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Side-by-side financial comparison of HCI Group, Inc. (HCI) and PAMT CORP (PAMT). Click either name above to swap in a different company.
HCI Group, Inc. is the larger business by last-quarter revenue ($246.2M vs $141.3M, roughly 1.7× PAMT CORP). HCI Group, Inc. runs the higher net margin — 39.7% vs -20.7%, a 60.4% gap on every dollar of revenue. On growth, HCI Group, Inc. posted the faster year-over-year revenue change (52.1% vs -15.1%). HCI Group, Inc. produced more free cash flow last quarter ($440.8M vs $-25.0M). Over the past eight quarters, HCI Group, Inc.'s revenue compounded faster (9.2% CAGR vs -12.0%).
HCI Equity Partners is a Washington, DC–based private equity firm with an additional office in Chicago, Illinois.
HCI vs PAMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $246.2M | $141.3M |
| Net Profit | $97.7M | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | 58.5% | -27.0% |
| Net Margin | 39.7% | -20.7% |
| Revenue YoY | 52.1% | -15.1% |
| Net Profit YoY | 3679.2% | 7.4% |
| EPS (diluted) | $7.29 | $-1.38 |
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 | $141.3M | ||
| Q3 25 | $216.3M | $150.3M | ||
| Q2 25 | $221.9M | $151.1M | ||
| Q1 25 | $216.4M | $155.3M | ||
| Q4 24 | $161.9M | $166.5M | ||
| Q3 24 | $175.3M | $182.6M | ||
| Q2 24 | $206.2M | $182.9M | ||
| Q1 24 | $206.6M | $182.6M |
| Q4 25 | $97.7M | $-29.3M | ||
| Q3 25 | $65.5M | $-5.6M | ||
| Q2 25 | $66.2M | $-9.6M | ||
| Q1 25 | $69.7M | $-8.1M | ||
| Q4 24 | $2.6M | $-31.6M | ||
| Q3 24 | $5.7M | $2.4M | ||
| Q2 24 | $54.1M | $-2.9M | ||
| Q1 24 | $47.6M | $281.0K |
| Q4 25 | 58.5% | -27.0% | ||
| Q3 25 | 41.9% | -3.8% | ||
| Q2 25 | 42.5% | -7.3% | ||
| Q1 25 | 46.4% | -5.9% | ||
| Q4 24 | 3.6% | -22.6% | ||
| Q3 24 | 8.0% | 1.3% | ||
| Q2 24 | 36.9% | -0.4% | ||
| Q1 24 | 37.5% | -0.4% |
| Q4 25 | 39.7% | -20.7% | ||
| Q3 25 | 30.3% | -3.7% | ||
| Q2 25 | 29.8% | -6.4% | ||
| Q1 25 | 32.2% | -5.2% | ||
| Q4 24 | 1.6% | -19.0% | ||
| Q3 24 | 3.2% | 1.3% | ||
| Q2 24 | 26.2% | -1.6% | ||
| Q1 24 | 23.0% | 0.2% |
| Q4 25 | $7.29 | $-1.38 | ||
| Q3 25 | $4.90 | $-0.27 | ||
| Q2 25 | $5.18 | $-0.46 | ||
| Q1 25 | $5.35 | $-0.37 | ||
| Q4 24 | $0.32 | $-1.44 | ||
| Q3 24 | $0.52 | $0.11 | ||
| Q2 24 | $4.24 | $-0.13 | ||
| Q1 24 | $3.81 | $0.01 |
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 | $83.7M |
| Total DebtLower is stronger | — | $333.9M |
| Stockholders' EquityBook value | $1.0B | $210.5M |
| Total Assets | $2.5B | $697.9M |
