HRTG
Price
$24.86
Change
+$0.92 (+3.84%)
Updated
Sep 26 closing price
Capitalization
771.1M
44 days until earnings call
UVE
Price
$26.11
Change
+$0.59 (+2.31%)
Updated
Sep 26 closing price
Capitalization
739.4M
25 days until earnings call
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HRTG vs UVE

Header iconHRTG vs UVE Comparison
Open Charts HRTG vs UVEBanner chart's image
Heritage Insurance Holdings
Price$24.86
Change+$0.92 (+3.84%)
Volume$423.47K
Capitalization771.1M
Universal Insurance
Price$26.11
Change+$0.59 (+2.31%)
Volume$180.47K
Capitalization739.4M
HRTG vs UVE Comparison Chart in %
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HRTG
Daily Signalchanged days ago
Gain/Loss if bought
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UVE
Daily Signalchanged days ago
Gain/Loss if bought
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HRTG vs. UVE commentary
Sep 28, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HRTG is a StrongBuy and UVE is a StrongBuy.

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COMPARISON
Comparison
Sep 28, 2025
Stock price -- (HRTG: $24.86 vs. UVE: $26.11)
Brand notoriety: HRTG and UVE are both not notable
Both companies represent the Property/Casualty Insurance industry
Current volume relative to the 65-day Moving Average: HRTG: 88% vs. UVE: 95%
Market capitalization -- HRTG: $771.1M vs. UVE: $739.4M
HRTG [@Property/Casualty Insurance] is valued at $771.1M. UVE’s [@Property/Casualty Insurance] market capitalization is $739.4M. The market cap for tickers in the [@Property/Casualty Insurance] industry ranges from $142.78B to $0. The average market capitalization across the [@Property/Casualty Insurance] industry is $17.57B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

HRTG’s FA Score shows that 1 FA rating(s) are green whileUVE’s FA Score has 1 green FA rating(s).

  • HRTG’s FA Score: 1 green, 4 red.
  • UVE’s FA Score: 1 green, 4 red.
According to our system of comparison, UVE is a better buy in the long-term than HRTG.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

HRTG’s TA Score shows that 6 TA indicator(s) are bullish while UVE’s TA Score has 5 bullish TA indicator(s).

  • HRTG’s TA Score: 6 bullish, 4 bearish.
  • UVE’s TA Score: 5 bullish, 3 bearish.
According to our system of comparison, HRTG is a better buy in the short-term than UVE.

Price Growth

HRTG (@Property/Casualty Insurance) experienced а -12.46% price change this week, while UVE (@Property/Casualty Insurance) price change was +1.95% for the same time period.

The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was -1.02%. For the same industry, the average monthly price growth was +1.42%, and the average quarterly price growth was +9.03%.

Reported Earning Dates

HRTG is expected to report earnings on Nov 11, 2025.

UVE is expected to report earnings on Oct 23, 2025.

Industries' Descriptions

@Property/Casualty Insurance (-1.02% weekly)

Property and casualty companies insure against accidents of non-physical harm, such as lawsuits, damage to personal assets, car crashes and more. Progressive Corporation, Travelers Companies, Inc. and Allstate Corporation are some of the biggest providers of such products.

SUMMARIES
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FUNDAMENTALS
Fundamentals
HRTG($771M) and UVE($739M) have the same market capitalization . UVE has higher P/E ratio than HRTG: UVE (11.35) vs HRTG (7.16). HRTG YTD gains are higher at: 105.455 vs. UVE (26.553). HRTG (571M) and UVE (563M) have equal amount of cash in the bank . UVE has less debt than HRTG: UVE (101M) vs HRTG (115M). UVE has higher revenues than HRTG: UVE (1.57B) vs HRTG (842M).
HRTGUVEHRTG / UVE
Capitalization771M739M104%
EBITDAN/AN/A-
Gain YTD105.45526.553397%
P/E Ratio7.1611.3563%
Revenue842M1.57B54%
Total Cash571M563M101%
Total Debt115M101M114%
FUNDAMENTALS RATINGS
HRTG vs UVE: Fundamental Ratings
HRTG
UVE
OUTLOOK RATING
1..100
3793
VALUATION
overvalued / fair valued / undervalued
1..100
59
Fair valued
39
Fair valued
PROFIT vs RISK RATING
1..100
4036
SMR RATING
1..100
3054
PRICE GROWTH RATING
1..100
4050
P/E GROWTH RATING
1..100
6116
SEASONALITY SCORE
1..100
22n/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

UVE's Valuation (39) in the Property Or Casualty Insurance industry is in the same range as HRTG (59). This means that UVE’s stock grew similarly to HRTG’s over the last 12 months.

UVE's Profit vs Risk Rating (36) in the Property Or Casualty Insurance industry is in the same range as HRTG (40). This means that UVE’s stock grew similarly to HRTG’s over the last 12 months.

HRTG's SMR Rating (30) in the Property Or Casualty Insurance industry is in the same range as UVE (54). This means that HRTG’s stock grew similarly to UVE’s over the last 12 months.

HRTG's Price Growth Rating (40) in the Property Or Casualty Insurance industry is in the same range as UVE (50). This means that HRTG’s stock grew similarly to UVE’s over the last 12 months.

UVE's P/E Growth Rating (16) in the Property Or Casualty Insurance industry is somewhat better than the same rating for HRTG (61). This means that UVE’s stock grew somewhat faster than HRTG’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HRTGUVE
RSI
ODDS (%)
Bearish Trend 3 days ago
87%
N/A
Stochastic
ODDS (%)
Bullish Trend 3 days ago
73%
Bearish Trend 3 days ago
51%
Momentum
ODDS (%)
Bullish Trend 7 days ago
83%
Bullish Trend 3 days ago
81%
MACD
ODDS (%)
Bearish Trend 3 days ago
82%
N/A
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
81%
Bullish Trend 3 days ago
73%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
73%
Bullish Trend 3 days ago
69%
Advances
ODDS (%)
Bullish Trend 10 days ago
78%
Bullish Trend 3 days ago
74%
Declines
ODDS (%)
Bearish Trend 4 days ago
84%
Bearish Trend 5 days ago
59%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
85%
Bearish Trend 3 days ago
51%
Aroon
ODDS (%)
Bullish Trend 3 days ago
71%
Bullish Trend 3 days ago
74%
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HRTG
Daily Signalchanged days ago
Gain/Loss if bought
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UVE
Daily Signalchanged days ago
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HRTG and

Correlation & Price change

A.I.dvisor indicates that over the last year, HRTG has been loosely correlated with UVE. These tickers have moved in lockstep 54% of the time. This A.I.-generated data suggests there is some statistical probability that if HRTG jumps, then UVE could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HRTG
1D Price
Change %
HRTG100%
+3.84%
UVE - HRTG
54%
Loosely correlated
+2.31%
HCI - HRTG
42%
Loosely correlated
+3.95%
SKWD - HRTG
38%
Loosely correlated
+0.62%
ACIC - HRTG
38%
Loosely correlated
+2.30%
HMN - HRTG
37%
Loosely correlated
+0.93%
More

UVE and

Correlation & Price change

A.I.dvisor indicates that over the last year, UVE has been loosely correlated with HCI. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if UVE jumps, then HCI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UVE
1D Price
Change %
UVE100%
+2.31%
HCI - UVE
63%
Loosely correlated
+3.95%
HRTG - UVE
54%
Loosely correlated
+3.84%
TRV - UVE
54%
Loosely correlated
+1.29%
HIG - UVE
53%
Loosely correlated
+1.17%
CINF - UVE
53%
Loosely correlated
+1.61%
More