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 $118.62B $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 % 6.87 % 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 6.96 8.49 6.52 6.29
Price To Operating Cash Flows Ratio TTM 7.3 14.99 6.84 6.26 6.41 6.19
Price Cash Flow Ratio TTM 7.3 14.99 6.84 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 0.02 266.16
VTI Vanguard Total Stock Market Index Fund 0.00103 341.8
SCHB Schwab U.S. Broad Market ETF 0.000916425 26.73
ITOT iShares Core S&P Total U.S. Stock Market ETF 0 151.51
SCHA Schwab U.S. Small-Cap ETF 0.014161 30.91
VFH Vanguard Financials Index Fund 0.00799 131.42
IWN iShares Russell 2000 Value ETF 0.01 200.82
IWV iShares Russell 3000 ETF 0 394.03
IWO iShares Russell 2000 Growth ETF 0.03 341.28
PRFZ Invesco FTSE RAFI US 1500 Small-Mid ETF 0.025922 49.0861
VXF Vanguard Extended Market Index Fund 0.00843 219.45
HDG ProShares Hedge Replication ETF 0.00270612 52.7979
DES WisdomTree U.S. SmallCap Dividend Fund 0 37.57
UWM ProShares Ultra Russell2000 0.014941 54.41
VTHR Vanguard Russell 3000 Index Fund 0.00113 306.215
IWC iShares Micro-Cap ETF 0.13 169.95
DWAS Invesco DWA SmallCap Momentum ETF 1.174 102.752
IAK iShares U.S. Insurance ETF 0.06 134.7
TILT FlexShares Morningstar US Market Factors Tilt Index Fund 0.0023 257.031
URTY ProShares UltraPro Russell2000 0.011445 65.72
VAMO Cambria Value and Momentum ETF 0.77 35.992
VTWV Vanguard Russell 2000 Value Index Fund 0.01159 177.006
EES WisdomTree U.S. SmallCap Earnings Fund 0.12155 61.018
FDM First Trust Dow Jones Select MicroCap Index Fund 0.000001 87.12
GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF 0.1 80.35
ISCB iShares Morningstar Small-Cap ETF 0.01 69.98
ISCV iShares Morningstar Small-Cap Value ETF 0.02 74.3769
OMFS Invesco Russell 2000 Dynamic Multifactor ETF 0.110994 48.28
PFI Invesco DWA Financial Momentum ETF 1.19367 58.4001
PSC Principal U.S. Small-Cap Multi-Factor ETF 0.169154 61.08
SMMD iShares Russell 2500 ETF 0.01 81.28
SQLV Royce Quant Small-Cap Quality Value ETF 0.38 46.4723
VFMO Vanguard U.S. Momentum Factor ETF 0.10569 206.82
VFQY Vanguard U.S. Quality Factor ETF 0.0535 159.084
VFVA Vanguard U.S. Value Factor ETF 0.07015 143.835
VTWG Vanguard Russell 2000 Growth Index Fund 0.03652 249.225
VTWO Vanguard Russell 2000 Index Fund 0.02424 107.59
DWMC AdvisorShares Dorsey Wright Micro-Cap ETF 0.61 30.95
XAW.TO iShares Core MSCI All Country World ex Canada Index ETF 0 52.86
XUU.TO iShares Core S&P U.S. Total Market Index ETF 0 68.87
XUH.TO iShares Core S&P U.S. Total Market Index ETF (CAD-Hedged) 0 55.74
XTR.TO iShares Diversified Monthly Income ETF 0 12
XSU.TO iShares U.S. Small Cap Index ETF (CAD-Hedged) 0.02 50.34
PZW.TO Invesco FTSE RAFI Global Small-Mid ETF 0.0226 44.5
VMO.TO Vanguard Global Momentum Factor ETF 0.09389 84.57
VVL.TO Vanguard Global Value Factor ETF 0.11738 66.5
VUN.TO Vanguard U.S. Total Market Index ETF 0.00103 125.94
VUS.TO Vanguard U.S. Total Market Index ETF (CAD-hedged) 0.00102 118.65
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 35.05
AVUV Avantis U.S. Small Cap Value ETF 0.09 114.49
AVUS Avantis U.S. Equity ETF 0 117.13
PQSV PGIM ETF Trust - PGIM QMA Strategic Alpha Small-Cap Value ETF 0.09 66.2468
VGRO.TO Vanguard Growth ETF Portfolio 0.00038 44.3
XBAL.TO iShares Core Balanced ETF Portfolio 0 34.27
XCNS.TO iShares Core Conservative Balanced ETF Portfolio 0 25.8
XEQT.TO iShares Core Equity ETF Portfolio 0 41.455
XGRO.TO iShares Core Growth ETF Portfolio 0 35.995
XINC.TO iShares Core Income Balanced ETF Portfolio 0 21.43
VEQT.TO Vanguard All-Equity ETF Portfolio 0.00046 55.73
