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Stock comparison · Signal date 2026-10-30

HIPO vs HRTG: stock comparison and AI forecast

Hippo Holdings Inc. (HIPO) and Heritage Insurance Holdings, Inc. (HRTG) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
NYSE · Fire, Marine & Casualty Insurance

HIPO Hippo Holdings Inc.

Market Cap
$967M
P/E Ratio
57.2x
Size
small-cap
AI Forecast
NO CURRENT FORECAST
Full analysis →
NYSE · Fire, Marine & Casualty Insurance

HRTG Heritage Insurance Holdings, Inc.

Market Cap
$1.06B
P/E Ratio
4.5x
Size
small-cap
AI Forecast
NO CURRENT FORECAST
Full analysis →
Model output

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.

HIPO · HRTG

Key facts

  • HIPO and HRTG have similar market capitalizations ($967M and $1.06B).
  • HRTG trades at 4.5 times trailing earnings, HIPO at 57.2 times.
  • HIPO carries 4.87 times debt per unit of equity, against 3.32 times for HRTG.
  • Both companies share the SEC industry classification Fire, Marine & Casualty Insurance.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricHIPOHRTG
Market Cap$967M$1.06B
P/E Ratio57.23x4.45x
P/B Ratio2.06x1.87x
EPS$0.64$8.01
Book Value/Share$17.77$19.09
Revenue/Share$20.56$28.74
FCF/Share$4.80$10.01

Profitability & Margins

MetricHIPOHRTG
ROE–40.8%
ROA–9.4%
Operating Margin–34.4%
Net Margin–27.0%
EBT Margin6.2%33.5%
Tax Rate5.6%25.1%

Financial Health

MetricHIPOHRTG
D/E Ratio4.87x3.32x
Financial Leverage5.87x4.32x
Interest Coverage–59.0x

Cash Flow

MetricHIPOHRTG
Operating Cash Flow$127M$305M
Free Cash Flow$127M$298M
Capital Spending-$600K-$7M
FCF Growth YoY–184.7%
FCF/Sales23.4%34.8%
CapEx/Sales0.1%0.8%

Operational Efficiency

MetricHIPOHRTG
Asset Turnover0.20x0.35x
Receivables Turnover1.3x–
Fixed Assets Turnover17.3x30.8x
Days Sales Outstanding283 days–

Income Statement

MetricHIPOHRTG
Total Revenue$543M$855M
Operating Income–$295M
Net Income–$232M
SG&A Expense$146M$93M

Dividend & Shareholder Information

MetricHIPOHRTG
Shares Outstanding26M30M
Net Income Growth–55.2%
EPS Growth-82.8%171.5%
FAQ

HIPO vs HRTG: stock comparison and AI forecast

Which is bigger, HIPO or HRTG?

HIPO and HRTG have similar market capitalizations ($967M and $1.06B).

Which is cheaper on earnings, HIPO or HRTG?

HRTG trades at 4.5 times trailing earnings, HIPO at 57.2 times.

Which one does Intratio's AI model rank higher, HIPO 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.