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Side-by-side financial comparison of HCI Group, Inc. (HCI) and Lovesac Co (LOVE). Click either name above to swap in a different company.
HCI Group, Inc. is the larger business by last-quarter revenue ($246.2M vs $150.2M, roughly 1.6× Lovesac Co). HCI Group, Inc. runs the higher net margin — 39.7% vs -7.0%, a 46.7% gap on every dollar of revenue. On growth, HCI Group, Inc. posted the faster year-over-year revenue change (52.1% vs 0.2%). HCI Group, Inc. produced more free cash flow last quarter ($440.8M vs $-10.2M). Over the past eight quarters, HCI Group, Inc.'s revenue compounded faster (9.2% CAGR vs -22.6%).
HCI Equity Partners is a Washington, DC–based private equity firm with an additional office in Chicago, Illinois.
The Lovesac Company is an American furniture retailer, specializing in a patented modular furniture system called Sactionals. Sactionals consist of two combinable pieces, “Seats” and “Sides,” as well as custom-fit covers and associated accessories. Lovesac also sells Sacs, a bag seat filled with a proprietary foam mixture.
HCI vs LOVE — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $246.2M | $150.2M |
| Net Profit | $97.7M | $-10.6M |
| Gross Margin | — | 56.1% |
| Operating Margin | 58.5% | -10.5% |
| Net Margin | 39.7% | -7.0% |
| Revenue YoY | 52.1% | 0.2% |
| Net Profit YoY | 3679.2% | -114.0% |
| EPS (diluted) | $7.29 | $-0.72 |
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 | $150.2M | ||
| Q3 25 | $216.3M | $160.5M | ||
| Q2 25 | $221.9M | $138.4M | ||
| Q1 25 | $216.4M | $241.5M | ||
| Q4 24 | $161.9M | $149.9M | ||
| Q3 24 | $175.3M | $156.6M | ||
| Q2 24 | $206.2M | $132.6M | ||
| Q1 24 | $206.6M | $250.5M |
| Q4 25 | $97.7M | $-10.6M | ||
| Q3 25 | $65.5M | $-6.7M | ||
| Q2 25 | $66.2M | $-10.8M | ||
| Q1 25 | $69.7M | $35.3M | ||
| Q4 24 | $2.6M | $-4.9M | ||
| Q3 24 | $5.7M | $-5.9M | ||
| Q2 24 | $54.1M | $-13.0M | ||
| Q1 24 | $47.6M | $31.0M |
| Q4 25 | — | 56.1% | ||
| Q3 25 | — | 56.4% | ||
| Q2 25 | — | 53.7% | ||
| Q1 25 | — | 60.4% | ||
| Q4 24 | — | 58.5% | ||
| Q3 24 | — | 59.0% | ||
| Q2 24 | — | 54.3% | ||
| Q1 24 | — | 59.7% |
| Q4 25 | 58.5% | -10.5% | ||
| Q3 25 | 41.9% | -5.5% | ||
| Q2 25 | 42.5% | -10.8% | ||
| Q1 25 | 46.4% | 19.7% | ||
| Q4 24 | 3.6% | -5.2% | ||
| Q3 24 | 8.0% | -5.3% | ||
| Q2 24 | 36.9% | -13.5% | ||
| Q1 24 | 37.5% | 16.1% |
| Q4 25 | 39.7% | -7.0% | ||
| Q3 25 | 30.3% | -4.1% | ||
| Q2 25 | 29.8% | -7.8% | ||
| Q1 25 | 32.2% | 14.6% | ||
| Q4 24 | 1.6% | -3.3% | ||
| Q3 24 | 3.2% | -3.7% | ||
| Q2 24 | 26.2% | -9.8% | ||
| Q1 24 | 23.0% | 12.4% |
| Q4 25 | $7.29 | $-0.72 | ||
| Q3 25 | $4.90 | $-0.45 | ||
| Q2 25 | $5.18 | $-0.73 | ||
| Q1 25 | $5.35 | $2.22 | ||
