Heritage Insurance (HRTG) vs United Fire Group (UFCS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
United Fire Group (UFCS) has outperformed Heritage Insurance (HRTG) over the past year, gaining 81.5% versus a gain of 35.9%. Over five years, HRTG leads with a +411.3% price change compared with +150.1% for UFCS. United Fire Group is the larger company by market cap ($1.45 billion vs $1.05 billion), about 1.4 times the size.
On valuation, Heritage Insurance trades at a lower forward P/E (6.8x vs 11.7x for United Fire Group). United Fire Group pays a dividend yielding 1.28%, while Heritage Insurance does not currently pay one.
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 | UFCS |
|---|---|---|
| Share price | $35.23 | $56.40 |
| Market cap | $1.05B | $1.45B |
| 1-day change | +2.00% | +2.45% |
| YTD return | +20.40% | +55.16% |
| 1-year return | +35.87% | +81.47% |
| 5-year return | +411.32% | +150.11% |
| P/E ratio (TTM) | 5.03 | 10.46 |
| Forward P/E | 6.80 | 11.65 |
| EPS (TTM) | $7.01 | $5.39 |
| Dividend yield | 0.00% | 1.28% |
| Annual dividend | $0.00 | $0.72 |
| 52-week high | $36.50 | $56.74 |
| 52-week low | $20.48 | $29.85 |
| Distance from 52-week high | -3.48% | -0.60% |
| Analyst consensus | buy | none |
| Avg. price target upside | +10.70% | +3.72% |
| Average volume | 292.26K | 150.98K |
| Shares outstanding | 29.73M | 25.71M |
| Employees | 542 | 846 |
| 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
- UFCS has outperformed HRTG by 45.6 percentage points over the past year.
- United Fire Group trades at a higher earnings multiple (10.5x vs 5.0x trailing P/E).
- United Fire Group offers a meaningfully higher dividend yield (1.28% vs 0.00%).
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 United Fire Group
UFCS stock →United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing.
Finance · Property-Casualty Insurers · 846 employees
HRTG vs UFCS FAQ
Which is bigger, Heritage Insurance or United Fire Group?
United Fire Group (UFCS) is larger, with a market capitalization of $1.45B compared with $1.05B for Heritage Insurance (HRTG).
Which stock has performed better over the past year, HRTG or UFCS?
UFCS returned +81.47% over the past 12 months, compared with +35.87% for HRTG (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HRTG or UFCS?
HRTG has the lower trailing P/E at 5.0, versus 10.5 for UFCS. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Heritage Insurance or United Fire Group?
United Fire Group pays a dividend yielding 1.28%, while Heritage Insurance does not currently pay a regular dividend.
Are Heritage Insurance and United Fire Group in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.