Profile
HRTG CB PGR TRV ALL-PB ALL
Company Name Heritage Insurance Holdings, Inc. Chubb Limited The Progressive Corporation The Travelers Companies, Inc. The Allstate Corporation The Allstate Corporation
Sector Financial Services Financial Services Financial Services Financial Services Financial Services Financial Services
Industry Insurance - Property & Casualty Insurance - Property & Casualty Insurance - Property & Casualty Insurance - Property & Casualty Insurance - Property & Casualty Insurance - Property & Casualty
Market Cap $820.39M $130.25B $118.80B $67.25B $54.61B $54.31B
Employees 0.54K 43.00K 66.31K 34.00K 54.30K 55.00K
CEO Ernesto Jose Garateix Evan G. Greenberg Susan Patricia Griffith Alan David Schnitzer Thomas Joseph Wilson II Thomas Joseph Wilson
Ratings
HRTG CB PGR TRV ALL-PB ALL
Quant Rating Score 4 3 3 4 5 4
Quant Rating Buy Neutral Neutral Buy Strong Buy Buy
Trading
HRTG CB PGR TRV ALL-PB ALL
Last Close $30.18 $295.58 $225.35 $284.51 $26.29 $209.21
High 52 $31.14 $302.46 $291.22 $287.42 $26.59 $214.65
Low 52 $10.86 $257.71 $203.7 $232.43 $25.38 $180.53
Price vs. 52 Week High -3.08 % -2.27 % -22.62 % -1.01 % -1.13 % -2.53 %
Price vs. 52 Week Low 177.9 % 14.69 % 10.63 % 22.41 % 3.59 % 15.89 %
Total Return
HRTG CB PGR TRV ALL-PB ALL
1 Month Return 31.39 % 10.2 % -0.12 % 8.59 % 0.92 % 6.81 %
3 Month Return 42.43 % 8.3 % -8.8 % 7.38 % 0.36 % 1.02 %
6 Month Return 23.33 % 0.42 % -21.21 % 3.98 % 2.3 % 0.07 %
9 Month Return 143.39 % 10.87 % -14.62 % 19.34 % -0.79 % 10.72 %
YTD Return 149.42 % 6.98 % -5.95 % 18.11 % 3.59 % 8.52 %
1 Year Return 149.01 % 4.13 % -11.46 % 9.74 % 1 % 6.41 %
3 Year Return 0 % 0 % 0 % 0 % 0 % 0 %
5 Year Return 0 % 0 % 0 % 0 % 0 % 0 %
Dividends
HRTG CB PGR TRV ALL-PB ALL
Dividend Yield Percentage (TTM) - 1.15 % 6.86 % 1.44 % 1.86 % 1.93 %
Dividend Paid and Capex Coverage Ration (TTM) 43.84 % 7.81 % 5.42 % 2.89 % 6.68 % 6.68 %
Dividend Per Share (TTM) - 3.82 % 13.9 % 4.35 % 4 % 4 %
Payout Ratio (TTM) - 10.87 % 28.26 % 15.57 % 13.52 % 13.52 %
Growth
HRTG CB PGR TRV ALL-PB ALL
Asset Growth 16.48 % -13.89 % 7.9 % 7.99 %
Gross Profit Growth 26.09 % 17.67 % 74.31 % 102.18 %
Revenue Growth 11.08 % 6.06 % 5.17 % 12.24 %
Revenue 3 Year 17.56 % 60.11 % 39.9 % 45.53 %
Revenue 5 Year 52.57 % 86.36 % 72.63 % 91.88 %
Revenue 10 Year 180.58 % 281.82 % 152.26 % 194.2 %
EBIT Growth 48.08 % 16.75 % 25.09 % 19774.19 %
Net Income Growth 35.83 % 19.82 % 25.79 % 2582.45 %
Net Income 3 Yeari Growth Per Share 174.84 % 1298.25 % 133.88 % 222.53 %
Net Income 5 Yeari Growth Per Share 105.2 % 77.12 % 163.62 % 19.57 %
Net Income 10 Yeari Growth Per Share 4.93 % 697.91 % 153.31 % 167.29 %
Operating Income Growth 58.98 % 19.79 % 26.15 % 1755.46 %
Operating Cash Flow Growth (CFG) 23.69 % - 16.88 % 111.23 %
Operating 3 Year CFG 31.63 % -100 % 73.42 % 94.72 %
Operating 5 Year CFG -30.5 % -100 % 83.96 % 116.23 %
Operating 10 Year CFG -63.99 % -100 % 327.88 % 350.48 %
