Heritage Insurance vs Porch
HRTG and PRCH side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HRTG and PRCH compare
Porch is the larger company, worth 2.9 times as much as Heritage Insurance ($2.9B against $1000M).
On earnings, Heritage Insurance is cheaper: it trades at 4.7× trailing earnings, against 443× for Porch.
Porch grew revenue faster over the last twelve months (15.6% versus 2.3% for Heritage Insurance).
Heritage Insurance keeps more of each dollar of sales as profit, with a net margin of 25.1% compared with 1.8% at Porch.
Heritage Insurance scores higher on the StockData Score (11 against 7 for Porch), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HRTG | PRCH |
|---|---|---|
| Size and price | ||
| Market cap | $1000M | $2.9B |
| Share price | $33.62 | $22.14 |
| Change, 1 year | 16.3% | 110% |
| Change, 5 years | 416% | −9.4% |
| Beta (5Y) | 0.72 | 2.19 |
| Employees | 250 | 803 |
| StockData Score | ||
| Total score | 11 (better) | 7 |
| Valuation score | 5 (better) | 0 |
| Growth score | 0 | 3 (better) |
| Performance score | 5 (better) | 2 |
| Health score | 1 | 2 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 4.7× (better) | 443× |
| P/S | 1.2× (better) | 5.5× |
| P/B | 1.7× (better) | 389× |
| EV/EBITDA | 1.6× (better) | 44.6× |
| P/FCF | 5.4× (better) | 25.8× |
| FCF yield | 18.5% (better) | 3.9% |
| Fair value | $42.17 | – |
| Margin of safety | 20.3% | – |
| Growth | ||
| Revenue growth (TTM) | 2.3% | 15.6% (better) |
| Revenue growth, 5Y average | 7.4% | 46.2% (better) |
| Net income growth (TTM) | 44.8% (better) | −68.6% |
| EPS growth (TTM) | 47.2% (better) | −81.5% |
| EPS growth, 5Y average | 80.5% | – |
| Profitability | ||
| Gross margin | – | 72.1% |
| Operating margin | 34.1% (better) | 8.0% |
| Net margin | 25.1% (better) | 1.8% |
| FCF margin | 21.4% | 21.5% (better) |
| Return on equity | 41.7% | – |
| Return on invested capital | – | 12.6% |
| Financial health | ||
| Debt / equity | – | 53.60 |
| Net debt / EBITDA | – | 2.47 |
| Interest coverage | 43.7× (better) | 0.7× |
| Current ratio | – | 1.46 |
| Altman Z-score | 1.44 | 1.90 (better) |
| Piotroski F-score | 4 | 7 (better) |
| Dividends and buybacks | ||
| Buyback yield | 2.6% (better) | 0.09% |
| Shareholder yield | 2.6% (better) | 0.09% |
| Ownership | ||
| Held by institutions | 63.9% | 65.8% |
| Held by insiders | 11.1% | 20.8% |
| Insider net buying, 12 months | −$7.5M (better) | −$43.4M |
| Short interest, % of float | 2.8% | 16.5% |
Go deeper
- HRTG stock overview
- HRTG income statement
- HRTG valuation and score
- PRCH stock overview
- PRCH income statement
- PRCH valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.