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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 $998.3M against $716.7M — 1.4× the size. Heritage Insurance Holdings, Inc. trades at the lower P/E: 4.8× against 9.2×. Root, Inc. grew revenue faster over the last twelve months: 7.89% against 1.54%. Heritage Insurance Holdings, Inc. has the higher net margin (25.2% vs 4.96%) and the higher return on invested capital (489.1% vs 0.00%). Across the 20 metrics below, Heritage Insurance Holdings, Inc. leads on 15 and Root, Inc. on 5.

Valuation

Metric HRTG ROOT Insurance Property & Casualty median
P/E 4.78 9.21 12.17
P/S 1.18 0.45 1.26
P/B 1.78 2.15 1.85
Price to free cash flow 3.36 4.18 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 20.91% 10.86% 8.20%
Free cash flow yield 29.77% 23.92% 11.86%

Profitability

Metric HRTG ROOT Insurance Property & Casualty median
Gross margin 45.39% 39.44% 37.39%
Operating margin 34.46% 6.68% 14.67%
Net margin 25.19% 4.96% 10.16%
Free cash flow margin 35.21% 10.86% 18.60%
Return on equity 45.27% 26.15% 16.59%
Return on assets 8.63% 4.67% 3.38%
Return on invested capital 489.08% 0.00% 9.43%

Growth

Metric HRTG ROOT Insurance Property & Casualty median
Revenue growth (TTM) 1.54% 7.89% 5.70%
EPS growth (last fiscal year) 214.43% 28.96% 39.61%
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 0.49
Net debt to EBITDA (1.77) (6.65) 0.08

Dividend

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

Size

Metric HRTG ROOT Insurance Property & Casualty median
Market cap 998.32m 716.74m 2.64b

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