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Screener Weekly Summary Pricing

Heritage Insurance Holdings, Inc. (HRTG) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)

Heritage Insurance Holdings, Inc. and UNIVERSAL INSURANCE HOLDINGS INC are both Insurance Property & Casualty companies. UNIVERSAL INSURANCE HOLDINGS INC is the larger, with a market value of $1.2B against $986.5M — 1.2× the size. Heritage Insurance Holdings, Inc. trades at the lower P/E: 4.7× against 5.4×. UNIVERSAL INSURANCE HOLDINGS INC grew revenue faster over the last twelve months: 3.96% against 1.54%. Heritage Insurance Holdings, Inc. has the higher net margin (25.2% vs 13.5%) and the higher return on invested capital (489.1% vs 139.4%). Both pay a dividend; Heritage Insurance Holdings, Inc. yields more (16.2% vs 4.00%). Across the 22 metrics below, Heritage Insurance Holdings, Inc. leads on 18 and UNIVERSAL INSURANCE HOLDINGS INC on 4.

Valuation

Metric HRTG UVE Insurance Property & Casualty median
P/E 4.73 5.40 10.29
P/S 1.17 0.71 1.17
P/B 1.76 1.83 1.83
Price to free cash flow 3.32 3.43 7.48
EV/EBITDA 1.53 2.23 7.49
EV/Sales 0.55 0.41 1.13
Earnings yield 21.16% 18.53% 9.50%
Free cash flow yield 30.13% 29.19% 13.29%

Profitability

Metric HRTG UVE Insurance Property & Casualty median
Gross margin 45.39% 25.87% 41.16%
Operating margin 34.46% 18.37% 15.09%
Net margin 25.19% 13.49% 11.51%
Free cash flow margin 35.21% 20.85% 17.59%
Return on equity 45.27% 40.16% 18.19%
Return on assets 8.63% 6.68% 3.74%
Return on invested capital 489.08% 139.39% 12.06%

Growth

Metric HRTG UVE Insurance Property & Casualty median
Revenue growth (TTM) 1.54% 3.96% 8.69%
EPS growth (last fiscal year) 214.43% 214.43% —
Revenue growth, 5-year CAGR 7.38% 8.38% 9.23%
Net income growth, 5-year CAGR 83.79% 57.14% 10.09%

Health

Metric HRTG UVE Insurance Property & Casualty median
Debt to equity 0.13 0.15 0.25
Current ratio 0.83 0.57 0.42
Net debt to EBITDA (1.77) (1.47) 0.08

Dividend

Metric HRTG UVE Insurance Property & Casualty median
Dividend yield 16.22% 4.00% 2.79%
Payout ratio 0.00 3.20 0.27

Size

Metric HRTG UVE Insurance Property & Casualty median
Market cap 986.52m 1.18b 2.44b

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