HRTG
Price
$28.31
Change
-$0.89 (-3.05%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
876.03M
98 days until earnings call
Intraday BUY SELL Signals
UVE
Price
$33.58
Change
-$0.21 (-0.62%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
941.32M
92 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$28.31
Change-$0.89 (-3.05%)
Volume$1.13K
Capitalization876.03M
Universal Insurance
Price$33.58
Change-$0.21 (-0.62%)
Volume$881
Capitalization941.32M
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
Nov 20, 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 Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (HRTG: $29.20 vs. UVE: $33.79)
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: 92% vs. UVE: 61%
Market capitalization -- HRTG: $876.03M vs. UVE: $941.32M
HRTG [@Property/Casualty Insurance] is valued at $876.03M. UVE’s [@Property/Casualty Insurance] market capitalization is $941.32M. The market cap for tickers in the [@Property/Casualty Insurance] industry ranges from $130.73B to $0. The average market capitalization across the [@Property/Casualty Insurance] industry is $17.6B.

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, 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 -1.12% price change this week, while UVE (@Property/Casualty Insurance) price change was -3.40% for the same time period.

The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was -1.19%. For the same industry, the average monthly price growth was +1.80%, and the average quarterly price growth was +7.61%.

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 (-1.19% 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($941M) has a higher market cap than HRTG($876M). UVE has higher P/E ratio than HRTG: UVE (7.92) vs HRTG (6.05). HRTG YTD gains are higher at: 141.322 vs. UVE (63.789). UVE (572M) and HRTG (571M) 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 (1.58B) vs HRTG (842M).
HRTGUVEHRTG / UVE
Capitalization876M941M93%
EBITDAN/AN/A-
Gain YTD141.32263.789222%
P/E Ratio6.057.9276%
Revenue842M1.58B53%
Total Cash571M572M100%
Total Debt115M101M114%
FUNDAMENTALS RATINGS
HRTG vs UVE: Fundamental Ratings
HRTG
UVE
OUTLOOK RATING
1..100
2321
VALUATION
overvalued / fair valued / undervalued
1..100
50
Fair valued
41
Fair valued
PROFIT vs RISK RATING
1..100
2414
SMR RATING
1..100
2936
PRICE GROWTH RATING
1..100
3638
P/E GROWTH RATING
1..100
2055
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 (41) 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 (24). This means that UVE’s stock grew similarly to HRTG’s over the last 12 months.

HRTG's SMR Rating (29) 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 (36) in the Property Or Casualty Insurance industry is in the same range as UVE (38). This means that HRTG’s stock grew similarly to UVE’s over the last 12 months.

HRTG's P/E Growth Rating (20) in the Property Or Casualty Insurance industry is somewhat better than the same rating for UVE (55). 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 2 days ago
85%
Bearish Trend 2 days ago
46%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
89%
Bearish Trend 2 days ago
51%
Momentum
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 2 days ago
73%
MACD
ODDS (%)
Bullish Trend 2 days ago
76%
Bearish Trend 2 days ago
58%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
80%
Bearish Trend 2 days ago
56%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
74%
Bullish Trend 2 days ago
70%
Advances
ODDS (%)
Bullish Trend 6 days ago
79%
Bullish Trend 9 days ago
74%
Declines
ODDS (%)
Bearish Trend 2 days ago
84%
Bearish Trend 2 days ago
58%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
80%
Bearish Trend 2 days ago
44%
Aroon
ODDS (%)
Bearish Trend 2 days ago
78%
Bullish Trend 2 days ago
75%
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HRTG
Daily Signal:
Gain/Loss:
UVE
Daily Signal:
Gain/Loss:
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