| Debt / EquityLower = less leverage | — | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.2B | $83.7M | ||
| Q3 25 | $987.9M | $115.6M | ||
| Q2 25 | $947.2M | $117.3M | ||
| Q1 25 | $754.5M | $102.7M | ||
| Q4 24 | $532.5M | $110.7M | ||
| Q3 24 | $518.8M | $92.3M | ||
| Q2 24 | $445.8M | $114.0M | ||
| Q1 24 | $655.4M | $125.8M |
| Q4 25 | — | $333.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.0B | $210.5M | ||
| Q3 25 | $821.8M | $239.5M | ||
| Q2 25 | $758.6M | $244.9M | ||
| Q1 25 | $522.7M | $269.6M | ||
| Q4 24 | $453.3M | $277.5M | ||
| Q3 24 | $455.3M | $308.9M | ||
| Q2 24 | $447.3M | $306.7M | ||
| Q1 24 | $395.7M | $314.6M |
| Q4 25 | $2.5B | $697.9M | ||
| Q3 25 | $2.3B | $715.2M | ||
| Q2 25 | $2.4B | $707.9M | ||
| Q1 25 | $2.3B | $712.6M | ||
| Q4 24 | $2.2B | $741.7M | ||
| Q3 24 | $2.0B | $756.7M | ||
| Q2 24 | $1.9B | $733.5M | ||
| Q1 24 | $1.8B | $746.4M |
| Q4 25 | — | 1.59× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.17× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-5.8M |
| Free Cash FlowOCF − Capex | $440.8M | $-25.0M |
| FCF MarginFCF / Revenue | 179.0% | -17.7% |
| Capex IntensityCapex / Revenue | 1.5% | 13.6% |
| Cash ConversionOCF / Net Profit | 4.55× | — |
| TTM Free Cash FlowTrailing 4 quarters | $771.4M | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $444.4M | $-5.8M | ||
| Q3 25 | $26.7M | $5.9M | ||
| Q2 25 | $145.0M | $12.2M | ||
| Q1 25 | $162.0M | $5.0M | ||
| Q4 24 | $331.8M | $15.2M | ||
| Q3 24 | $104.1M | $15.5M | ||
| Q2 24 | $-29.0M | $18.7M | ||
| Q1 24 | $182.0M | $9.6M |
| Q4 25 | $440.8M | $-25.0M | ||
| Q3 25 | $25.9M | $2.5M | ||
| Q2 25 | $144.5M | $5.9M | ||
| Q1 25 | $160.3M | $-6.8M | ||
| Q4 24 | $327.8M | $-39.9M | ||
| Q3 24 | $103.2M | $-33.6M | ||
| Q2 24 | $-30.1M | $4.1M | ||
| Q1 24 | $181.0M | $-12.2M |
| Q4 25 | 179.0% | -17.7% | ||
| Q3 25 | 12.0% | 1.7% | ||
| Q2 25 | 65.1% | 3.9% | ||
| Q1 25 | 74.1% | -4.4% | ||
| Q4 24 | 202.5% | -24.0% | ||
| Q3 24 | 58.9% | -18.4% | ||
| Q2 24 | -14.6% | 2.2% | ||
| Q1 24 | 87.6% | -6.7% |
| Q4 25 | 1.5% | 13.6% | ||
| Q3 25 | 0.4% | 2.3% | ||
| Q2 25 | 0.2% | 4.2% | ||
| Q1 25 | 0.8% | 7.6% | ||
| Q4 24 | 2.5% | 33.1% | ||
| Q3 24 | 0.5% | 26.9% | ||
| Q2 24 | 0.5% | 8.0% | ||
| Q1 24 | 0.5% | 12.0% |
| Q4 25 | 4.55× | — | ||
| Q3 25 | 0.41× | — | ||
| Q2 25 | 2.19× | — | ||
| Q1 25 | 2.32× | — | ||
| Q4 24 | 128.41× | — | ||
| Q3 24 | 18.33× | 6.44× | ||
| Q2 24 | -0.54× | — | ||
| Q1 24 | 3.82× | 34.11× |
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% |
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
