HRTG vs. FICO
Compare and contrast key facts about Heritage Insurance Holdings, Inc. (HRTG) and Fair Isaac Corporation (FICO).
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: HRTG or FICO.
Correlation
The correlation between HRTG and FICO is 0.28, 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.
Performance
HRTG vs. FICO - Performance Comparison
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Key characteristics
HRTG:
2.81
FICO:
1.89
HRTG:
3.22
FICO:
2.61
HRTG:
1.47
FICO:
1.35
HRTG:
3.05
FICO:
2.30
HRTG:
9.57
FICO:
5.09
HRTG:
23.37%
FICO:
13.42%
HRTG:
73.23%
FICO:
33.33%
HRTG:
-94.36%
FICO:
-79.26%
HRTG:
0.00%
FICO:
-12.35%
Fundamentals
HRTG:
$806.45M
FICO:
$51.26B
HRTG:
$2.57
FICO:
$23.18
HRTG:
10.12
FICO:
90.09
HRTG:
0.00
FICO:
2.07
HRTG:
0.96
FICO:
27.62
HRTG:
2.42
FICO:
82.33
HRTG:
$625.68M
FICO:
$1.84B
HRTG:
$625.68M
FICO:
$1.49B
HRTG:
$73.17M
FICO:
$829.07M
Returns By Period
In the year-to-date period, HRTG achieves a 115.04% return, which is significantly higher than FICO's 4.89% return. Over the past 10 years, HRTG has underperformed FICO with an annualized return of 3.81%, while FICO has yielded a comparatively higher 37.58% annualized return.
HRTG
115.04%
61.31%
113.28%
195.35%
19.25%
3.81%
FICO
4.89%
12.87%
-10.46%
57.17%
41.47%
37.58%
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Risk-Adjusted Performance
HRTG vs. FICO — Risk-Adjusted Performance Rank
HRTG
FICO
HRTG vs. FICO - Risk-Adjusted Performance 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.
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Dividends
HRTG vs. FICO - Dividend Comparison
Neither HRTG nor FICO has paid dividends to shareholders.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HRTG Heritage Insurance Holdings, Inc. | 0.00% | 0.00% | 0.00% | 6.67% | 4.08% | 2.37% | 1.81% | 1.63% | 1.33% | 1.47% | 0.23% | 0.00% |
FICO Fair Isaac Corporation | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.07% | 0.08% | 0.11% |
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. For additional features, visit the drawdowns tool.
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Volatility
HRTG vs. FICO - Volatility Comparison
Heritage Insurance Holdings, Inc. (HRTG) has a higher volatility of 22.35% compared to Fair Isaac Corporation (FICO) at 8.15%. This indicates that HRTG's price experiences larger fluctuations and is considered to be riskier than FICO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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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 May 2025, Heritage Insurance Holdings, Inc. reported a gross profit of 210.26M and revenue of 210.26M. Therefore, the gross margin over that period was 100.0%.
FICO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Fair Isaac Corporation reported a gross profit of 411.11M and revenue of 498.74M. Therefore, the gross margin over that period was 82.4%.
HRTG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Heritage Insurance Holdings, Inc. reported an operating income of 28.95M and revenue of 210.26M, resulting in an operating margin of 13.8%.
FICO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Fair Isaac Corporation reported an operating income of 245.65M and revenue of 498.74M, resulting in an operating margin of 49.3%.
HRTG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Heritage Insurance Holdings, Inc. reported a net income of 20.29M and revenue of 210.26M, resulting in a net margin of 9.7%.
FICO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Fair Isaac Corporation reported a net income of 162.62M and revenue of 498.74M, resulting in a net margin of 32.6%.