Head-To-Head Contrast: Hamilton Insurance Group (NYSE:HG) vs. Heritage Insurance (NYSE:HRTG)

Hamilton Insurance Group (NYSE:HG) and Heritage Insurance (NYSE:HRTG) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, dividends, risk, valuation, profitability and analyst recommendations.

Valuation and Earnings

This table compares Hamilton Insurance Group and Heritage Insurance”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Hamilton Insurance Group	$2.18 billion	0.95	$258.73 million	$3.29	5.68
Heritage Insurance	$768.14 million	0.40	$45.31 million	$1.64	6.16

Hamilton Insurance Group has higher revenue and earnings than Heritage Insurance. Hamilton Insurance Group is trading at a lower price-to-earnings ratio than Heritage Insurance, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

29.2% of Hamilton Insurance Group shares are held by institutional investors. Comparatively, 59.0% of Heritage Insurance shares are held by institutional investors. 2.7% of Hamilton Insurance Group shares are held by company insiders. Comparatively, 14.0% of Heritage Insurance shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

This table compares Hamilton Insurance Group and Heritage Insurance’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Hamilton Insurance Group	21.45%	21.77%	6.52%
Heritage Insurance	7.37%	26.27%	2.45%

Analyst Ratings

This is a breakdown of current ratings and target prices for Hamilton Insurance Group and Heritage Insurance, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hamilton Insurance Group	0	1	6	0	2.86
Heritage Insurance	0	1	2	0	2.67

Hamilton Insurance Group currently has a consensus price target of $21.43, suggesting a potential upside of 14.59%. Heritage Insurance has a consensus price target of $10.67, suggesting a potential upside of 5.51%. Given Hamilton Insurance Group’s stronger consensus rating and higher possible upside, equities analysts plainly believe Hamilton Insurance Group is more favorable than Heritage Insurance.

Summary

Hamilton Insurance Group beats Heritage Insurance on 9 of the 13 factors compared between the two stocks.

About Hamilton Insurance Group

Hamilton Insurance Group, Ltd., through its subsidiaries, provides underwriting specialty insurance and reinsurance risks in Bermuda and internationally. The company operates Hamilton Global Specialty, Hamilton Select, and Hamilton Re underwriting platforms. The company offers casualty reinsurance products, such as commercial motor, general liability, healthcare, multiline, personal motor, professional liability, umbrella and excess casualty, and worker's compensation and employer's liability reinsurance; property reinsurance and insurance; and specialty reinsurance solutions, including accident and health, aviation and space, crisis management, mortgage, financial lines, marine and energy, and multiline specialty. In addition, it offers accident and health, cyber, energy, environmental, financial lines, fine art and specie, kidnap and ransom, mergers and acquisitions, marine and energy liability, political risk and violence, professional liability, property binders, property direct and facultative, professional lines, space, upstream energy, excess casualty, war and terrorism, allied medical, management liability, medical professionals, general liability, products liability and contractors, and small business casualty insurance plans, as well as surety and treaty reinsurance products. The company was incorporated in 2013 and is headquartered in Pembroke, Bermuda.

About Heritage Insurance

Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. The company 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; commercial residential insurance for properties in Florida, New Jersey, and New York; and licensed in the state of Pennsylvania, as well as personal residential and wind-only property insurance. It also provides restoration, emergency, and recovery services; property management, and reinsurance services; homeowners insurance products, including single-family, homeowners or duplex, and condominium owners; and dwelling fire insurance policies. In addition, the company provides personal line policies through a network of retail independent agents, wholesale agents, and a partnership with a direct agency, as well as distribute indirectly to retail locations through wholesale agency relationships. Further, it offers personal and commercial insurance policies through a network of independent agencies. The company was founded in 2012 and is headquartered in Tampa, Florida.