EPS Growth 16.18 % 19.52 % 27.94 % 1535 %
EPS Diluted Growth 16.18 % 19.93 % 27.76 % 1515.83 %
Book Value Per Share 13.02 % -82.24 % 20.05 % 20.37 %
Share Holder 3 Year Equity Growth Per Share -22.96 % -71.45 % 61.28 % -5.01 %
Share Holder 5 Year Equity Growth Per Share -38.13 % -73.35 % 27.37 % 2.42 %
Share Holder 10 Year Equity Growth Per Share -8.46 % -37.65 % 93.11 % 56.92 %
Dividend Per Share Growth 320.27 % 320.67 % 4.69 % 3.84 %
Dividend 3 Year Growth Per Share -99.27 % 997.99 % 18.27 % 20.47 %
Dividend 5 Year Growth Per Share -99.26 % 81.65 % 28.56 % 70.25 %
Dividend 10 Year Growth Per Share - 610.84 % 83.53 % 212.27 %
Debt Growth -4.63 % -100 % 15.36 % 1.8 %
Free Cash Flow Growth 30.3 % - -100 % 120.17 %
Updated On 31 Dec 2024 30 Nov 2025 31 Dec 2025 31 Dec 2024
Profitability
HRTG CB PGR TRV ALL-PB ALL
Gross Profit Margin TTM 35.71 % 46.22 % 30.78 % 36.92 % 27.52 % 27.52 %
Return on Assets TTM 6.3 % 3.79 % 11.16 % 4.38 % 6.96 % 6.96 %
Return on Equity TTM 41.44 % 14.69 % 40.02 % 20.58 % 35.27 % 35.27 %
Return on Capital Employed TTM 8.86 % 8.51 % 14.09 % 15 % 22.35 % 22.35 %
Net Income Per EBT TTM 74.51 % 79.04 % 79.18 % 80.66 % 78.37 % 78.37 %
EBT Per Ebit TTM 95.53 % 56.28 % 100 % 100 % 100 % 100 %
EBIT Per Revenue TTM 24.89 % 38.9 % 16.06 % 15.97 % 16.15 % 16.15 %
Cash Flow To Debt Ratio TTM 110.52 % - - 114.45 % 109.11 % 109.11 %
Receivables Turnover TTM 1.78 - 4.88 3.28 3.03 3.03
Payables Turnover TTM 1.37 - - 8.66 - -
Inventory Turnover TTM - - - - - -
Fixed Asset Turnover TTM 1830.72 % - - - 11016.97 % 11016.97 %
Asset Turnover TTM 35.58 % 21.88 % 87.76 % 33.98 % 54.99 % 54.99 %
Operating Cash Flow Per Share TTM 3.64 22.08 29.56 48.14 33.55 33.55
Free Cash Flow Per Share TTM 3.55 22.08 28.98 35.96 32.83 32.83
Cash Per Share TTM 2157.39 % 622.95 % 15781.2 % 2976.85 % 3676.93 % 3676.93 %
Operating Cash Flow Sales Ratio TTM 13.34 % 14.7 % 21.76 % 21.72 % 13.33 % 13.33 %
Free Cash Flow Operating Cash Flow Ratio TTM 97.72 % 100 % 98.06 % 74.68 % 97.86 % 97.86 %
Cash Flow Coverage Ratios TTM 110.52 % - - 114.45 % 109.11 % 109.11 %
Price To Free Cash Flows Ratio TTM 7.47 14.88 6.97 8.49 6.52 6.29
Price To Operating Cash Flows Ratio TTM 7.3 14.99 6.85 6.26 6.41 6.19
Price Cash Flow Ratio TTM 7.3 14.99 6.85 6.26 6.41 6.19
Income Statement (TTM)
HRTG CB PGR TRV ALL-PB ALL
Revenue $0.82B $59.58B $79.91B $48.83B $66.46B $66.46B
Gross Profit $0.18B $27.54B $24.59B $21.61B $22.09B $22.09B
Gross Profit Ratio 21.88% 46.22% 30.78% 44.25% 33.23% 33.23%
EBITDA $0.1B $10.08B $13.09B $8.9B $13.93B $13.93B
Net Income $0.06B $10.31B $10.16B $6.29B $10.28B $10.28B
EPS Diluted 2.01 25.73 17.27 27.43 38.19 38.19
Balance Sheet (MRQ)
HRTG CB PGR TRV ALL-PB ALL
Long Term Debt $0.06B $0B $0B $9.27B $8.09B $8.09B
Total Liabilities $2.18B $192.55B $86.49B $110.81B $90.25B $90.25B
Total Equity $0.29B $79.78B $4.57B $32.89B $21.37B $21.37B
Total Investments $0.66B $0B $92.83B $101.18B $9.26B $9.26B
