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Heritage Insurance Holdings, Inc. (HRTG) vs Orion180 Insurance Group Inc. (OIG)

Heritage Insurance Holdings, Inc. and Orion180 Insurance Group Inc. are both Insurance Property & Casualty companies. Heritage Insurance Holdings, Inc. is the larger, with a market value of $998.3M against $874.5M — 1.1× the size.

Valuation

Metric HRTG OIG Insurance Property & Casualty median
P/E 4.78 — 12.17
P/S 1.18 — 1.26
P/B 1.78 — 1.85
Price to free cash flow 3.36 — 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 20.91% — 8.20%
Free cash flow yield 29.77% — 11.86%

Profitability

Metric HRTG OIG Insurance Property & Casualty median
Gross margin 45.39% — 37.39%
Operating margin 34.46% — 14.67%
Net margin 25.19% — 10.16%
Free cash flow margin 35.21% — 18.60%
Return on equity 45.27% — 16.59%
Return on assets 8.63% — 3.38%
Return on invested capital 489.08% — 9.43%

Growth

Metric HRTG OIG Insurance Property & Casualty median
Revenue growth (TTM) 1.54% — 5.70%
EPS growth (last fiscal year) 214.43% — 39.61%
Revenue growth, 5-year CAGR 7.38% — 9.23%
Net income growth, 5-year CAGR 83.79% — 10.09%

Health

Metric HRTG OIG Insurance Property & Casualty median
Debt to equity 0.13 — 0.25
Current ratio 0.83 — 0.49
Net debt to EBITDA (1.77) — 0.08

Dividend

Metric HRTG OIG Insurance Property & Casualty median
Dividend yield — — 1.56%
Payout ratio — — 0.15

Size

Metric HRTG OIG Insurance Property & Casualty median
Market cap 998.32m 874.45m 2.64b

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