HRTG vs UVE: stock comparison and AI forecast
Heritage Insurance Holdings, Inc. (HRTG) and Universal Insurance Holdings, Inc. (UVE) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
HRTG Heritage Insurance Holdings, Inc.
- Market Cap
- $1.06B
- P/E Ratio
- 4.5x
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
UVE Universal Insurance Holdings, Inc.
- Market Cap
- $1.36B
- P/E Ratio
- 6.1x
- Size
- small-cap
- AI 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
- UVE is 1.3 times larger than HRTG by market capitalization ($1.36B against $1.06B).
- HRTG trades at 4.5 times trailing earnings, UVE at 6.1 times.
- HRTG turns 27.0% of its revenue into net income, against 13.9% for UVE.
- UVE carries 3.93 times debt per unit of equity, against 3.32 times for HRTG.
- UVE yields 1.62% 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 | HRTG | UVE |
|---|---|---|
| Market Cap | $1.06B | $1.36B |
| P/E Ratio | 4.45x | 6.12x |
| P/B Ratio | 1.87x | 2.11x |
| Dividend Yield | – | 1.62% |
| EPS | $8.01 | $8.01 |
| Book Value/Share | $19.09 | $23.21 |
| Revenue/Share | $28.74 | $59.93 |
| FCF/Share | $10.01 | $12.95 |
Profitability & Margins
| Metric | HRTG | UVE |
|---|---|---|
| ROE | 40.8% | 36.0% |
| ROA | 9.4% | 7.3% |
| Operating Margin | 34.4% | – |
| Net Margin | 27.0% | 13.9% |
| EBT Margin | 33.5% | 18.6% |
| Tax Rate | 25.1% | 24.9% |
Financial Health
| Metric | HRTG | UVE |
|---|---|---|
| D/E Ratio | 3.32x | 3.93x |
| Financial Leverage | 4.32x | 4.93x |
| Interest Coverage | 59.0x | – |
Cash Flow
| Metric | HRTG | UVE |
|---|---|---|
| Operating Cash Flow | $305M | $365M |
| Free Cash Flow | $298M | $360M |
| Capital Spending | -$7M | -$5M |
| OCF Growth YoY | – | 43.7% |
| FCF Growth YoY | 184.7% | 44.2% |
| FCF/Sales | 34.8% | 21.6% |
| CapEx/Sales | 0.8% | 0.3% |
Operational Efficiency
| Metric | HRTG | UVE |
|---|---|---|
| Asset Turnover | 0.35x | 0.52x |
| Fixed Assets Turnover | 30.8x | 34.8x |
Income Statement
| Metric | HRTG | UVE |
|---|---|---|
| Total Revenue | $855M | $1.67B |
| Operating Income | $295M | – |
| Net Income | $232M | $233M |
| SG&A Expense | $93M | – |
Dividend & Shareholder Information
| Metric | HRTG | UVE |
|---|---|---|
| Dividends Per Share | – | $0.80 |
| Payout Ratio | – | 10.0% |
| Shares Outstanding | 30M | 28M |
| Net Income Growth | 55.2% | 90.0% |
| EPS Growth | 171.5% | 88.0% |
HRTG vs UVE: stock comparison and AI forecast
Which is bigger, HRTG or UVE?
UVE is 1.3 times larger than HRTG by market capitalization ($1.36B against $1.06B).
Which is cheaper on earnings, HRTG or UVE?
HRTG trades at 4.5 times trailing earnings, UVE at 6.1 times.
Which one does Intratio's AI model rank higher, HRTG or UVE?
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.