HRTG vs PGR
HRTG: A coastal property insurer specializing in homeowners and dwelling coverage in hurricane-prone states, leveraging proprietary analytics and vertical integration to manage catastrophic weather risk. PGR: America's second-largest private auto insurer, combining personal lines, commercial lines, and specialty coverage with a focus on competitive pricing and brand-driven growth.
Side-by-side fundamentals
| Metric | HRTG | PGR | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $26.23 | $204.54 | |
| Market cap as of 2026-07-23 | $819M | $119.5B | |
| P/E as of 2026-07-23 | 4.06 | 10.34 | HRTG lower |
| PEG as of 2026-07-23 | 0.03 | 3.13 | HRTG lower |
| Net margin as of 2026-07-23 | +23.8% | +12.9% | HRTG higher |
| Operating margin as of 2026-07-23 | +32.5% | +16.6% | HRTG higher |
| ROE as of 2026-07-23 | +43.7% | +35.4% | HRTG higher |
| ROA as of 2026-07-23 | +8.8% | +9.6% | PGR higher |
| Debt / equity as of 2026-07-23 | 0.18 | 0.26 | HRTG lower |
| Revenue growth (YoY) as of 2026-07-23 | +1.4% | +13.9% | PGR higher |
| Revenue CAGR (3y) SEC XBRL | +8.6% | +20.9% | PGR higher |
| Dividend yield as of 2026-07-23 | +2.8% | +0.2% | HRTG higher |
| Dividend streak (yrs) SEC XBRL | 5 | 4 | HRTG higher |
| Beta as of 2026-07-23 | 0.94 | 0.26 | |
| 1-year return as of 2026-07-22 close | +23.0% | -17.3% | HRTG higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.