EIG vs HRTG: stock comparison and AI forecast
Employers Holdings, Inc. (EIG) and Heritage Insurance Holdings, Inc. (HRTG) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
EIG Employers Holdings, Inc.
- Market Cap
- $829M
- P/E Ratio
- 25.4x
- Size
- small-cap
- AI Forecast
HRTG Heritage Insurance Holdings, Inc.
- Market Cap
- $1.06B
- P/E Ratio
- 4.5x
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- HRTG is 1.3 times larger than EIG by market capitalization ($1.06B against $829M).
- HRTG trades at 4.5 times trailing earnings, EIG at 25.4 times.
- HRTG turns 27.0% of its revenue into net income, against 3.5% for EIG.
- HRTG carries 3.32 times debt per unit of equity, against 3.14 times for EIG.
- EIG yields 3.12% in dividends; HRTG pays none.
- Both companies share the SEC industry classification Fire, Marine & Casualty Insurance.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | EIG | HRTG |
|---|---|---|
| Market Cap | $829M | $1.06B |
| P/E Ratio | 25.37x | 4.45x |
| P/B Ratio | 1.06x | 1.87x |
| Dividend Yield | 3.12% | – |
| EPS | $1.82 | $8.01 |
| Book Value/Share | $43.74 | $19.09 |
| Revenue/Share | $43.85 | $28.74 |
| FCF/Share | – | $10.01 |
Profitability & Margins
| Metric | EIG | HRTG |
|---|---|---|
| ROE | 3.5% | 40.8% |
| ROA | 0.8% | 9.4% |
| Operating Margin | – | 34.4% |
| Net Margin | 3.5% | 27.0% |
| EBT Margin | 4.1% | 33.5% |
| Tax Rate | 14.9% | 25.1% |
Financial Health
| Metric | EIG | HRTG |
|---|---|---|
| D/E Ratio | 3.14x | 3.32x |
| Financial Leverage | 4.14x | 4.32x |
| Interest Coverage | – | 59.0x |
Cash Flow
| Metric | EIG | HRTG |
|---|---|---|
| Operating Cash Flow | -$19M | $305M |
| Free Cash Flow | – | $298M |
| Capital Spending | – | -$7M |
| OCF Growth YoY | -132.9% | – |
| FCF Growth YoY | – | 184.7% |
| FCF/Sales | – | 34.8% |
| CapEx/Sales | – | 0.8% |
Operational Efficiency
| Metric | EIG | HRTG |
|---|---|---|
| Asset Turnover | 0.24x | 0.35x |
| Fixed Assets Turnover | 127.0x | 30.8x |
Income Statement
| Metric | EIG | HRTG |
|---|---|---|
| Total Revenue | $788M | $855M |
| Operating Income | – | $295M |
| Net Income | $28M | $232M |
| SG&A Expense | – | $93M |
Dividend & Shareholder Information
| Metric | EIG | HRTG |
|---|---|---|
| Dividends Per Share | $1.44 | – |
| Payout Ratio | 79.1% | – |
| Shares Outstanding | 18M | 30M |
| Net Income Growth | -56.0% | 55.2% |
| EPS Growth | -9.4% | 171.5% |
EIG vs HRTG: stock comparison and AI forecast
Which is bigger, EIG or HRTG?
HRTG is 1.3 times larger than EIG by market capitalization ($1.06B against $829M).
Which is cheaper on earnings, EIG or HRTG?
HRTG trades at 4.5 times trailing earnings, EIG at 25.4 times.
Which one does Intratio's AI model rank higher, EIG or HRTG?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.