HRTG vs UVE
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. UVE: A vertically integrated property and casualty insurer with a strong focus on the Florida homeowners' market and comprehensive in-house claims and insurance services.
Side-by-side fundamentals
| Metric | HRTG | UVE | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $26.23 | $37.80 | |
| Market cap as of 2026-07-23 | $819M | $1.1B | |
| P/E as of 2026-07-23 | 4.06 | 5.39 | HRTG lower |
| PEG as of 2026-07-23 | 0.03 | 0.03 | HRTG lower |
| Net margin as of 2026-07-23 | +23.8% | +12.2% | HRTG higher |
| Operating margin as of 2026-07-23 | +32.5% | +16.2% | HRTG higher |
| ROE as of 2026-07-23 | +43.7% | +37.5% | HRTG higher |
| ROA as of 2026-07-23 | +8.8% | +6.5% | HRTG higher |
| Debt / equity as of 2026-07-23 | 0.18 | 0.17 | UVE lower |
| Revenue growth (YoY) as of 2026-07-23 | +1.4% | +3.6% | UVE higher |
| Revenue CAGR (3y) SEC XBRL | +8.6% | +9.5% | UVE higher |
| Dividend yield as of 2026-07-23 | +2.8% | +1.7% | HRTG higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 0.94 | 0.75 | |
| 1-year return as of 2026-07-22 close | +23.0% | +47.4% | UVE 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.