Heritage Insurance Hldgs Inc (HRTG)vsThe Travelers Companies Inc (TRV)
HRTG
Heritage Insurance Hldgs Inc
$36.14
+4.06%
FINANCIAL SERVICES · Cap: $1.12B
TRV
The Travelers Companies Inc
$394.01
-0.76%
FINANCIAL SERVICES · Cap: $81.25B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 5624% more annual revenue ($48.92B vs $854.63M). HRTG leads profitability with a 25.2% profit margin vs 17.0%. HRTG trades at a lower P/E of 5.4x. HRTG earns a higher WallStSmart Score of 72/100 (B).
HRTG
Strong Buy72
out of 100
Grade: B
TRV
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Strong operational efficiency at 39.2%
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
3.0% revenue growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.5%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 25.2% and operating margin at 39.2%.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, Market Cap, Altman Z-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
HRTG profiles as a value stock while TRV is a declining play — different risk/reward profiles.
HRTG carries more volatility with a beta of 0.92 — expect wider price swings.
HRTG is growing revenue faster at 3.0% — sustainability is the question.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
HRTG scores higher overall (72/100 vs 66/100), backed by strong 25.2% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Heritage Insurance Hldgs Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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