Heritage Insurance (HRTG) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
UNIVERSAL INSURANCE HOLDINGS INC (UVE) has outperformed Heritage Insurance (HRTG) over the past year, gaining 56.6% versus a gain of 35.9%. Over five years, HRTG leads with a +411.3% price change compared with +247.2% for UVE. UNIVERSAL INSURANCE HOLDINGS INC is the larger company by market cap ($1.31 billion vs $1.05 billion), about 1.2 times the size.
On valuation, Heritage Insurance trades at a lower forward P/E (6.8x vs 10.4x for UNIVERSAL INSURANCE HOLDINGS INC). UNIVERSAL INSURANCE HOLDINGS INC pays a dividend yielding 1.36%, 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 | UVE |
|---|---|---|
| Share price | $35.23 | $46.97 |
| Market cap | $1.05B | $1.31B |
| 1-day change | +2.00% | +3.80% |
| YTD return | +20.40% | +38.96% |
| 1-year return | +35.87% | +56.57% |
| 5-year return | +411.32% | +247.15% |
| P/E ratio (TTM) | 5.03 | 6.18 |
| Forward P/E | 6.80 | 10.44 |
| EPS (TTM) | $7.01 | $7.60 |
| Dividend yield | 0.00% | 1.36% |
| Annual dividend | $0.00 | $0.64 |
| 52-week high | $36.50 | $47.36 |
| 52-week low | $20.48 | $27.89 |
| Distance from 52-week high | -3.48% | -0.82% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +10.70% | -4.19% |
| Average volume | 293.51K | 194.25K |
| Shares outstanding | 29.73M | 27.83M |
| Employees | 542 | 929 |
| 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
- UVE has outperformed HRTG by 20.7 percentage points over the past year.
- UNIVERSAL INSURANCE HOLDINGS INC offers a meaningfully higher dividend yield (1.36% 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 UNIVERSAL INSURANCE HOLDINGS INC
UVE stock →Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages.
Finance · Property-Casualty Insurers · 929 employees
HRTG vs UVE FAQ
Which is bigger, Heritage Insurance or UNIVERSAL INSURANCE HOLDINGS INC?
UNIVERSAL INSURANCE HOLDINGS INC (UVE) is larger, with a market capitalization of $1.31B compared with $1.05B for Heritage Insurance (HRTG).
Which stock has performed better over the past year, HRTG or UVE?
UVE returned +56.57% 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 UVE?
HRTG has the lower trailing P/E at 5.0, versus 6.2 for UVE. 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 UNIVERSAL INSURANCE HOLDINGS INC?
UNIVERSAL INSURANCE HOLDINGS INC pays a dividend yielding 1.36%, while Heritage Insurance does not currently pay a regular dividend.
Are Heritage Insurance and UNIVERSAL INSURANCE HOLDINGS INC in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.