Heritage Insurance (HRTG) vs Root (ROOT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Heritage Insurance (HRTG) has outperformed Root (ROOT) over the past year, gaining 36.3% versus a loss of 41.7%. Over five years, HRTG leads with a +401.3% price change compared with -47.8% for ROOT. Heritage Insurance is the larger company by market cap ($1.05 billion vs $752.4 million), about 1.4 times the size.
On valuation, Heritage Insurance trades at a lower forward P/E (6.8x vs 17.2x for Root).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | HRTG | ROOT |
|---|---|---|
| Share price | $35.23 | $48.56 |
| Market cap | $1.05B | $752.35M |
| 1-day change | +2.00% | +1.72% |
| YTD return | +18.05% | -33.91% |
| 1-year return | +36.25% | -41.67% |
| 5-year return | +401.31% | -47.79% |
| P/E ratio (TTM) | 5.03 | 13.72 |
| Forward P/E | 6.80 | 17.22 |
| EPS (TTM) | $7.01 | $3.54 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $36.50 | $91.00 |
| 52-week low | $20.48 | $40.91 |
| Distance from 52-week high | -3.48% | -46.64% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +10.70% | +21.91% |
| Average volume | 292.26K | 228.18K |
| Shares outstanding | 29.73M | 13.69M |
| Employees | 542 | 1,256 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- HRTG has outperformed ROOT by 77.9 percentage points over the past year.
- Root trades at a higher earnings multiple (13.7x vs 5.0x trailing P/E).
About Heritage Insurance
HRTG stock →Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York.
Finance · Property-Casualty Insurers · 542 employees
About Root
ROOT stock →Root, Inc. provides insurance products and services in the United States.
Finance · Property-Casualty Insurers · 1,256 employees
HRTG vs ROOT FAQ
Which is bigger, Heritage Insurance or Root?
Heritage Insurance (HRTG) is larger, with a market capitalization of $1.05B compared with $752.35M for Root (ROOT).
Which stock has performed better over the past year, HRTG or ROOT?
HRTG returned +36.25% over the past 12 months, compared with -41.67% for ROOT (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HRTG or ROOT?
HRTG has the lower trailing P/E at 5.0, versus 13.7 for ROOT. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Heritage Insurance and Root in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.