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Side-by-side financial comparison of HCI Group, Inc. (HCI) and Shutterstock, Inc. (SSTK). Click either name above to swap in a different company.
HCI Group, Inc. is the larger business by last-quarter revenue ($246.2M vs $220.2M, roughly 1.1× Shutterstock, Inc.). HCI Group, Inc. runs the higher net margin — 39.7% vs -7.3%, a 46.9% gap on every dollar of revenue. On growth, HCI Group, Inc. posted the faster year-over-year revenue change (52.1% vs -12.0%). HCI Group, Inc. produced more free cash flow last quarter ($440.8M vs $25.9M). Over the past eight quarters, HCI Group, Inc.'s revenue compounded faster (9.2% CAGR vs 1.4%).
HCI Equity Partners is a Washington, DC–based private equity firm with an additional office in Chicago, Illinois.
Shutterstock, Inc. is an American provider of stock photography, stock footage, stock music, and editing tools; it is headquartered in New York. Founded in 2002 by programmer and photographer Jon Oringer, Shutterstock maintains a library of around 200 million royalty-free stock photos, vector graphics, and illustrations, with around 10 million video clips and music tracks available for licensing. Originally a subscription site only, Shutterstock expanded beyond subscriptions into à la carte p...
HCI vs SSTK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $246.2M | $220.2M |
| Net Profit | $97.7M | $-16.0M |
| Gross Margin | — | 55.8% |
| Operating Margin | 58.5% | -1.1% |
| Net Margin | 39.7% | -7.3% |
| Revenue YoY | 52.1% | -12.0% |
| Net Profit YoY | 3679.2% | -1021.0% |
| EPS (diluted) | $7.29 | $-0.47 |
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 | $220.2M | ||
| Q3 25 | $216.3M | $260.1M | ||
| Q2 25 | $221.9M | $267.0M | ||
| Q1 25 | $216.4M | $242.6M | ||
| Q4 24 | $161.9M | $250.3M | ||
| Q3 24 | $175.3M | $250.6M | ||
| Q2 24 | $206.2M | $220.1M | ||
| Q1 24 | $206.6M | $214.3M |
| Q4 25 | $97.7M | $-16.0M | ||
| Q3 25 | $65.5M | $13.4M | ||
| Q2 25 | $66.2M | $29.4M | ||
| Q1 25 | $69.7M | $18.7M | ||
| Q4 24 | $2.6M | $-1.4M | ||
| Q3 24 | $5.7M | $17.6M | ||
| Q2 24 | $54.1M | $3.6M | ||
| Q1 24 | $47.6M | $16.1M |
| Q4 25 | — | 55.8% | ||
| Q3 25 | — | 60.6% | ||
| Q2 25 | — | 60.3% | ||
| Q1 25 | — | 58.4% | ||
| Q4 24 | — | 55.1% | ||
| Q3 24 | — | 58.3% | ||
| Q2 24 | — | 58.5% | ||
| Q1 24 | — | 58.8% |
| Q4 25 | 58.5% | -1.1% | ||
| Q3 25 | 41.9% | 12.5% | ||
| Q2 25 | 42.5% | 13.0% | ||
| Q1 25 | 46.4% | 4.2% | ||
| Q4 24 | 3.6% | 5.3% | ||
| Q3 24 | 8.0% | 7.2% | ||
| Q2 24 | 36.9% | 9.4% | ||
| Q1 24 | 37.5% | 7.8% |
| Q4 25 | 39.7% | -7.3% | ||
| Q3 25 | 30.3% | 5.1% | ||
| Q2 25 | 29.8% | 11.0% | ||
| Q1 25 | 32.2% | 7.7% | ||
| Q4 24 | 1.6% | -0.6% | ||
| Q3 24 | 3.2% | 7.0% | ||
| Q2 24 | 26.2% | 1.6% | ||
| Q1 24 | 23.0% | 7.5% |