VBAL.TO Vanguard Balanced ETF Portfolio 0.00028 37.81
VCNS.TO Vanguard Conservative ETF Portfolio 0.00019 32.08
VCIP.TO Vanguard Conservative Income ETF Portfolio 0.0001 27.325
VRIF.TO Vanguard Retirement Income ETF Portfolio 0.00009 26.945
DFAU Dimensional US Core Equity Market ETF 0.00216604 48.02
SVAL iShares US Small Cap Value Factor ETF 0.43 38.08
DFUS Dimensional U.S. Equity ETF 0.00098748 75.5
DFAT Dimensional U.S. Targeted Value ETF 0.0396711 66.63
DFAS Dimensional U.S. Small Cap ETF 0.0211796 76.39
DFAC Dimensional U.S. Core Equity 2 ETF 0.00520408 41.31
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 79.4
R2US.L SPDR Russell 2000 US Small Cap UCITS ETF 0.022281 78.52
WDSC.L SPDR MSCI World Small Cap UCITS ETF 0.005367 140.46
WSML.L iShares MSCI World Small Cap UCITS ETF 0.01 9.935
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 0.00302918 37.09
DFUV Dimensional US Marketwide Value ETF 0.00167659 50.47
SPYI.DE SPDR MSCI ACWI IMI UCITS ETF 0.000522 256.7
USSC.L SPDR MSCI USA Small Cap Value Weighted UCITS ETF 0.00832 86.34
XRS2.F Xtrackers Russell 2000 UCITS ETF 0.0209107 318.35
SC0K.DE Invesco Russell 2000 UCITS ETF 0.0218 115.64
DFSU Dimensional US Sustainability Core 1 ETF 0.00477934 44.29
IUSN.DE iShares MSCI World Small Cap UCITS ETF 0.01 8.35
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 102.94
RTYS.L Invesco Russell 2000 UCITS ETF 0.0218 137.58
VEXPX Vanguard Explorer Fd 0.02939 121.41
XRSG.L Xtrackers (IE) Public Limited Company - Xtrackers Russell 2000 UCITS ETF 0.0209107 29157
XRSU.L Xtrackers (IE) Public Limited Company - Xtrackers Russell 2000 UCITS ETF 0.0209107 398.72
ZPRR.DE SPDR Russell 2000 US Small Cap UCITS ETF 0.022281 65.97
ZPRS.DE SPDR MSCI World Small Cap UCITS ETF 0.005367 118.22
ZPRV.DE SPDR MSCI USA Small Cap Value Weighted UCITS ETF 0.00832 72.58
R2SC.L SPDR Russell 2000 US Small Cap UCITS ETF 0.022281 57.43
WLDS.L iShares MSCI World Small Cap UCITS ETF 0.01 7.27
IMID.L SSgA SPDR ETFs Europe I Public Limited Company - SPDR MSCI ACWI IMI UCITS ETF 0.000522 305.55
XRS2.DE Xtrackers Russell 2000 UCITS ETF 0.0209107 335.2
USFM.L UBS (Irl) ETF plc - MSCI USA Select Factor Mix UCITS ETF (USD) A-dis 0.00185 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 0.00185 38.025
JKJ iShares Morningstar Small-Cap ETF 0.01 231.193
AVSC Avantis U.S. Small Cap Equity ETF 0.07 65.25
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 0.00434661 76.53
VEMPX Vanguard Extended Market Index InstlPlus 0.00843 410.63
ITDG iShares Trust 0 39.4501
ITDI iShares Trust 0 39.4096
ITDH iShares Trust 0 39.45
ITDF iShares Trust 0 38.9027
ITDC iShares Trust 0 35.15
ITDB iShares Trust 0 33.84
ITDD Integrated Data Corp. 0 36.63
ITDE iShares Trust 0 37.7759
FESM 0.07 40.59
USFMDN.MX UBS (Irl) ETF Public Limited Company - MSCI USA Select Factor Mix UCITS ETF 0.00185 382
CPAI Northern Lights Fund Trust III - Counterpoint Quantitative Equity ETF 2.21953 43.32
VSMPX Vanguard Total Stock Mkt Idx Instl Pls 0.00103 312.11
QSML WisdomTree U.S. SmallCap Quality Growth Fund 0.08349 29.9106
EHLS Even Herd Long Short ETF 0.59 25.4792
RSSL Global X Funds 0.02 104.25
EBIT Harbor ETF Trust - Harbor AlphaEdge Small Cap Earners ETF 0.0723381 36.8562
DXUV Dimensional ETF Trust 0.0114387 63.24
RFLR Innovator ETFs Trust 0.01 30
ITDJ iShares Trust 0 30.6464
AVUQ Avantis U.S. Quality ETF 0 60.4681
WSML iShares MSCI World Small-Cap ETF 0.01 33.4257
LITL Simplify Exchange Traded Funds 0.646709 30.6244
RESM Columbia Research Enhanced Small Cap ETF 0.04 21.5118
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