HRTG vs. FICO
Compare and contrast key facts about Heritage Insurance Holdings, Inc. (HRTG) and Fair Isaac Corporation (FICO).
Performance
HRTG vs. FICO - Performance Comparison
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HRTG vs. FICO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HRTG Heritage Insurance Holdings, Inc. | -10.29% | 141.82% | 85.58% | 262.22% | -68.58% | -40.09% | -21.80% | -8.50% | -17.06% | 16.94% |
FICO Fair Isaac Corporation | -36.86% | -15.08% | 71.04% | 94.46% | 38.03% | -15.14% | 36.39% | 100.36% | 22.06% | 28.52% |
Fundamentals
HRTG:
$812.63M
FICO:
$25.58B
HRTG:
$6.32
FICO:
$27.15
HRTG:
4.15
FICO:
39.32
HRTG:
0.03
FICO:
2.09
HRTG:
0.96
FICO:
12.54
HRTG:
$847.33M
FICO:
$2.06B
HRTG:
$248.08M
FICO:
$1.71B
HRTG:
$276.45M
FICO:
$1.00B
Returns By Period
In the year-to-date period, HRTG achieves a -10.29% return, which is significantly higher than FICO's -36.86% return. Over the past 10 years, HRTG has underperformed FICO with an annualized return of 6.68%, while FICO has yielded a comparatively higher 25.66% annualized return.
HRTG
- 1D
- -0.04%
- 1M
- -5.81%
- YTD
- -10.29%
- 6M
- 4.25%
- 1Y
- 82.04%
- 3Y*
- 104.26%
- 5Y*
- 19.88%
- 10Y*
- 6.68%
FICO
- 1D
- 1.87%
- 1M
- -24.25%
- YTD
- -36.86%
- 6M
- -28.67%
- 1Y
- -42.11%
- 3Y*
- 14.96%
- 5Y*
- 16.34%
- 10Y*
- 25.66%
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Return for Risk
HRTG vs. FICO — Risk / Return Rank
HRTG
FICO
HRTG vs. FICO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Heritage Insurance Holdings, Inc. (HRTG) and Fair Isaac Corporation (FICO). 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.
| HRTG | FICO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.36 | -0.81 | +2.17 |
Sortino ratioReturn per unit of downside risk | 2.11 | -1.02 | +3.12 |
Omega ratioGain probability vs. loss probability | 1.26 | 0.86 | +0.40 |
Calmar ratioReturn relative to maximum drawdown | 2.90 | -0.76 | +3.66 |
Martin ratioReturn relative to average drawdown | 6.18 | -1.48 | +7.66 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| HRTG | FICO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.36 | -0.81 | +2.17 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.28 | 0.42 | -0.13 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.12 | 0.69 | -0.57 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.16 | 0.48 | -0.33 |
Correlation
The correlation between HRTG and FICO is 0.20, 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
HRTG vs. FICO - Dividend Comparison
Neither HRTG nor FICO has paid dividends to shareholders.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
FICO Fair Isaac Corporation | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.07% | 0.08% |
Drawdowns
HRTG vs. FICO - Drawdown Comparison
The maximum HRTG drawdown since its inception was -94.36%, which is greater than FICO's maximum drawdown of -79.26%. Use the drawdown chart below to compare losses from any high point for HRTG and FICO.
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Drawdown Indicators
| HRTG | FICO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -94.36% | -79.26% | -15.10% |
Max Drawdown (1Y)Largest decline over 1 year | -26.90% | -54.90% | +28.00% |
Max Drawdown (5Y)Largest decline over 5 years | -87.55% | -58.24% | -29.31% |
Max Drawdown (10Y)Largest decline over 10 years | -92.21% | -58.24% | -33.97% |
Current DrawdownCurrent decline from peak | -15.70% | -55.19% | +39.49% |
Average DrawdownAverage peak-to-trough decline | -46.99% | -17.82% | -29.17% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.61% | 28.31% | -15.70% |
Volatility
HRTG vs. FICO - Volatility Comparison
The current volatility for Heritage Insurance Holdings, Inc. (HRTG) is 10.90%, while Fair Isaac Corporation (FICO) has a volatility of 22.06%. This indicates that HRTG experiences smaller price fluctuations and is considered to be less risky than FICO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HRTG | FICO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.90% | 22.06% | -11.16% |
Volatility (6M)Calculated over the trailing 6-month period | 38.33% | 38.56% | -0.23% |
Volatility (1Y)Calculated over the trailing 1-year period | 60.76% | 52.35% | +8.41% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 70.83% | 39.49% | +31.34% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 57.62% | 37.39% | +20.23% |
Financials
HRTG vs. FICO - Financials Comparison
This section allows you to compare key financial metrics between Heritage Insurance Holdings, Inc. and Fair Isaac Corporation. 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
HRTG vs. FICO - Profitability Comparison
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%.
FICO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Fair Isaac Corporation reported a gross profit of 424.70M and revenue of 511.96M. Therefore, the gross margin over that period was 83.0%.
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%.
FICO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Fair Isaac Corporation reported an operating income of 234.05M and revenue of 511.96M, resulting in an operating margin of 45.7%.
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%.
FICO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Fair Isaac Corporation reported a net income of 158.37M and revenue of 511.96M, resulting in a net margin of 30.9%.