Total Debt $0.14B $0B $0B $9.27B $8.09B $8.09B
Total Assets $2.47B $272.33B $91.06B $143.71B $111.62B $111.62B
Cash Flow Statement (TTM)
HRTG CB PGR TRV ALL-PB ALL
Net Income $0.06B $10.31B $8.48B $6.29B $4.6B $4.6B
Inventory $0B $0B $0B $0B $0B $0B
Dividends Paid $-0B $0B $-0.68B $-0.98B $-1.08B $-1.08B
Operating Cash Flow $0.09B $0B $15.12B $10.61B $8.93B $8.93B
Capital Expenditure $-0.01B $0B $-0.29B $-10.61B $-0.21B $-0.21B
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ETFs With Exposure to HRTG
Ticker ETF Name Weight Percentage Price
IWM iShares Russell 2000 ETF 0.02 264.02
VTI Vanguard Total Stock Market Index Fund 0.00103 341.43
SCHB Schwab U.S. Broad Market ETF 0.000916425 26.71
ITOT iShares Core S&P Total U.S. Stock Market ETF 0 151.36
SCHA Schwab U.S. Small-Cap ETF 0.014161 30.755
VFH Vanguard Financials Index Fund 0.00799 129.975
IWN iShares Russell 2000 Value ETF 0.01 200.38
IWV iShares Russell 3000 ETF 0 393.88
IWO iShares Russell 2000 Growth ETF 0.03 336.805
PRFZ Invesco FTSE RAFI US 1500 Small-Mid ETF 0.023509 48.77
VXF Vanguard Extended Market Index Fund 0.00843 217.535
HDG ProShares Hedge Replication ETF 0.00270612 52.7979
DES WisdomTree U.S. SmallCap Dividend Fund 0 37.635
UWM ProShares Ultra Russell2000 0.014941 53.55
VTHR Vanguard Russell 3000 Index Fund 0.00113 306.03
IWC iShares Micro-Cap ETF 0.12 167.065
DWAS Invesco DWA SmallCap Momentum ETF 1.174 101.22
IAK iShares U.S. Insurance ETF 0.06 135.08
TILT FlexShares Morningstar US Market Factors Tilt Index Fund 0.0023 256.99
URTY ProShares UltraPro Russell2000 0.011445 64.085
VAMO Cambria Value and Momentum ETF 0.77 36.13
VTWV Vanguard Russell 2000 Value Index Fund 0.01159 176.82
EES WisdomTree U.S. SmallCap Earnings Fund 0.11433 60.73
FDM First Trust Dow Jones Select MicroCap Index Fund 0.000001 86.395
GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF 0.09 79.715
ISCB iShares Morningstar Small-Cap ETF 0.01 69.62
ISCV iShares Morningstar Small-Cap Value ETF 0.02 74.34
OMFS Invesco Russell 2000 Dynamic Multifactor ETF 0.101132 48.26
PFI Invesco DWA Financial Momentum ETF 1.08815 57.46
PSC Principal U.S. Small-Cap Multi-Factor ETF 0.153639 60.5983
SMMD iShares Russell 2500 ETF 0.01 80.95
SQLV Royce Quant Small-Cap Quality Value ETF 0.35 46.205
VFMO Vanguard U.S. Momentum Factor ETF 0.10569 206.005
VFQY Vanguard U.S. Quality Factor ETF 0.0535 159.02
VFVA Vanguard U.S. Value Factor ETF 0.07015 143.66
VTWG Vanguard Russell 2000 Growth Index Fund 0.03652 245.99
VTWO Vanguard Russell 2000 Index Fund 0.02424 106.705
DWMC AdvisorShares Dorsey Wright Micro-Cap ETF 0.61 30.95
XAW.TO iShares Core MSCI All Country World ex Canada Index ETF 0 53.08
XUU.TO iShares Core S&P U.S. Total Market Index ETF 0 68.88
XUH.TO iShares Core S&P U.S. Total Market Index ETF (CAD-Hedged) 0 55.63
XTR.TO iShares Diversified Monthly Income ETF 0 12.03
XSU.TO iShares U.S. Small Cap Index ETF (CAD-Hedged) 0.02 49.98
