vs
Side-by-side financial comparison of HCI Group, Inc. (HCI) and STURM RUGER & CO INC (RGR). Click either name above to swap in a different company.
HCI Group, Inc. is the larger business by last-quarter revenue ($246.2M vs $151.1M, roughly 1.6× STURM RUGER & CO INC). On growth, HCI Group, Inc. posted the faster year-over-year revenue change (52.1% vs 3.6%). HCI Group, Inc. produced more free cash flow last quarter ($440.8M vs $12.3M). Over the past eight quarters, HCI Group, Inc.'s revenue compounded faster (9.2% CAGR vs 5.1%).
HCI Equity Partners is a Washington, DC–based private equity firm with an additional office in Chicago, Illinois.
Sturm, Ruger & Company, Inc., better known by the shortened name Ruger, is an American firearm manufacturing company based in Southport, Connecticut, with production facilities also in Newport, New Hampshire; Mayodan, North Carolina; and Prescott, Arizona. The company was founded in 1949 by Alexander McCormick Sturm and William B. Ruger and has been publicly traded since 1969.
HCI vs RGR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $246.2M | $151.1M |
| Net Profit | $97.7M | — |
| Gross Margin | — | 17.8% |
| Operating Margin | 58.5% | 2.3% |
| Net Margin | 39.7% | — |
| Revenue YoY | 52.1% | 3.6% |
| Net Profit YoY | 3679.2% | — |
| EPS (diluted) | $7.29 | $0.22 |
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 | $151.1M | ||
| Q3 25 | $216.3M | $126.8M | ||
| Q2 25 | $221.9M | $132.5M | ||
| Q1 25 | $216.4M | $135.7M | ||
| Q4 24 | $161.9M | $145.8M | ||
| Q3 24 | $175.3M | $122.3M | ||
| Q2 24 | $206.2M | $130.8M | ||
| Q1 24 | $206.6M | $136.8M |
| Q4 25 | $97.7M | — | ||
| Q3 25 | $65.5M | $1.6M | ||
| Q2 25 | $66.2M | $-17.2M | ||
| Q1 25 | $69.7M | $7.8M | ||
| Q4 24 | $2.6M | — | ||
| Q3 24 | $5.7M | $4.7M | ||
| Q2 24 | $54.1M | $8.3M | ||
| Q1 24 | $47.6M | $7.1M |
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
| Q4 25 | 58.5% | 2.3% | ||
| Q3 25 | 41.9% | -2.7% | ||
| Q2 25 | 42.5% | -15.6% | ||
| Q1 25 | 46.4% | 6.2% | ||
| Q4 24 | 3.6% | 7.8% | ||
| Q3 24 | 8.0% | 3.1% | ||
| Q2 24 | 36.9% | 6.9% | ||
| Q1 24 | 37.5% | 5.5% |
| Q4 25 | 39.7% | — | ||
| Q3 25 | 30.3% | 1.2% | ||
| Q2 25 | 29.8% | -13.0% | ||
| Q1 25 | 32.2% | 5.7% | ||
| Q4 24 | 1.6% | — | ||
| Q3 24 | 3.2% | 3.9% | ||
| Q2 24 | 26.2% | 6.3% | ||
| Q1 24 | 23.0% | 5.2% |
| Q4 25 | $7.29 | $0.22 | ||
| Q3 25 | $4.90 | $0.10 | ||
| Q2 25 | $5.18 | $-1.05 | ||
| Q1 25 | $5.35 | $0.46 | ||
| Q4 24 | $0.32 | $0.62 | ||
| Q3 24 | $0.52 | $0.28 | ||
| Q2 24 | $4.24 | $0.47 | ||
| Q1 24 | $3.81 | $0.40 |
