HRTG vs UVE
HRTG: Heritage Insurance is a regional property and casualty insurer specializing in residential policies for homeowners in catastrophe-exposed coastal states. UVE: A vertically integrated property and casualty insurance provider specializing in homeowners coverage with a heavy concentration in the Florida market.
Side-by-side fundamentals
| Metric | HRTG | UVE | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $35.23 | $46.97 | |
| Market cap | $1.0B | $1.3B | |
| P/E as of 2026-10-08 | 5.41 | 6.19 | HRTG lower |
| Net margin FY2025, SEC XBRL | +23.1% | +11.4% | HRTG higher |
| Operating margin FY2025, SEC XBRL | +31.5% | n/a | |
| ROE FY2025, SEC XBRL | +38.7% | +33.2% | HRTG higher |
| ROA FY2025, SEC XBRL | +8.9% | +6.4% | HRTG higher |
| Debt / equity as of 2026-09-03 | 0.18 | 0.15 | UVE lower |
| Revenue growth (YoY) as of 2026-09-03 | +1.4% | +4.0% | UVE higher |
| Revenue CAGR (3y) SEC XBRL | +8.6% | +9.5% | UVE higher |
| Dividend yield as of 2026-09-03 | +2.8% | +1.4% | HRTG higher |
| Dividend streak (yrs) SEC XBRL | 6 | 16 | UVE higher |
| Beta as of 2026-09-03 | 0.33 | 0.38 | |
| 1-year return as of 2026-10-08 close | +35.9% | +56.6% | UVE 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.