| Q4 25 | $7.29 | $-0.47 | ||
| Q3 25 | $4.90 | $0.37 | ||
| Q2 25 | $5.18 | $0.82 | ||
| Q1 25 | $5.35 | $0.53 | ||
| Q4 24 | $0.32 | $-0.04 | ||
| Q3 24 | $0.52 | $0.50 | ||
| Q2 24 | $4.24 | $0.10 | ||
| Q1 24 | $3.81 | $0.45 |
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 | $178.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.0B | $581.0M |
| Total Assets | $2.5B | $1.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.2B | $178.2M | ||
| Q3 25 | $987.9M | $165.5M | ||
| Q2 25 | $947.2M | $116.4M | ||
| Q1 25 | $754.5M | $112.2M | ||
| Q4 24 | $532.5M | $111.3M | ||
| Q3 24 | $518.8M | $131.4M | ||
| Q2 24 | $445.8M | $74.9M | ||
| Q1 24 | $655.4M | $71.8M |
| Q4 25 | $1.0B | $581.0M | ||
| Q3 25 | $821.8M | $594.4M | ||
| Q2 25 | $758.6M | $586.2M | ||
| Q1 25 | $522.7M | $547.2M | ||
| Q4 24 | $453.3M | $518.4M | ||
| Q3 24 | $455.3M | $522.9M | ||
| Q2 24 | $447.3M | $520.4M | ||
| Q1 24 | $395.7M | $541.3M |
| Q4 25 | $2.5B | $1.4B | ||
| Q3 25 | $2.3B | $1.4B | ||
| Q2 25 | $2.4B | $1.4B | ||
| Q1 25 | $2.3B | $1.3B | ||
| Q4 24 | $2.2B | $1.3B | ||
| Q3 24 | $2.0B | $1.3B | ||
| Q2 24 | $1.9B | $1.0B | ||
| Q1 24 | $1.8B | $1.0B |
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 | $36.2M |
| Free Cash FlowOCF − Capex | $440.8M | $25.9M |
| FCF MarginFCF / Revenue | 179.0% | 11.8% |
| Capex IntensityCapex / Revenue | 1.5% | 4.7% |
| Cash ConversionOCF / Net Profit | 4.55× | — |
| TTM Free Cash FlowTrailing 4 quarters | $771.4M | $123.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $444.4M | $36.2M | ||
| Q3 25 | $26.7M | $78.4M | ||
| Q2 25 | $145.0M | $26.8M | ||
| Q1 25 | $162.0M | $25.2M | ||
| Q4 24 | $331.8M | $8.0M | ||
| Q3 24 | $104.1M | $-11.6M | ||
| Q2 24 | $-29.0M | $28.0M | ||
| Q1 24 | $182.0M | $8.3M |
| Q4 25 | $440.8M | $25.9M | ||
| Q3 25 | $25.9M | $68.0M | ||
| Q2 25 | $144.5M | $15.5M | ||
| Q1 25 | $160.3M | $14.4M | ||
| Q4 24 | $327.8M | $-952.0K | ||
| Q3 24 | $103.2M | $-26.3M | ||
| Q2 24 | $-30.1M | $18.9M | ||
| Q1 24 | $181.0M | $-6.2M |
| Q4 25 | 179.0% | 11.8% | ||
| Q3 25 | 12.0% | 26.1% | ||
| Q2 25 | 65.1% | 5.8% | ||
| Q1 25 | 74.1% | 6.0% | ||
| Q4 24 | 202.5% | -0.4% | ||
| Q3 24 | 58.9% | -10.5% | ||
| Q2 24 | -14.6% | 8.6% | ||
| Q1 24 | 87.6% | -2.9% |
| Q4 25 | 1.5% | 4.7% | ||
| Q3 25 | 0.4% | 4.0% | ||
| Q2 25 | 0.2% | 4.2% | ||
| Q1 25 | 0.8% | 4.5% | ||
| Q4 24 | 2.5% | 3.6% | ||
| Q3 24 | 0.5% | 5.9% | ||
| Q2 24 | 0.5% | 4.1% | ||
| Q1 24 | 0.5% | 6.7% |
| Q4 25 | 4.55× | — | ||
| Q3 25 | 0.41× | 5.86× | ||
| Q2 25 | 2.19× | 0.91× | ||
| Q1 25 | 2.32× | 1.35× | ||
| Q4 24 | 128.41× | — | ||
| Q3 24 | 18.33× | -0.66× | ||
| Q2 24 | -0.54× | 7.71× | ||
| Q1 24 | 3.82× | 0.51× |
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% |
SSTK
Segment breakdown not available.