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 | $92.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.0B | $283.8M |
| Total Assets | $2.5B | $342.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.2B | $92.5M | ||
| Q3 25 | $987.9M | $80.8M | ||
| Q2 25 | $947.2M | $101.4M | ||
| Q1 25 | $754.5M | $108.3M | ||
| Q4 24 | $532.5M | $105.5M | ||
| Q3 24 | $518.8M | $96.0M | ||
| Q2 24 | $445.8M | $105.6M | ||
| Q1 24 | $655.4M | $115.3M |
| Q4 25 | $1.0B | $283.8M | ||
| Q3 25 | $821.8M | $279.6M | ||
| Q2 25 | $758.6M | $289.3M | ||
| Q1 25 | $522.7M | $321.5M | ||
| Q4 24 | $453.3M | $319.6M | ||
| Q3 24 | $455.3M | $314.9M | ||
| Q2 24 | $447.3M | $321.5M | ||
| Q1 24 | $395.7M | $332.0M |
| Q4 25 | $2.5B | $342.0M | ||
| Q3 25 | $2.3B | $342.3M | ||
| Q2 25 | $2.4B | $349.5M | ||
| Q1 25 | $2.3B | $379.0M | ||
| Q4 24 | $2.2B | $384.0M | ||
| Q3 24 | $2.0B | $373.5M | ||
| Q2 24 | $1.9B | $376.7M | ||
| Q1 24 | $1.8B | $385.0M |
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 | $15.5M |
| Free Cash FlowOCF − Capex | $440.8M | $12.3M |
| FCF MarginFCF / Revenue | 179.0% | 8.2% |
| Capex IntensityCapex / Revenue | 1.5% | 2.1% |
| Cash ConversionOCF / Net Profit | 4.55× | — |
| TTM Free Cash FlowTrailing 4 quarters | $771.4M | $38.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $444.4M | $15.5M | ||
| Q3 25 | $26.7M | $12.9M | ||
| Q2 25 | $145.0M | $14.7M | ||
| Q1 25 | $162.0M | $11.1M | ||
| Q4 24 | $331.8M | $20.0M | ||
| Q3 24 | $104.1M | $9.4M | ||
| Q2 24 | $-29.0M | $18.7M | ||
| Q1 24 | $182.0M | $7.3M |
| Q4 25 | $440.8M | $12.3M | ||
| Q3 25 | $25.9M | $7.0M | ||
| Q2 25 | $144.5M | $9.1M | ||
| Q1 25 | $160.3M | $10.0M | ||
| Q4 24 | $327.8M | $16.4M | ||
| Q3 24 | $103.2M | $2.6M | ||
| Q2 24 | $-30.1M | $10.1M | ||
| Q1 24 | $181.0M | $5.6M |
| Q4 25 | 179.0% | 8.2% | ||
| Q3 25 | 12.0% | 5.5% | ||
| Q2 25 | 65.1% | 6.9% | ||
| Q1 25 | 74.1% | 7.4% | ||
| Q4 24 | 202.5% | 11.2% | ||
| Q3 24 | 58.9% | 2.1% | ||
| Q2 24 | -14.6% | 7.7% | ||
| Q1 24 | 87.6% | 4.1% |
| Q4 25 | 1.5% | 2.1% | ||
| Q3 25 | 0.4% | 4.6% | ||
| Q2 25 | 0.2% | 4.2% | ||
| Q1 25 | 0.8% | 0.8% | ||
| Q4 24 | 2.5% | 2.5% | ||
| Q3 24 | 0.5% | 5.5% | ||
| Q2 24 | 0.5% | 6.6% | ||
| Q1 24 | 0.5% | 1.3% |
| Q4 25 | 4.55× | — | ||
| Q3 25 | 0.41× | 8.15× | ||
| Q2 25 | 2.19× | — | ||
| Q1 25 | 2.32× | 1.43× | ||
| Q4 24 | 128.41× | — | ||
| Q3 24 | 18.33× | 1.98× | ||
| Q2 24 | -0.54× | 2.27× | ||
| Q1 24 | 3.82× | 1.04× |
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% |
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
