COMP <GO>
HRTG vs DGICB // ALTMAN Z-SCORE & DEBT/EQUITY
Heritage Insurance Holdings Inc. (NYSE) VS. Donegal Group Inc. (Class B) (NASDAQ) • 15-METRIC TALLY: HRTG 7
— DGICB 2
■ METRIC PARITY
LAST: $35.94 (+0.84%) • MKT CAP: $1.07B
balance-sheet
—
LAST: $22.87 (-7.84%) • MKT CAP: $848.9M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HRTG VS. DGICB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HRTG | DGICB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 12.40% | +72.60 | HRTG | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 16.21% | 7.98% | +8.23 | HRTG | /fcf-yield <GO> |
| Operating Margin | 31.50% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 23.10% | 8.10% | +15.00 | HRTG | /net-margins <GO> |
| Revenue Growth (YoY) | 3.70% | -1.20% | +4.90 | HRTG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.92% | -2.92 | DGICB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | HRTG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.4 | 53.2 | -0.80 | DGICB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.1x | 10.3x | -5.20 | HRTG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.07B | $848.9M | $219.7M | HRTG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HRTG REV | DGICB REV | HRTG GROSS % | DGICB GROSS % | HRTG FCF | DGICB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $847.3M | $978.0M | — | — | $174.2M | $70.2M |
| FY 2024 | $817.0M | $989.6M | — | — | $78.9M | $67.4M |
| FY 2023 | $735.5M | $927.3M | — | — | $70.4M | $28.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HRTG // BETA —
DGICB // BETA —