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Screener Weekly Summary Pricing

Heritage Insurance Holdings, Inc. (HRTG) vs Root, Inc. (ROOT)

Heritage Insurance Holdings, Inc. and Root, Inc. are both Insurance Property & Casualty companies. Heritage Insurance Holdings, Inc. is the larger, with a market value of $986.5M against $750.2M — 1.3× the size. Heritage Insurance Holdings, Inc. trades at the lower P/E: 4.7× against 12.8×. Root, Inc. grew revenue faster over the last twelve months: 14.9% against 1.54%. Heritage Insurance Holdings, Inc. has the higher net margin (25.2% vs 3.71%) and the higher return on invested capital (489.1% vs 85.8%). Across the 22 metrics below, Heritage Insurance Holdings, Inc. leads on 16 and Root, Inc. on 6.

Valuation

Metric HRTG ROOT Insurance Property & Casualty median
P/E 4.73 12.78 10.29
P/S 1.17 0.47 1.17
P/B 1.76 2.27 1.83
Price to free cash flow 3.32 4.18 7.48
EV/EBITDA 1.53 3.68 7.49
EV/Sales 0.55 0.23 1.13
Earnings yield 21.16% 7.83% 9.50%
Free cash flow yield 30.13% 23.91% 13.29%

Profitability

Metric HRTG ROOT Insurance Property & Casualty median
Gross margin 45.39% 39.30% 41.16%
Operating margin 34.46% 5.51% 15.09%
Net margin 25.19% 3.71% 11.51%
Free cash flow margin 35.21% 11.43% 17.59%
Return on equity 45.27% 20.34% 18.19%
Return on assets 8.63% 3.57% 3.74%
Return on invested capital 489.08% 85.75% 12.06%

Growth

Metric HRTG ROOT Insurance Property & Casualty median
Revenue growth (TTM) 1.54% 14.86% 8.69%
EPS growth (last fiscal year) 214.43% 28.96% —
Revenue growth, 5-year CAGR 7.38% 34.33% 9.23%
Net income growth, 5-year CAGR 83.79% 0.00% 10.09%

Health

Metric HRTG ROOT Insurance Property & Casualty median
Debt to equity 0.13 0.45 0.25
Current ratio 0.83 1.01 0.42
Net debt to EBITDA (1.77) (6.65) 0.08

Dividend

Metric HRTG ROOT Insurance Property & Casualty median
Dividend yield 16.22% — 2.79%
Payout ratio 0.00 0.00 0.27

Size

Metric HRTG ROOT Insurance Property & Casualty median
Market cap 986.52m 750.15m 2.44b

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