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Screener Weekly Summary Pricing

Heritage Insurance Holdings, Inc. (HRTG) vs United Fire Group, Inc (UFCS)

Heritage Insurance Holdings, Inc. and United Fire Group, Inc are both Insurance Property & Casualty companies. United Fire Group, Inc is the larger, with a market value of $1.4B against $986.5M — 1.4× the size. Heritage Insurance Holdings, Inc. trades at the lower P/E: 4.7× against 9.9×. United Fire Group, Inc grew revenue faster over the last twelve months: 11.4% against 1.54%. Heritage Insurance Holdings, Inc. has the higher net margin (25.2% vs 9.57%) and the higher return on invested capital (489.1% vs 12.0%). Both pay a dividend; Heritage Insurance Holdings, Inc. yields more (16.2% vs 2.93%). Across the 23 metrics below, Heritage Insurance Holdings, Inc. leads on 20 and United Fire Group, Inc on 3.

Valuation

Metric HRTG UFCS Insurance Property & Casualty median
P/E 4.73 9.91 10.29
P/S 1.17 0.93 1.17
P/B 1.76 1.40 1.83
Price to free cash flow 3.32 5.10 7.48
EV/EBITDA 1.53 6.85 7.49
EV/Sales 0.55 0.93 1.13
Earnings yield 21.16% 10.09% 9.50%
Free cash flow yield 30.13% 19.60% 13.29%

Profitability

Metric HRTG UFCS Insurance Property & Casualty median
Gross margin 45.39% 35.24% 41.16%
Operating margin 34.46% 12.87% 15.09%
Net margin 25.19% 9.57% 11.51%
Free cash flow margin 35.21% 18.22% 17.59%
Return on equity 45.27% 15.46% 18.19%
Return on assets 8.63% 3.67% 3.74%
Return on invested capital 489.08% 12.03% 12.06%

Growth

Metric HRTG UFCS Insurance Property & Casualty median
Revenue growth (TTM) 1.54% 11.36% 8.69%
EPS growth (last fiscal year) 214.43% 87.45% —
Revenue growth, 5-year CAGR 7.38% 5.34% 9.23%
Net income growth, 5-year CAGR 83.79% 0.00% 10.09%

Health

Metric HRTG UFCS Insurance Property & Casualty median
Debt to equity 0.13 0.15 0.25
Current ratio 0.83 0.34 0.42
Net debt to EBITDA (1.77) (0.06) 0.08

Dividend

Metric HRTG UFCS Insurance Property & Casualty median
Dividend yield 16.22% 2.93% 2.79%
Payout ratio 0.00 0.30 0.27

Size

Metric HRTG UFCS Insurance Property & Casualty median
Market cap 986.52m 1.37b 2.44b

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