Heritage Insurance vs Universal Insurance
HRTG and UVE side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HRTG and UVE compare
Universal Insurance is the larger company, worth 1.3 times as much as Heritage Insurance ($1.3B against $1.1B).
On earnings, Heritage Insurance is cheaper: it trades at 5.1× trailing earnings, against 6.1× for Universal Insurance.
Universal Insurance grew revenue faster over the last twelve months (5.5% versus 1.5% for Heritage Insurance).
Heritage Insurance keeps more of each dollar of sales as profit, with a net margin of 25.2% compared with 13.9% at Universal Insurance.
Universal Insurance pays a dividend yielding 1.6%; Heritage Insurance does not pay one.
Universal Insurance scores higher on the StockData Score (15 against 11 for Heritage Insurance), 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 | UVE |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $1.3B |
| Share price | $35.64 | $48.50 |
| Change, 1 year | 54.5% | 54.3% |
| Change, 5 years | 420% | 218% |
| Beta (5Y) | 0.70 | 0.44 |
| Employees | 250 | 929 |
| StockData Score | ||
| Total score | 11 | 15 (better) |
| Valuation score | 4 | 4 |
| Growth score | 1 | 1 |
| Performance score | 5 | 6 (better) |
| Health score | 1 (better) | 0 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 5.1× (better) | 6.1× |
| P/S | 1.2× | 0.8× (better) |
| P/B | 1.9× (better) | 2.1× |
| EV/EBITDA | 1.6× | – |
| P/FCF | 3.6× (better) | 3.7× |
| FCF yield | 28.1% (better) | 26.7% |
| Fair value | $41.06 | $56.78 |
| Margin of safety | 13.2% | 14.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 1.5% | 5.5% (better) |
| Revenue growth, 5Y average | 7.4% | 8.4% (better) |
| Net income growth (TTM) | 101% (better) | 90.0% |
| EPS growth (TTM) | 102% (better) | 88.7% |
| EPS growth, 5Y average | 80.5% (better) | 60.1% |
| Profitability | ||
| Operating margin | 34.5% | – |
| Net margin | 25.2% (better) | 13.9% |
| FCF margin | 34.8% (better) | 21.6% |
| Return on equity | 45.3% (better) | 40.8% |
| Financial health | ||
| Interest coverage | 41.8× | – |
| Altman Z-score | 1.30 (better) | 1.24 |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 1.6% |
| Payout ratio | – | 9.5% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.00% |
| Buyback yield | 2.5% (better) | 1.9% |
| Shareholder yield | 2.5% | 3.5% (better) |
| Ownership | ||
| Held by institutions | 63.9% | 77.6% |
| Held by insiders | 11.1% | 14.6% |
| Insider net buying, 12 months | −$10.2M | −$9.2M (better) |
| Short interest, % of float | 3.0% | 5.0% |
Go deeper
- HRTG stock overview
- HRTG income statement
- HRTG valuation and score
- UVE stock overview
- UVE income statement
- UVE valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.