ACIC vs HRTG
ACIC: A specialized commercial property insurer in Florida, focusing on underwriting discipline for catastrophe-exposed residential assets. HRTG: Heritage Insurance is a regional property and casualty insurer specializing in residential policies for homeowners in catastrophe-exposed coastal states.
Side-by-side fundamentals
| Metric | ACIC | HRTG | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $9.83 | $35.23 | |
| Market cap | $476M | $1.0B | |
| P/E as of 2026-10-08 | 4.68 | 5.41 | ACIC lower |
| Net margin FY2025, SEC XBRL | +31.8% | +23.1% | ACIC higher |
| Operating margin FY2025, SEC XBRL | +41.8% | +31.5% | ACIC higher |
| ROE FY2025, SEC XBRL | +33.6% | +38.7% | HRTG higher |
| ROA FY2025, SEC XBRL | +10.0% | +8.9% | ACIC higher |
| Debt / equity as of 2026-09-03 | 0.45 | 0.18 | HRTG lower |
| Revenue growth (YoY) as of 2026-09-03 | +10.7% | +1.4% | ACIC higher |
| Revenue CAGR (3y) SEC XBRL | +14.8% | +8.6% | ACIC higher |
| Dividend yield as of 2026-09-03 | +7.7% | +2.8% | ACIC higher |
| Dividend streak (yrs) SEC XBRL | 2 | 6 | HRTG higher |
| Beta as of 2026-09-03 | 0.35 | 0.33 | |
| 1-year return as of 2026-10-08 close | -20.1% | +35.9% | HRTG higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.