HRTG
Price
$28.15
Change
-$0.05 (-0.18%)
Updated
Dec 3 closing price
Capitalization
870.16M
84 days until earnings call
Intraday BUY SELL Signals
UVE
Price
$32.62
Change
+$0.01 (+0.03%)
Updated
Dec 3 closing price
Capitalization
914.95M
77 days until earnings call
Intraday BUY SELL Signals
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HRTG vs UVE

Header iconHRTG vs UVE Comparison
Open Charts HRTG vs UVEBanner chart's image
Heritage Insurance Holdings
Price$28.15
Change-$0.05 (-0.18%)
Volume$440.21K
Capitalization870.16M
Universal Insurance
Price$32.62
Change+$0.01 (+0.03%)
Volume$104.03K
Capitalization914.95M
HRTG vs UVE Comparison Chart in %
HRTG
Daily Signal:
Gain/Loss:
UVE
Daily Signal:
Gain/Loss:
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VS
HRTG vs. UVE commentary
Dec 04, 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 Hold and UVE is a Buy.

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COMPARISON
Comparison
Dec 04, 2025
Stock price -- (HRTG: $28.19 vs. UVE: $32.64)
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: 8% vs. UVE: 19%
Market capitalization -- HRTG: $870.16M vs. UVE: $914.95M
HRTG [@Property/Casualty Insurance] is valued at $870.16M. UVE’s [@Property/Casualty Insurance] market capitalization is $914.95M. The market cap for tickers in the [@Property/Casualty Insurance] industry ranges from $133.2B to $0. The average market capitalization across the [@Property/Casualty Insurance] industry is $17.54B.

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 3 FA rating(s) are green whileUVE’s FA Score has 1 green FA rating(s).

  • HRTG’s FA Score: 3 green, 2 red.
  • UVE’s FA Score: 1 green, 4 red.
According to our system of comparison, HRTG is a better buy in the long-term than UVE.

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 5 TA indicator(s) are bullish while UVE’s TA Score has 3 bullish TA indicator(s).

  • HRTG’s TA Score: 5 bullish, 5 bearish.
  • UVE’s TA Score: 3 bullish, 4 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 -2.19% price change this week, while UVE (@Property/Casualty Insurance) price change was -1.88% for the same time period.

The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was -1.66%. For the same industry, the average monthly price growth was +3.07%, and the average quarterly price growth was +3.90%.

Reported Earning Dates

HRTG is expected to report earnings on Feb 26, 2026.

UVE is expected to report earnings on Feb 19, 2026.

Industries' Descriptions

@Property/Casualty Insurance (-1.66% 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
UVE($915M) has a higher market cap than HRTG($870M). UVE has higher P/E ratio than HRTG: UVE (7.69) vs HRTG (5.83). HRTG YTD gains are higher at: 132.975 vs. UVE (58.195). 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
Capitalization870M915M95%
EBITDAN/AN/A-
Gain YTD132.97558.195228%
P/E Ratio5.837.6976%
Revenue842M1.57B54%
Total Cash571M563M101%
Total Debt115M101M114%
FUNDAMENTALS RATINGS
HRTG vs UVE: Fundamental Ratings
HRTG
UVE
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
50
Fair valued
40
Fair valued
PROFIT vs RISK RATING
1..100
2314
SMR RATING
1..100
3054
PRICE GROWTH RATING
1..100
3740
P/E GROWTH RATING
1..100
2161
SEASONALITY SCORE
1..100
5050

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

UVE's Profit vs Risk Rating (14) in the Property Or Casualty Insurance industry is in the same range as HRTG (23). 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 (37) in the Property Or Casualty Insurance industry is in the same range as UVE (40). This means that HRTG’s stock grew similarly to UVE’s over the last 12 months.

HRTG's P/E Growth Rating (21) in the Property Or Casualty Insurance industry is somewhat better than the same rating for UVE (61). This means that HRTG’s stock grew somewhat faster than UVE’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
HRTGUVE
RSI
ODDS (%)
Bearish Trend 7 days ago
79%
Bearish Trend 7 days ago
63%
Stochastic
ODDS (%)
Bullish Trend 7 days ago
74%
Bullish Trend 7 days ago
73%
Momentum
ODDS (%)
Bearish Trend 7 days ago
79%
Bearish Trend 7 days ago
62%
MACD
ODDS (%)
Bearish Trend 7 days ago
85%
Bearish Trend 7 days ago
69%
TrendWeek
ODDS (%)
Bullish Trend 7 days ago
80%
Bullish Trend 7 days ago
75%
TrendMonth
ODDS (%)
Bullish Trend 7 days ago
74%
Bullish Trend 7 days ago
70%
Advances
ODDS (%)
Bullish Trend 10 days ago
79%
Bullish Trend 24 days ago
74%
Declines
ODDS (%)
Bearish Trend 15 days ago
84%
Bearish Trend 10 days ago
58%
BollingerBands
ODDS (%)
Bearish Trend 7 days ago
78%
N/A
Aroon
ODDS (%)
Bullish Trend 7 days ago
72%
Bullish Trend 7 days ago
72%
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HRTG
Daily Signal:
Gain/Loss:
UVE
Daily Signal:
Gain/Loss:
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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 44% 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%
-1.33%
UVE - HRTG
44%
Loosely correlated
-0.38%
SKWD - HRTG
44%
Loosely correlated
-2.18%
HIG - HRTG
38%
Loosely correlated
-0.30%
ALL - HRTG
36%
Loosely correlated
-0.53%
TRV - HRTG
36%
Loosely correlated
-0.66%
More

UVE and

Correlation & Price change

A.I.dvisor indicates that over the last year, UVE has been loosely correlated with CINF. These tickers have moved in lockstep 55% of the time. This A.I.-generated data suggests there is some statistical probability that if UVE jumps, then CINF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UVE
1D Price
Change %
UVE100%
-0.38%
CINF - UVE
55%
Loosely correlated
-1.39%
TRV - UVE
54%
Loosely correlated
-0.66%
HIG - UVE
53%
Loosely correlated
-0.30%
THG - UVE
52%
Loosely correlated
-0.76%
BOW - UVE
51%
Loosely correlated
-0.59%
More