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CHY vs HRTG

CHY
Calamos Convertible and High Income Fund
BULLISH
Price
$11.40
Market Cap
$912.3M
Sector
Financial Services
AI Confidence
70%
HRTG
Heritage Insurance Holdings, Inc.
NEUTRAL
Price
$29.90
Market Cap
$918.6M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CHY
4.87
HRTG
4.73
Forward P/E
CHY
--
HRTG
6.08
P/B Ratio
CHY
0.97
HRTG
1.74
P/S Ratio
CHY
41.76
HRTG
1.08
EV/EBITDA
CHY
--
HRTG
1.48

Profitability

Gross Margin
CHY
100.0%
HRTG
42.5%
Operating Margin
CHY
38.65%
HRTG
41.65%
Profit Margin
CHY
851.23%
HRTG
23.08%
ROE
CHY
21.11%
HRTG
49.14%
ROA
CHY
0.49%
HRTG
7.16%

Growth

Revenue Growth
CHY
-28.5%
HRTG
2.4%
Earnings Growth
CHY
174.0%
HRTG
226.0%

Financial Health

Debt/Equity
CHY
0.5
HRTG
0.2
Current Ratio
CHY
5.05
HRTG
0.83
Quick Ratio
CHY
0.91
HRTG
0.42

Dividends

Dividend Yield
CHY
10.66%
HRTG
--
Payout Ratio
CHY
51.28%
HRTG
0.0%

AI Verdict

CHY BULLISH

CHY shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 4.9
Undervalued vs Graham Number ($25.06)
Strong profitability (851.2% margin)
Risks
Declining revenue (-28.5%)
HRTG NEUTRAL

HRTG presents a stark contradiction between extreme valuation attractiveness and deteriorating fundamental health, evidenced by a weak Piotroski F-Score of 3/9. While the stock trades at a very low P/E of 4.73 and well below its Graham Number ($49.47), the combination of heavy insider selling and a low current ratio (0.83) suggests significant underlying risk. Explosive earnings growth is not currently supported by organic revenue growth (2.40%), indicating potential non-recurring gains or aggressive accounting. The technical trend is heavily bearish, offsetting the bullish analyst recommendations.

Strengths
Extremely low P/E ratio (4.73) relative to sector averages
Exceptional Return on Equity (ROE) of 49.14%
Strong recent earnings track record with significant beats
Risks
Weak Piotroski F-Score (3/9) indicating poor fundamental health
Aggressive insider selling (15 sell transactions, 0 buys)
Liquidity concerns with a Current Ratio of 0.83 and Quick Ratio of 0.42

Compare Another Pair

CHY vs HRTG: Head-to-Head Comparison

This page compares Calamos Convertible and High Income Fund (CHY) and Heritage Insurance Holdings, Inc. (HRTG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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