23.8M | ||
| Q1 25 | $162.0M | $28.4M | ||
| Q4 24 | $331.8M | $20.7M | ||
| Q3 24 | $104.1M | $16.3M | ||
| Q2 24 | $-29.0M | $7.1M | ||
| Q1 24 | $182.0M | $10.8M |
| Q4 25 | $440.8M | — | ||
| Q3 25 | $25.9M | — | ||
| Q2 25 | $144.5M | — | ||
| Q1 25 | $160.3M | — | ||
| Q4 24 | $327.8M | — | ||
| Q3 24 | $103.2M | — | ||
| Q2 24 | $-30.1M | — | ||
| Q1 24 | $181.0M | — |
| Q4 25 | 179.0% | — | ||
| Q3 25 | 12.0% | — | ||
| Q2 25 | 65.1% | — | ||
| Q1 25 | 74.1% | — | ||
| Q4 24 | 202.5% | — | ||
| Q3 24 | 58.9% | — | ||
| Q2 24 | -14.6% | — | ||
| Q1 24 | 87.6% | — |
| Q4 25 | 1.5% | — | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 2.5% | — | ||
| Q3 24 | 0.5% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 0.5% | — |
| Q4 25 | 4.55× | 2.43× | ||
| Q3 25 | 0.41× | 1.08× | ||
| Q2 25 | 2.19× | 1.42× | ||
| Q1 25 | 2.32× | 1.85× | ||
| Q4 24 | 128.41× | 5.62× | ||
| Q3 24 | 18.33× | 1.89× | ||
| Q2 24 | -0.54× | 0.93× | ||
| Q1 24 | 3.82× | 4.81× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HCI
| Insurance Operation | $218.3M | 89% |
| Reciprocal Exchange Operation | $27.0M | 11% |
LOAR
| Other | $76.8M | 58% |
| Commercial Aerospace | $21.2M | 16% |
| Business Jet And General Aviation | $17.6M | 13% |
| Defense | $16.2M | 12% |
