US · 1 entry · 1 publication

CIA

Citizens, Inc.

Entries: 1
Bullish: 0
Bearish: 0
First: Jul 16, 2026
Latest: Jul 16, 2026

▲ 0 bullish ▼ 0 bearish · 1 no stance

No entry states a stance.

Jan 25 – Oct 26 · per month

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Timeline

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July 2026 1 entry

Jul 16, 2026
Blogs · r/SecurityAnalysis · /u/JoeInOR
HCI Group deep dive: normalized FCF yield after reserve release adjustment, statutory subsidiary dividend caps, Citizens 20% depopulation mechanics, and two-storm empirical loss history. Looking for pushback on the reinsurance structure and the tort reform durability thesis.
The two analytical questions I'd most welcome pushback on from this community: First: how durable is the 2022-2023 Florida tort reform improvement? The loss ratio improvement from 55% to 29% is partly structural and…
CIAshort332 words
Since publication −34.9% α −36.8 pp vs S&P 500 · USD

Prices as of the Oct 27, 2026 close. Past performance does not guarantee future results. Price-only, excluding dividends, in local currency. Data may be delayed or inaccurate. Not investment advice. How it is calculated.

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Timeline

HCI Group deep dive: normalized FCF yield after reserve release adjustment, statutory subsidiary dividend caps, Citizens 20% depopulation mechanics, and two-storm empirical loss history. Looking for pushback on the reinsurance structure and the tort reform durability thesis.