PZW.TO Invesco FTSE RAFI Global Small-Mid ETF 0.0226 44.5
VMO.TO Vanguard Global Momentum Factor ETF 0.09389 84.6
VVL.TO Vanguard Global Value Factor ETF 0.11738 66.8
VUN.TO Vanguard U.S. Total Market Index ETF 0.00103 125.92
VUS.TO Vanguard U.S. Total Market Index ETF (CAD-hedged) 0.00102 118.66
VITNX Vanguard Institutional Total Stock Market Index Fund Institutional Shares 0.00105 115.08
VITPX Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares 0.00105 115.06
VSTCX Vanguard Strategic Small-Cap Equity Fund Investor Shares 0.17179 45.28
VQNPX Vanguard Growth and Income Fund 0 67.73
VGIAX Vanguard Quantitative Funds - Vanguard Growth and Income Fund 0 110.52
VBAIX Vanguard Balanced Index Fund Institutional Shares 0.00068 52.59
VBIAX Vanguard Balanced Index Fund Admiral Shares 0.00068 52.59
VBINX Vanguard Balanced Index Fund Investor Shares 0.00068 52.59
AFSM First Trust Active Factor Small Cap ETF 0.000001 34.845
AVUV Avantis U.S. Small Cap Value ETF 0.08 115.315
AVUS Avantis U.S. Equity ETF 0 117.465
PQSV PGIM ETF Trust - PGIM QMA Strategic Alpha Small-Cap Value ETF 0.09 66.2468
VGRO.TO Vanguard Growth ETF Portfolio 0.00038 44.33
XBAL.TO iShares Core Balanced ETF Portfolio 0 34.305
XCNS.TO iShares Core Conservative Balanced ETF Portfolio 0 25.82
XEQT.TO iShares Core Equity ETF Portfolio 0 41.49
XGRO.TO iShares Core Growth ETF Portfolio 0 36.03
XINC.TO iShares Core Income Balanced ETF Portfolio 0 21.43
VEQT.TO Vanguard All-Equity ETF Portfolio 0.00046 55.75
VBAL.TO Vanguard Balanced ETF Portfolio 0.00028 37.85
VCNS.TO Vanguard Conservative ETF Portfolio 0.00019 32.12
VCIP.TO Vanguard Conservative Income ETF Portfolio 0.0001 27.35
VRIF.TO Vanguard Retirement Income ETF Portfolio 0.00009 26.97
DFAU Dimensional US Core Equity Market ETF 0.00216604 48.005
SVAL iShares US Small Cap Value Factor ETF 0.4 38.085
DFUS Dimensional U.S. Equity ETF 0.00096444 75.46
DFAT Dimensional U.S. Targeted Value ETF 0.0385718 66.87
DFAS Dimensional U.S. Small Cap ETF 0.0211796 76.15
DFAC Dimensional U.S. Core Equity 2 ETF 0.0050738 41.325
VTSAX Vanguard Total Stock Market Index Fund 0.00103 166.35
VFAIX Vanguard Financials Index Fund 0.00799 65.86
AVSU Avantis Responsible U.S. Equity ETF 0 79.57
R2US.L SPDR Russell 2000 US Small Cap UCITS ETF 0.020115 77.17
WDSC.L SPDR MSCI World Small Cap UCITS ETF 0.005367 140.02
WSML.L iShares MSCI World Small Cap UCITS ETF 0.01 9.88
VIEIX Vanguard Extended Market Index Fund Institutional Shares 0.00843 166.39
VITSX Vanguard Total Stock Market Index Fund 0.00103 166.38
DFSV Dimensional US Small Cap Value ETF 0.00293478 37.325
DFUV Dimensional US Marketwide Value ETF 0.00163385 50.785
SPYI.DE SPDR MSCI ACWI IMI UCITS ETF 0.000522 256.75
USSC.L SPDR MSCI USA Small Cap Value Weighted UCITS ETF 0.007879 86.14
XRS2.F Xtrackers Russell 2000 UCITS ETF 0.0188903 318.35
SC0K.DE Invesco Russell 2000 UCITS ETF 0.0197 113.88
