COMP <GO>
HRTG vs BAC // EV/EBITDA & P/E VALUATION
Heritage Insurance Holdings Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: HRTG 4
— BAC 5
■ METRIC PARITY
LAST: $36.14 (+4.06%) • MKT CAP: $1.07B
valuation
—
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
valuation
30.2x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HRTG VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HRTG | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 2.50% | +82.50 | HRTG | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 16.21% | 2.10% | +14.11 | HRTG | /fcf-yield <GO> |
| Operating Margin | 31.50% | 32.90% | -1.40 | BAC | /operating-margins <GO> |
| Net Profit Margin | 23.10% | 27.00% | -3.90 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 3.70% | 6.80% | -3.10 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 7/9 | -2.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.9 | 38.3 | +12.59 | HRTG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.1x | 10.9x | -5.80 | HRTG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.07B | $357.61B | -$356.53B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HRTG REV | BAC REV | HRTG GROSS % | BAC GROSS % | HRTG FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $847.3M | $113.10B | — | — | $174.2M | $7.52B |
| FY 2024 | $817.0M | $105.86B | — | — | $78.9M | -$13.57B |
| FY 2023 | $735.5M | $102.77B | — | — | $70.4M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HRTG // BETA —
BAC // BETA 0.90