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Screener Weekly Summary Pricing

Donegal Group, Inc. (DGICA) vs Heritage Insurance Holdings, Inc. (HRTG)

Donegal Group, Inc. and Heritage Insurance Holdings, Inc. are both Insurance Property & Casualty companies. Heritage Insurance Holdings, Inc. is the larger, with a market value of $986.5M against $662.3M — 1.5× the size. Heritage Insurance Holdings, Inc. trades at the lower P/E: 4.7× against 9.2×. Heritage Insurance Holdings, Inc. grew revenue faster over the last twelve months: 1.54% against −3.14%. Heritage Insurance Holdings, Inc. has the higher net margin (25.2% vs 7.38%) and the higher return on invested capital (489.1% vs 8.21%). Both pay a dividend; Heritage Insurance Holdings, Inc. yields more (16.2% vs 4.70%). Across the 23 metrics below, Heritage Insurance Holdings, Inc. leads on 20 and Donegal Group, Inc. on 3.

Valuation

Metric DGICA HRTG Insurance Property & Casualty median
P/E 9.23 4.73 10.29
P/S 0.70 1.17 1.17
P/B 1.01 1.76 1.83
Price to free cash flow 11.48 3.32 7.48
EV/EBITDA 7.44 1.53 7.49
EV/Sales 0.71 0.55 1.13
Earnings yield 10.83% 21.16% 9.50%
Free cash flow yield 8.71% 30.13% 13.29%

Profitability

Metric DGICA HRTG Insurance Property & Casualty median
Gross margin 24.57% 45.39% 41.16%
Operating margin 9.25% 34.46% 15.09%
Net margin 7.38% 25.19% 11.51%
Free cash flow margin 6.06% 35.21% 17.59%
Return on equity 11.18% 45.27% 18.19%
Return on assets 2.91% 8.63% 3.74%
Return on invested capital 8.21% 489.08% 12.06%

Growth

Metric DGICA HRTG Insurance Property & Casualty median
Revenue growth (TTM) (3.14%) 1.54% 8.69%
EPS growth (last fiscal year) 42.48% 214.43% —
Revenue growth, 5-year CAGR 4.69% 7.38% 9.23%
Net income growth, 5-year CAGR 8.48% 83.79% 10.09%

Health

Metric DGICA HRTG Insurance Property & Casualty median
Debt to equity 0.05 0.13 0.25
Current ratio 0.37 0.83 0.42
Net debt to EBITDA 0.08 (1.77) 0.08

Dividend

Metric DGICA HRTG Insurance Property & Casualty median
Dividend yield 4.70% 16.22% 2.79%
Payout ratio 6.45 0.00 0.27

Size

Metric DGICA HRTG Insurance Property & Casualty median
Market cap 662.34m 986.52m 2.44b

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