HRTG
Price
$28.98
Change
-$0.79 (-2.65%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
920.54M
62 days until earnings call
Intraday BUY SELL Signals
UVE
Price
$33.81
Change
-$0.72 (-2.09%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
968.53M
54 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$28.98
Change-$0.79 (-2.65%)
Volume$1.18K
Capitalization920.54M
Universal Insurance
Price$33.81
Change-$0.72 (-2.09%)
Volume$844
Capitalization968.53M
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 27, 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 Buy and UVE is a Buy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (HRTG: $29.78 vs. UVE: $34.53)
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: 23% vs. UVE: 60%
Market capitalization -- HRTG: $920.54M vs. UVE: $968.53M
HRTG [@Property/Casualty Insurance] is valued at $920.54M. UVE’s [@Property/Casualty Insurance] market capitalization is $968.53M. The market cap for tickers in the [@Property/Casualty Insurance] industry ranges from $133.45B to $0. The average market capitalization across the [@Property/Casualty Insurance] industry is $18.24B.

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

  • HRTG’s TA Score: 4 bullish, 2 bearish.
  • UVE’s TA Score: 3 bullish, 5 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 +1.15% price change this week, while UVE (@Property/Casualty Insurance) price change was +4.60% for the same time period.

The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was -0.12%. For the same industry, the average monthly price growth was +0.75%, and the average quarterly price growth was +5.65%.

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 (-0.12% 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($969M) has a higher market cap than HRTG($921M). UVE has higher P/E ratio than HRTG: UVE (8.14) vs HRTG (6.17). HRTG YTD gains are higher at: 146.116 vs. UVE (67.376). HRTG has more cash in the bank: 666M vs. UVE (572M). UVE (101M) and HRTG (102M) have identical debt. UVE has higher revenues than HRTG: UVE (1.58B) vs HRTG (842M).
HRTGUVEHRTG / UVE
Capitalization921M969M95%
EBITDAN/AN/A-
Gain YTD146.11667.376217%
P/E Ratio6.178.1476%
Revenue842M1.58B53%
Total Cash666M572M116%
Total Debt102M101M101%
FUNDAMENTALS RATINGS
HRTG vs UVE: Fundamental Ratings
HRTG
UVE
OUTLOOK RATING
1..100
249
VALUATION
overvalued / fair valued / undervalued
1..100
49
Fair valued
40
Fair valued
PROFIT vs RISK RATING
1..100
2214
SMR RATING
1..100
2236
PRICE GROWTH RATING
1..100
3840
P/E GROWTH RATING
1..100
2254
SEASONALITY SCORE
1..100
n/a50

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 (49). 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 (22). This means that UVE’s stock grew similarly to HRTG’s over the last 12 months.

HRTG's SMR Rating (22) in the Property Or Casualty Insurance industry is in the same range as UVE (36). This means that HRTG’s stock grew similarly to UVE’s over the last 12 months.

HRTG's Price Growth Rating (38) 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 (22) 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.

TECHNICAL ANALYSIS
Technical Analysis
HRTGUVE
RSI
ODDS (%)
N/A
Bearish Trend 3 days ago
49%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
88%
Bearish Trend 3 days ago
57%
Momentum
ODDS (%)
Bullish Trend 3 days ago
75%
Bullish Trend 3 days ago
74%
MACD
ODDS (%)
Bullish Trend 3 days ago
85%
Bullish Trend 3 days ago
77%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
79%
Bullish Trend 3 days ago
74%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
75%
Bullish Trend 3 days ago
69%
Advances
ODDS (%)
Bullish Trend 4 days ago
79%
Bullish Trend 4 days ago
74%
Declines
ODDS (%)
Bearish Trend 24 days ago
83%
Bearish Trend 22 days ago
57%
BollingerBands
ODDS (%)
N/A
Bearish Trend 3 days ago
60%
Aroon
ODDS (%)
Bullish Trend 3 days ago
67%
Bearish Trend 3 days ago
50%
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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 45% 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%
-1.29%
UVE - HRTG
45%
Loosely correlated
-1.54%
SKWD - HRTG
44%
Loosely correlated
-0.50%
ALL - HRTG
37%
Loosely correlated
-0.24%
WRB - HRTG
37%
Loosely correlated
+0.58%
HIG - HRTG
36%
Loosely correlated
+0.46%
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 54% 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%
-1.54%
CINF - UVE
54%
Loosely correlated
+0.05%
BOW - UVE
53%
Loosely correlated
-0.35%
TRV - UVE
53%
Loosely correlated
+0.47%
HIG - UVE
52%
Loosely correlated
+0.46%
SKWD - UVE
51%
Loosely correlated
-0.50%
More