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HRTG vs V

HRTG
Heritage Insurance Holdings, Inc.
NEUTRAL
Price
$29.90
Market Cap
$918.6M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
HRTG
4.73
V
28.35
Forward P/E
HRTG
6.08
V
20.79
P/B Ratio
HRTG
1.74
V
15.09
P/S Ratio
HRTG
1.08
V
14.08
EV/EBITDA
HRTG
1.48
V
20.06

Profitability

Gross Margin
HRTG
42.5%
V
97.78%
Operating Margin
HRTG
41.65%
V
68.3%
Profit Margin
HRTG
23.08%
V
50.23%
ROE
HRTG
49.14%
V
53.95%
ROA
HRTG
7.16%
V
18.36%

Growth

Revenue Growth
HRTG
2.4%
V
14.6%
Earnings Growth
HRTG
226.0%
V
17.4%

Financial Health

Debt/Equity
HRTG
0.2
V
0.55
Current Ratio
HRTG
0.83
V
1.11
Quick Ratio
HRTG
0.42
V
0.72

Dividends

Dividend Yield
HRTG
--
V
0.89%
Payout Ratio
HRTG
0.0%
V
22.91%

AI Verdict

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
V BULLISH

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

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

HRTG vs V: Head-to-Head Comparison

This page compares Heritage Insurance Holdings, Inc. (HRTG) and Visa Inc. (V) 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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