Heritage Insurance (HRTG) Competitors

NMI (NASDAQ:NMIH) and Heritage Insurance (NYSE:HRTG) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, profitability, analyst recommendations, earnings, dividends, community ranking, risk and media sentiment.

Which has better valuation and earnings, NMIH or HRTG?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NMI	$667.96M	4.62	$360.11M	$4.63	8.54
Heritage Insurance	$844.30M	0.85	$45.31M	$2.53	9.20

Does the MarketBeat Community believe in NMIH or HRTG?

NMI received 108 more outperform votes than Heritage Insurance when rated by MarketBeat users. However, 66.67% of users gave Heritage Insurance an outperform vote while only 65.24% of users gave NMI an outperform vote.

Company	Underperform	Outperform
NMI	Outperform Votes 426 65.24%	Underperform Votes 227 34.76%
Heritage Insurance	Outperform Votes 318 66.67%	Underperform Votes 159 33.33%

Do institutionals & insiders hold more shares of NMIH or HRTG?

94.1% of NMI shares are owned by institutional investors. Comparatively, 59.0% of Heritage Insurance shares are owned by institutional investors. 3.0% of NMI shares are owned by insiders. Comparatively, 15.2% of Heritage Insurance shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Is NMIH or HRTG more profitable?

NMI has a net margin of 55.32% compared to Heritage Insurance's net margin of 9.10%. Heritage Insurance's return on equity of 29.17% beat NMI's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
NMI	55.32%	17.33%	11.44%
Heritage Insurance	9.10%	29.17%	3.12%

Does the media refer more to NMIH or HRTG?

In the previous week, NMI had 6 more articles in the media than Heritage Insurance. MarketBeat recorded 10 mentions for NMI and 4 mentions for Heritage Insurance. Heritage Insurance's average media sentiment score of 1.00 beat NMI's score of 0.86 indicating that Heritage Insurance is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
NMI	6 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Heritage Insurance	2 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts prefer NMIH or HRTG?

NMI currently has a consensus target price of $42.29, suggesting a potential upside of 6.94%. Heritage Insurance has a consensus target price of $29.00, suggesting a potential upside of 24.57%. Given Heritage Insurance's stronger consensus rating and higher probable upside, analysts clearly believe Heritage Insurance is more favorable than NMI.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NMI	0 Sell rating(s)	2 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.71
Heritage Insurance	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has more risk and volatility, NMIH or HRTG?

NMI has a beta of 0.55, suggesting that its share price is 45% less volatile than the S&P 500. Comparatively, Heritage Insurance has a beta of 1.03, suggesting that its share price is 3% more volatile than the S&P 500.

Summary

NMI and Heritage Insurance tied by winning 9 of the 18 factors compared between the two stocks.