COMP <GO>
HRTG vs JPM // EV/EBITDA & P/E VALUATION
Heritage Insurance Holdings Inc. (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: HRTG 4
— JPM 6
■ METRIC PARITY
LAST: $36.14 (+4.06%) • MKT CAP: $1.07B
valuation
—
LAST: $343.58 (+1.26%) • MKT CAP: $913.30B
valuation
9.7x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HRTG VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HRTG | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 17.37% | +67.63 | HRTG | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 9.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 16.21% | -18.14% | +34.35 | HRTG | /fcf-yield <GO> |
| Operating Margin | 31.50% | 42.07% | -10.57 | JPM | /operating-margins <GO> |
| Net Profit Margin | 23.10% | 32.63% | -9.53 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 3.70% | 13.53% | -9.83 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.96% | -1.96 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 2/9 | +3.00 | HRTG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.9 | 55.1 | -4.21 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.00 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.1x | 13.6x | -8.47 | HRTG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.07B | $913.30B | -$912.23B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HRTG REV | JPM REV | HRTG GROSS % | JPM GROSS % | HRTG FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $847.3M | $182.45B | — | — | $174.2M | -$147.78B |
| FY 2024 | $817.0M | $177.56B | — | — | $78.9M | -$42.01B |
| FY 2023 | $735.5M | $158.10B | — | — | $70.4M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HRTG // BETA —
JPM // BETA 1.00