LRN vs. HRTG
LRN (Stride, Inc.) and HRTG (Heritage Insurance Holdings, Inc.) are both stocks. LRN operates in Education & Training Services (Consumer Defensive), while HRTG operates in Insurance - Property & Casualty (Financial Services). Over the past 10 years, LRN returned 23.80%/yr vs 7.50%/yr for HRTG. At a 0.14 correlation, their price movements are largely independent.
Performance
LRN vs. HRTG - Performance Comparison
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Returns By Period
In the year-to-date period, LRN achieves a 50.49% return, which is significantly higher than HRTG's -23.27% return. Over the past 10 years, LRN has outperformed HRTG with an annualized return of 23.80%, while HRTG has yielded a comparatively lower 7.50% annualized return.
LRN
- 1D
- -1.77%
- 1M
- 10.87%
- YTD
- 50.49%
- 6M
- 51.49%
- 1Y
- -31.17%
- 3Y*
- 33.90%
- 5Y*
- 26.27%
- 10Y*
- 23.80%
HRTG
- 1D
- 0.58%
- 1M
- 1.95%
- YTD
- -23.27%
- 6M
- -22.80%
- 1Y
- -5.99%
- 3Y*
- 71.00%
- 5Y*
- 22.01%
- 10Y*
- 7.50%
LRN vs. HRTG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LRN Stride, Inc. | 50.49% | -37.53% | 75.05% | 89.80% | -6.15% | 56.99% | 4.32% | -17.91% | 55.91% | -7.34% |
HRTG Heritage Insurance Holdings, Inc. | -23.27% | 141.82% | 85.58% | 262.22% | -68.58% | -40.09% | -21.80% | -8.50% | -17.06% | 16.94% |
Correlation
The correlation between LRN and HRTG is 0.04, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.04 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.11 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.13 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.13 |
Correlation (All Time) Calculated using the full available price history since May 23, 2014 | 0.14 |
The correlation between LRN and HRTG shifts across timeframes, from 0.04 (1 year) to 0.14 (all time), reflecting how their relationship changes across market environments.
Fundamentals
LRN:
$4.65B
HRTG:
$690.12M
LRN:
$9.68
HRTG:
$6.53
LRN:
10.10
HRTG:
3.44
LRN:
0.25
HRTG:
0.02
LRN:
1.86
HRTG:
0.82
LRN:
2.83
HRTG:
1.33
LRN:
$2.54B
HRTG:
$848.47M
LRN:
$972.24M
HRTG:
$333.64M
LRN:
$424.60M
HRTG:
$285.21M
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Return for Risk
LRN vs. HRTG — Risk / Return Rank
LRN
HRTG
LRN vs. HRTG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Stride, Inc. (LRN) 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| LRN | HRTG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.36 | ||
| Sortino ratioReturn per unit of downside risk | -0.35 | ||
| Omega ratioGain probability vs. loss probability | 0.97 | 1.03 | -0.06 |
| Calmar ratioReturn relative to maximum drawdown | -0.49 | -0.18 | -0.31 |
| Martin ratioReturn relative to average drawdown | -0.74 | -0.40 | -0.34 |
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Drawdowns
LRN vs. HRTG - Drawdown Comparison
The maximum LRN drawdown since its inception was -81.41%, smaller than the maximum HRTG drawdown of -94.36%. Use the drawdown chart below to compare losses from any high point for LRN and HRTG.
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Drawdown Indicators
| LRN | HRTG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -81.41% | -94.36% | +12.95% |
Max Drawdown (1Y)Largest decline over 1 year | -64.07% | -32.95% | -31.12% |
Max Drawdown (3Y)Largest decline over 3 years | -64.07% | -43.90% | -20.17% |
Max Drawdown (5Y)Largest decline over 5 years | -64.07% | -84.89% | +20.82% |
Max Drawdown (10Y)Largest decline over 10 years | -64.07% | -92.21% | +28.14% |
Current DrawdownCurrent decline from peak | -42.46% | -27.91% | -14.55% |
Average DrawdownAverage peak-to-trough decline | -36.27% | -46.51% | +10.24% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 42.11% | 14.92% | +27.19% |
Volatility
LRN vs. HRTG - Volatility Comparison
The current volatility for Stride, Inc. (LRN) is 8.21%, while Heritage Insurance Holdings, Inc. (HRTG) has a volatility of 10.07%. This indicates that LRN 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.
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Volatility by Period
| LRN | HRTG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.21% | 10.07% | -1.86% |
Volatility (6M)Calculated over the trailing 6-month period | 24.17% | 37.66% | -13.49% |
Volatility (1Y)Calculated over the trailing 1-year period | 66.70% | 57.07% | +9.63% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 51.40% | 71.35% | -19.95% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 49.22% | 57.93% | -8.71% |
Dividends
LRN vs. HRTG - Dividend Comparison
Neither LRN nor HRTG has paid dividends to shareholders.
| Position | 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% |
LRN Stride, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
LRN vs. HRTG - Financials Comparison
This section allows you to compare key financial metrics between Stride, Inc. 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
LRN vs. HRTG - Profitability Comparison
LRN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Stride, Inc. reported a gross profit of 231.56M and revenue of 629.87M. Therefore, the gross margin over that period was 36.8%.
HRTG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Heritage Insurance Holdings, Inc. reported a gross profit of 0.00 and revenue of 212.66M. Therefore, the gross margin over that period was 0.0%.
LRN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Stride, Inc. reported an operating income of 129.08M and revenue of 629.87M, resulting in an operating margin of 20.5%.
HRTG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Heritage Insurance Holdings, Inc. reported an operating income of 50.82M and revenue of 212.66M, resulting in an operating margin of 23.9%.
LRN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Stride, Inc. reported a net income of 248.49M and revenue of 629.87M, resulting in a net margin of 39.5%.
HRTG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Heritage Insurance Holdings, Inc. reported a net income of 36.48M and revenue of 212.66M, resulting in a net margin of 17.2%.
Frequently Asked Questions
LRN and HRTG have a correlation of 0.04, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
HRTG has higher volatility (10.07%) compared to LRN (8.21%). In terms of maximum drawdown, LRN dropped -81.41% vs HRTG's -94.36%.
HRTG currently has the higher Sharpe Ratio (-0.11 vs -0.47), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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