DFSU Dimensional US Sustainability Core 1 ETF 0.00466282 44.175
IUSN.DE iShares MSCI World Small Cap UCITS ETF 0.01 8.333
SWTSX Schwab Total Stock Market Index Fd Select Shs a Series of Schwab Capit 0.000368547 16.7
VEXAX Vanguard Extended Market Index Fd Admiral Shs 0.00843 166.41
WOSC.L SPDR MSCI World Small Cap UCITS ETF 0.005367 102.62
RTYS.L Invesco Russell 2000 UCITS ETF 0.0197 135.35
VEXPX Vanguard Explorer Fd 0.02939 121.41
XRSG.L Xtrackers (IE) Public Limited Company - Xtrackers Russell 2000 UCITS ETF 0.0188903 28721
XRSU.L Xtrackers (IE) Public Limited Company - Xtrackers Russell 2000 UCITS ETF 0.0188903 391.641
ZPRR.DE SPDR Russell 2000 US Small Cap UCITS ETF 0.020115 64.96
ZPRS.DE SPDR MSCI World Small Cap UCITS ETF 0.005367 117.72
ZPRV.DE SPDR MSCI USA Small Cap Value Weighted UCITS ETF 0.007879 72.47
R2SC.L SPDR Russell 2000 US Small Cap UCITS ETF 0.020115 56.58
WLDS.L iShares MSCI World Small Cap UCITS ETF 0.01 7.24
IMID.L SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.000522 305.02
XRS2.DE Xtrackers Russell 2000 UCITS ETF 0.0188903 330.1
USFM.L UBS (Irl) ETF plc - MSCI USA Select Factor Mix UCITS ETF (USD) A-dis 0.00181 2956
VEXRX Vanguard Explorer Fund 0.02939 112.83
USUE.DE UBS (Irl) ETF plc - MSCI USA Select Factor Mix UCITS ETF (USD) A-acc 0.00181 38.145
JKJ iShares Morningstar Small-Cap ETF 0.01 231.193
AVSC Avantis U.S. Small Cap Equity ETF 0.07 65.085
JKL iShares Morningstar Small-Cap Value ETF 0.02 172.726
DFQTX DFA U.S. Core Equity 2 Portfolio 0 46.28
VMNFX Vanguard Market Neutral Fund 0.10567 14.11
VTS.AX Vanguard US Total Market Shares Index ETF 0.00103 482.09
VISM.AX Vanguard MSCI International Small Companies Index ETF 0.00857 75.32
VVLU.AX Vanguard Global Value Equity Active ETF 0.02243 82
DCOR Dimensional ETF Trust 0.00422648 76.575
VEMPX Vanguard Extended Market Index InstlPlus 0.00843 410.63
ITDG iShares Trust 0 39.51
ITDI iShares Trust 0 39.51
ITDH iShares Trust 0 39.52
ITDF iShares Trust 0 38.97
ITDC iShares Trust 0 35.18
ITDB iShares Trust 0 33.865
ITDD Integrated Data Corp. 0 36.675
ITDE iShares Trust 0 37.825
FESM 0.07 40.19
USFMDN.MX UBS (Irl) ETF Public Limited Company - MSCI USA Select Factor Mix UCITS ETF 0.00181 382
CPAI Northern Lights Fund Trust III - Counterpoint Quantitative Equity ETF 2.21953 43.16
VSMPX Vanguard Total Stock Mkt Idx Instl Pls 0.00103 312.11
QSML WisdomTree U.S. SmallCap Quality Growth Fund 0.07828 30.09
EHLS Even Herd Long Short ETF 0.59 25.33
RSSL Global X Funds 0.02 103.47
EBIT Harbor ETF Trust - Harbor AlphaEdge Small Cap Earners ETF 0.0723381 36.8562
DXUV Dimensional ETF Trust 0.0111513 63.255
RFLR Innovator ETFs Trust 0.01 29.785
ITDJ iShares Trust 0 30.71
AVUQ Avantis U.S. Quality ETF 0 60.93
WSML iShares MSCI World Small-Cap ETF 0.01 33.42
LITL Simplify Exchange Traded Funds 0.611044 30.4298
RESM Columbia Research Enhanced Small Cap ETF 0.04 21.5118
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