ERIE vs. HRTG
Compare and contrast key facts about Erie Indemnity Company (ERIE) and Heritage Insurance Holdings, Inc. (HRTG).
Performance
ERIE vs. HRTG - Performance Comparison
Loading graphics...
ERIE vs. HRTG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ERIE Erie Indemnity Company | -13.39% | -29.40% | 24.67% | 37.35% | 32.03% | -19.98% | 52.39% | 27.08% | 12.54% | 11.23% |
HRTG Heritage Insurance Holdings, Inc. | -13.91% | 141.82% | 85.58% | 262.22% | -68.58% | -40.09% | -21.80% | -8.50% | -17.06% | 16.94% |
Fundamentals
ERIE:
$15.98
HRTG:
$6.32
ERIE:
15.45
HRTG:
3.98
ERIE:
0.72
HRTG:
0.03
ERIE:
2.13
HRTG:
0.92
ERIE:
$4.07B
HRTG:
$847.33M
ERIE:
$796.81M
HRTG:
$248.08M
ERIE:
$776.91M
HRTG:
$276.45M
Returns By Period
The year-to-date returns for both stocks are quite close, with ERIE having a -13.39% return and HRTG slightly lower at -13.91%. Over the past 10 years, ERIE has outperformed HRTG with an annualized return of 12.64%, while HRTG has yielded a comparatively lower 6.24% annualized return.
ERIE
- 1D
- -1.72%
- 1M
- -7.41%
- YTD
- -13.39%
- 6M
- -20.09%
- 1Y
- -38.88%
- 3Y*
- 3.81%
- 5Y*
- 3.90%
- 10Y*
- 12.64%
HRTG
- 1D
- -4.04%
- 1M
- -12.63%
- YTD
- -13.91%
- 6M
- 6.38%
- 1Y
- 66.49%
- 3Y*
- 101.48%
- 5Y*
- 18.90%
- 10Y*
- 6.24%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
ERIE vs. HRTG — Risk / Return Rank
ERIE
HRTG
ERIE vs. HRTG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Erie Indemnity Company (ERIE) and Heritage Insurance Holdings, Inc. (HRTG). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| ERIE | HRTG | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | -1.22 | 1.10 | -2.32 |
Sortino ratioReturn per unit of downside risk | -1.68 | 1.85 | -3.53 |
Omega ratioGain probability vs. loss probability | 0.79 | 1.23 | -0.44 |
Calmar ratioReturn relative to maximum drawdown | -0.92 | 2.78 | -3.70 |
Martin ratioReturn relative to average drawdown | -1.54 | 5.89 | -7.44 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| ERIE | HRTG | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -1.22 | 1.10 | -2.32 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.14 | 0.27 | -0.13 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.44 | 0.11 | +0.33 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.25 | 0.15 | +0.10 |
Correlation
The correlation between ERIE and HRTG is 0.24, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
ERIE vs. HRTG - Dividend Comparison
ERIE's dividend yield for the trailing twelve months is around 2.25%, while HRTG has not paid dividends to shareholders.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ERIE Erie Indemnity Company | 2.25% | 1.90% | 1.24% | 1.42% | 1.79% | 2.15% | 2.39% | 2.17% | 2.52% | 2.57% | 1.95% | 3.61% |
HRTG Heritage Insurance Holdings, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 6.67% | 4.08% | 2.37% | 1.81% | 1.63% | 1.33% | 1.47% | 0.23% |
Drawdowns
ERIE vs. HRTG - Drawdown Comparison
The maximum ERIE drawdown since its inception was -78.28%, smaller than the maximum HRTG drawdown of -94.36%. Use the drawdown chart below to compare losses from any high point for ERIE and HRTG.
Loading graphics...
Drawdown Indicators
| ERIE | HRTG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -78.28% | -94.36% | +16.08% |
Max Drawdown (1Y)Largest decline over 1 year | -43.55% | -26.90% | -16.65% |
Max Drawdown (5Y)Largest decline over 5 years | -55.67% | -87.55% | +31.88% |
Max Drawdown (10Y)Largest decline over 10 years | -55.67% | -92.21% | +36.54% |
Current DrawdownCurrent decline from peak | -53.63% | -19.11% | -34.52% |
Average DrawdownAverage peak-to-trough decline | -33.42% | -46.98% | +13.56% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 25.95% | 12.67% | +13.28% |
Volatility
ERIE vs. HRTG - Volatility Comparison
The current volatility for Erie Indemnity Company (ERIE) is 9.01%, while Heritage Insurance Holdings, Inc. (HRTG) has a volatility of 11.26%. This indicates that ERIE experiences smaller price fluctuations and is considered to be less risky than HRTG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| ERIE | HRTG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 9.01% | 11.26% | -2.25% |
Volatility (6M)Calculated over the trailing 6-month period | 22.17% | 38.41% | -16.24% |
Volatility (1Y)Calculated over the trailing 1-year period | 32.14% | 60.86% | -28.72% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 28.70% | 70.85% | -42.15% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 28.81% | 57.62% | -28.81% |
Financials
ERIE vs. HRTG - Financials Comparison
This section allows you to compare key financial metrics between Erie Indemnity Company and Heritage Insurance Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ERIE vs. HRTG - Profitability Comparison
ERIE - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Erie Indemnity Company reported a gross profit of 0.00 and revenue of 713.69M. Therefore, the gross margin over that period was 0.0%.
HRTG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Heritage Insurance Holdings, Inc. reported a gross profit of 0.00 and revenue of 215.32M. Therefore, the gross margin over that period was 0.0%.
ERIE - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Erie Indemnity Company reported an operating income of 156.38M and revenue of 713.69M, resulting in an operating margin of 21.9%.
HRTG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Heritage Insurance Holdings, Inc. reported an operating income of 89.68M and revenue of 215.32M, resulting in an operating margin of 41.7%.
ERIE - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Erie Indemnity Company reported a net income of 63.38M and revenue of 713.69M, resulting in a net margin of 8.9%.
HRTG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Heritage Insurance Holdings, Inc. reported a net income of 66.68M and revenue of 215.32M, resulting in a net margin of 31.0%.