COMP <GO>
IGIC vs HRTG // 10Y YIELD & FRED MACRO BETA
International General Insurance Holdings Ltd. Ordinary Share (NASDAQ) VS. Heritage Insurance Holdings Inc. (NYSE) • 15-METRIC TALLY: IGIC 2
— HRTG 7
■ METRIC PARITY
LAST: $24.67 (+1.69%) • MKT CAP: $1.06B
macro-sensitivity
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LAST: $36.14 (+4.06%) • MKT CAP: $1.07B
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (IGIC VS. HRTG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | IGIC | HRTG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.90% | 85.00% | -67.10 | HRTG | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 10.23% | 16.21% | -5.98 | HRTG | /fcf-yield <GO> |
| Operating Margin | — | 31.50% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 24.60% | 23.10% | +1.50 | IGIC | /net-margins <GO> |
| Revenue Growth (YoY) | -4.10% | 3.70% | -7.80 | HRTG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.37% | 0.00% | +4.37 | IGIC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 5/9 | -2.00 | HRTG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.2 | 53.8 | -5.60 | HRTG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.7x | 5.1x | +2.60 | HRTG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.06B | $1.07B | -$17.6M | HRTG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | IGIC REV | HRTG REV | IGIC GROSS % | HRTG GROSS % | IGIC FCF | HRTG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $516.9M | $847.3M | — | — | $108.1M | $174.2M |
| FY 2024 | $539.0M | $817.0M | — | — | $209.5M | $78.9M |
| FY 2023 | $499.2M | $735.5M | — | — | $196.6M | $70.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
IGIC // BETA —
HRTG // BETA —