HRTG vs UFCS: stock comparison and AI forecast
Heritage Insurance Holdings, Inc. (HRTG) and United Fire Group Inc (UFCS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
HRTG Heritage Insurance Holdings, Inc.
- Price
- $33.69 +20.2% · 6M
- Market Cap
- $1.00B
- P/E Ratio
- 4.2x
- Size
- small-cap
- AI Forecast
UFCS United Fire Group Inc
- Market Cap
- $1.22B
- P/E Ratio
- 8.0x
- 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
- UFCS is 1.2 times larger than HRTG by market capitalization ($1.22B against $1.00B).
- HRTG trades at 4.2 times trailing earnings, UFCS at 8.0 times.
- HRTG turns 27.0% of its revenue into net income, against 9.1% for UFCS.
- UFCS carries 3.35 times debt per unit of equity, against 3.32 times for HRTG.
- UFCS yields 1.60% 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 | UFCS |
|---|---|---|
| Market Cap | $1.00B | $1.22B |
| P/E Ratio | 4.21x | 8.02x |
| P/B Ratio | 1.76x | 1.30x |
| Dividend Yield | – | 1.60% |
| EPS | $8.01 | $5.90 |
| Book Value/Share | $19.09 | $36.53 |
| Revenue/Share | $28.74 | $58.77 |
| FCF/Share | $10.01 | – |
Profitability & Margins
| Metric | HRTG | UFCS |
|---|---|---|
| ROE | 40.8% | 14.6% |
| ROA | 9.4% | 3.4% |
| Operating Margin | 34.4% | – |
| Net Margin | 27.0% | 9.1% |
| EBT Margin | 33.5% | 11.4% |
| Tax Rate | 25.1% | 20.9% |
Financial Health
| Metric | HRTG | UFCS |
|---|---|---|
| D/E Ratio | 3.32x | 3.35x |
| Financial Leverage | 4.32x | 4.35x |
| Interest Coverage | 59.0x | – |
Cash Flow
| Metric | HRTG | UFCS |
|---|---|---|
| Operating Cash Flow | $305M | $312M |
| Free Cash Flow | $298M | – |
| Capital Spending | -$7M | – |
| OCF Growth YoY | – | 1.8% |
| FCF Growth YoY | 184.7% | – |
| FCF/Sales | 34.8% | – |
| CapEx/Sales | 0.8% | – |
Operational Efficiency
| Metric | HRTG | UFCS |
|---|---|---|
| Asset Turnover | 0.35x | 0.37x |
| Fixed Assets Turnover | 30.8x | 11.9x |
Income Statement
| Metric | HRTG | UFCS |
|---|---|---|
| Total Revenue | $855M | $1.51B |
| Operating Income | $295M | – |
| Net Income | $232M | $137M |
| SG&A Expense | $93M | – |
Dividend & Shareholder Information
| Metric | HRTG | UFCS |
|---|---|---|
| Dividends Per Share | – | $0.76 |
| Payout Ratio | – | 12.9% |
| Shares Outstanding | 30M | 26M |
| Net Income Growth | 55.2% | 23.0% |
| EPS Growth | 171.5% | 47.9% |
HRTG vs UFCS: stock comparison and AI forecast
Which is bigger, HRTG or UFCS?
UFCS is 1.2 times larger than HRTG by market capitalization ($1.22B against $1.00B).
Which is cheaper on earnings, HRTG or UFCS?
HRTG trades at 4.2 times trailing earnings, UFCS at 8.0 times.
Which one does Intratio's AI model rank higher, HRTG or UFCS?
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.