| Q4 24 | $0.32 | $-0.32 | ||
| Q3 24 | $0.52 | $-0.38 | ||
| Q2 24 | $4.24 | $-0.83 | ||
| Q1 24 | $3.81 | $1.91 |
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 | $23.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.0B | $189.3M |
| Total Assets | $2.5B | $495.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.2B | $23.7M | ||
| Q3 25 | $987.9M | $34.2M | ||
| Q2 25 | $947.2M | $26.9M | ||
| Q1 25 | $754.5M | $83.7M | ||
| Q4 24 | $532.5M | $61.7M | ||
| Q3 24 | $518.8M | $72.1M | ||
| Q2 24 | $445.8M | $72.4M | ||
| Q1 24 | $655.4M | $87.0M |
| Q4 25 | $1.0B | $189.3M | ||
| Q3 25 | $821.8M | $197.5M | ||
| Q2 25 | $758.6M | $201.2M | ||
| Q1 25 | $522.7M | $216.4M | ||
| Q4 24 | $453.3M | $196.5M | ||
| Q3 24 | $455.3M | $202.1M | ||
| Q2 24 | $447.3M | $205.3M | ||
| Q1 24 | $395.7M | $217.5M |
| Q4 25 | $2.5B | $495.5M | ||
| Q3 25 | $2.3B | $493.7M | ||
| Q2 25 | $2.4B | $483.7M | ||
| Q1 25 | $2.3B | $532.3M | ||
| Q4 24 | $2.2B | $499.7M | ||
| Q3 24 | $2.0B | $481.1M | ||
| Q2 24 | $1.9B | $477.2M | ||
| Q1 24 | $1.8B | $482.2M |
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 | $-4.9M |
| Free Cash FlowOCF − Capex | $440.8M | $-10.2M |
| FCF MarginFCF / Revenue | 179.0% | -6.8% |
| Capex IntensityCapex / Revenue | 1.5% | 3.5% |
| Cash ConversionOCF / Net Profit | 4.55× | — |
| TTM Free Cash FlowTrailing 4 quarters | $771.4M | $-13.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $444.4M | $-4.9M | ||
| Q3 25 | $26.7M | $12.2M | ||
| Q2 25 | $145.0M | $-41.4M | ||
| Q1 25 | $162.0M | $44.0M | ||
| Q4 24 | $331.8M | $-4.2M | ||
| Q3 24 | $104.1M | $6.2M | ||
| Q2 24 | $-29.0M | $-7.0M | ||
| Q1 24 | $182.0M | $56.3M |
| Q4 25 | $440.8M | $-10.2M | ||
| Q3 25 | $25.9M | $7.8M | ||
| Q2 25 | $144.5M | $-50.0M | ||
| Q1 25 | $160.3M | $38.7M | ||
| Q4 24 | $327.8M | $-6.6M | ||
| Q3 24 | $103.2M | $119.0K | ||
| Q2 24 | $-30.1M | $-14.3M | ||
| Q1 24 | $181.0M | $49.5M |
| Q4 25 | 179.0% | -6.8% | ||
| Q3 25 | 12.0% | 4.9% | ||
| Q2 25 | 65.1% | -36.1% | ||
| Q1 25 | 74.1% | 16.0% | ||
| Q4 24 | 202.5% | -4.4% | ||
| Q3 24 | 58.9% | 0.1% | ||
| Q2 24 | -14.6% | -10.8% | ||
| Q1 24 | 87.6% | 19.8% |
| Q4 25 | 1.5% | 3.5% | ||
| Q3 25 | 0.4% | 2.7% | ||
| Q2 25 | 0.2% | 6.2% | ||
| Q1 25 | 0.8% | 2.2% | ||
| Q4 24 | 2.5% | 1.6% | ||
| Q3 24 | 0.5% | 3.9% | ||
| Q2 24 | 0.5% | 5.5% | ||
| Q1 24 | 0.5% | 2.7% |
| Q4 25 | 4.55× | — | ||
| Q3 25 | 0.41× | — | ||
| Q2 25 | 2.19× | — | ||
| Q1 25 | 2.32× | 1.25× | ||
| Q4 24 | 128.41× | — | ||
| Q3 24 | 18.33× | — | ||
| Q2 24 | -0.54× | — | ||
| Q1 24 | 3.82× | 1.82× |
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% |
LOVE
| Showrooms | $102.7M | 68% |
| Internet | $37.3M | 25% |
| Other | $10.2M | 7% |
