Heritage Insurance Hldgs Inc (HRTG)vsThe Travelers Companies Inc (TRV)
HRTG
Heritage Insurance Hldgs Inc
$26.41
-0.90%
FINANCIAL SERVICES · Cap: $792.88M
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 5663% more annual revenue ($48.83B vs $847.33M). HRTG leads profitability with a 23.1% profit margin vs 12.9%. HRTG trades at a lower P/E of 4.1x. HRTG earns a higher WallStSmart Score of 74/100 (B).
HRTG
Strong Buy74
out of 100
Grade: B
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+91.4%
Fair Value
$295.78
Current Price
$26.41
$269.37 discount
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 49 in profit
Strong operational efficiency at 41.6%
Keeps 23 of every $100 in revenue as profit
Reasonable price relative to book value
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
2.4% revenue growth
2.3% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 23.1% and operating margin at 41.6%.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, EPS Growth, Market Cap.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
HRTG carries more volatility with a beta of 0.93 — expect wider price swings.
TRV is growing revenue faster at 3.5% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HRTG scores higher overall (74/100 vs 71/100), backed by strong 23.1% margins. TRV offers better value entry with a 75.4% margin of safety. 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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