COMP <GO>
HRTG vs IGIC // PIOTROSKI F-SCORE QUALITY
Heritage Insurance Holdings Inc. (NYSE) VS. International General Insurance Holdings Ltd. Ordinary Share (NASDAQ) • 15-METRIC TALLY: HRTG 7
— IGIC 2
▲ PIOTROSKI F-SCORE QUALITY LEADER: HRTG
LAST: $36.14 (+4.06%) • MKT CAP: $1.07B
piotroski-score
5/9
LAST: $24.67 (+1.69%) • MKT CAP: $1.06B
piotroski-score
3/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HRTG VS. IGIC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HRTG | IGIC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 17.90% | +67.10 | HRTG | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 16.21% | 10.23% | +5.98 | HRTG | /fcf-yield <GO> |
| Operating Margin | 31.50% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 23.10% | 24.60% | -1.50 | IGIC | /net-margins <GO> |
| Revenue Growth (YoY) | 3.70% | -4.10% | +7.80 | HRTG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 4.37% | -4.37 | IGIC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 5/9 | 3/9 | +2.00 | HRTG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.9 | 43.1 | +7.79 | HRTG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.1x | 7.7x | -2.60 | HRTG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.07B | $1.06B | $17.6M | HRTG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HRTG REV | IGIC REV | HRTG GROSS % | IGIC GROSS % | HRTG FCF | IGIC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $847.3M | $516.9M | — | — | $174.2M | $108.1M |
| FY 2024 | $817.0M | $539.0M | — | — | $78.9M | $209.5M |
| FY 2023 | $735.5M | $499.2M | — | — | $70.4M | $196.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HRTG // BETA —
IGIC // BETA —