AII vs HRTG
AII: A specialized residential property insurer focused on the Florida market with a technology-forward platform and a proven track record of underwriting profitability. 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 | AII | HRTG | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $26.97 | $35.23 | |
| Market cap | $528M | $1.0B | |
| P/E as of 2026-10-08 | 6.16 | 5.41 | HRTG lower |
| PEG as of 2026-10-08, 1-year EPS growth to FY2025 | 0.07 | n/a | |
| Net margin FY2025, SEC XBRL | +36.0% | +23.1% | AII higher |
| Operating margin FY2025, SEC XBRL | n/a | +31.5% | |
| ROE FY2025, SEC XBRL | +29.6% | +38.7% | HRTG higher |
| ROA FY2025, SEC XBRL | +8.1% | +8.9% | HRTG higher |
| Debt / equity as of 2026-09-03 | 0.00 | 0.18 | AII lower |
| Revenue growth (YoY) as of 2026-09-03 | +26.5% | +1.4% | AII higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +8.6% | |
| Dividend yield as of 2026-09-03 | n/a | +2.8% | |
| Dividend streak (yrs) SEC XBRL | n/a | 6 | |
| Beta as of 2026-09-03 | 0.26 | 0.33 | |
| 1-year return as of 2026-10-08 close | +12.8% | +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.