Heritage Insurance Hldgs Inc (HRTG)vsThe Travelers Companies Inc (TRV)
HRTG
Heritage Insurance Hldgs Inc
$20.88
-1.51%
FINANCIAL SERVICES · Cap: $670.86M
TRV
The Travelers Companies Inc
$303.25
+3.35%
FINANCIAL SERVICES · Cap: $62.06B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 5668% more annual revenue ($48.94B vs $848.47M). HRTG leads profitability with a 23.8% profit margin vs 15.5%. HRTG trades at a lower P/E of 3.4x. TRV earns a higher WallStSmart Score of 74/100 (B).
HRTG
Strong Buy70
out of 100
Grade: B
TRV
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 39 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 23.9%
Attractively priced relative to earnings
Earnings expanding 357.6% YoY
Large-cap with strong market position
Every $100 of equity generates 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
0.5% revenue growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
1.0% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HRTG
The strongest argument for HRTG centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 23.8% and operating margin at 23.9%.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 15.5% and operating margin at 18.7%.
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 carries more volatility with a beta of 0.92 — expect wider price swings.
TRV is growing revenue faster at 1.0% — sustainability is the question.
TRV generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (74/100 vs 70/100), backed by strong 15.5% 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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