COMP <GO>
HRTG vs MS // NET PROFIT MARGIN
Heritage Insurance Holdings Inc. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: HRTG 6
— MS 3
▲ NET PROFIT MARGIN LEADER: HRTG
LAST: $35.64 (-1.38%) • MKT CAP: $1.07B
net-margins
23.10%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
net-margins
20.20%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HRTG VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HRTG | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 3.00% | +82.00 | HRTG | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 16.21% | -7.25% | +23.46 | HRTG | /fcf-yield <GO> |
| Operating Margin | 31.50% | 24.60% | +6.90 | HRTG | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 23.10% | 20.20% | +2.90 | HRTG | /net-margins <GO> |
| Revenue Growth (YoY) | 3.70% | 5.50% | -1.80 | MS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.8 | 51.0 | +2.80 | HRTG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.1x | 16.5x | -11.40 | HRTG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.07B | $298.41B | -$297.33B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HRTG REV | MS REV | HRTG GROSS % | MS GROSS % | HRTG FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $847.3M | $0 | — | — | $174.2M | -$17.89B |
| FY 2024 | $817.0M | $0 | — | — | $78.9M | $1.36B |
| FY 2023 | $735.5M | $0 | — | — | $70.4M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HRTG // BETA —
MS // BETA 1.04