RL vs. HRTG
RL (Ralph Lauren Corporation) and HRTG (Heritage Insurance Holdings, Inc.) are both stocks. RL operates in Apparel Manufacturing (Consumer Cyclical), while HRTG operates in Insurance - Property & Casualty (Financial Services). Over the past 10 years, RL returned 18.35%/yr vs 7.50%/yr for HRTG. At a 0.22 correlation, their price movements are largely independent.
Performance
RL vs. HRTG - Performance Comparison
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Returns By Period
In the year-to-date period, RL achieves a 14.56% return, which is significantly higher than HRTG's -23.27% return. Over the past 10 years, RL has outperformed HRTG with an annualized return of 18.35%, while HRTG has yielded a comparatively lower 7.50% annualized return.
RL
- 1D
- 2.72%
- 1M
- 21.82%
- YTD
- 14.56%
- 6M
- 9.70%
- 1Y
- 52.96%
- 3Y*
- 52.12%
- 5Y*
- 29.57%
- 10Y*
- 18.35%
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%
RL vs. HRTG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RL Ralph Lauren Corporation | 14.56% | 55.03% | 62.85% | 39.82% | -8.41% | 16.66% | -10.63% | 16.07% | 1.82% | 17.53% |
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 RL and HRTG is 0.08, 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 | 0.08 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.13 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.19 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.23 |
Correlation (All Time) Calculated using the full available price history since May 23, 2014 | 0.22 |
The correlation between RL and HRTG shifts across timeframes, from 0.08 (1 year) to 0.23 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
RL:
$25.17B
HRTG:
$690.12M
RL:
$15.08
HRTG:
$6.53
RL:
26.79
HRTG:
3.44
RL:
1.49
HRTG:
0.02
RL:
3.11
HRTG:
0.82
RL:
8.86
HRTG:
1.33
RL:
$8.11B
HRTG:
$848.47M
RL:
$5.67B
HRTG:
$333.64M
RL:
$1.18B
HRTG:
$285.21M
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Return for Risk
RL vs. HRTG — Risk / Return Rank
RL
HRTG
RL vs. HRTG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Ralph Lauren Corporation (RL) 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.
| RL | HRTG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.64 | ||
| Sortino ratioReturn per unit of downside risk | +2.04 | ||
| Omega ratioGain probability vs. loss probability | 1.27 | 1.03 | +0.24 |
| Calmar ratioReturn relative to maximum drawdown | 3.01 | -0.18 | +3.19 |
| Martin ratioReturn relative to average drawdown | 9.65 | -0.40 | +10.06 |
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Drawdowns
RL vs. HRTG - Drawdown Comparison
The maximum RL drawdown since its inception was -68.62%, smaller than the maximum HRTG drawdown of -94.36%. Use the drawdown chart below to compare losses from any high point for RL and HRTG.
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Drawdown Indicators
| RL | HRTG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -68.62% | -94.36% | +25.74% |
Max Drawdown (1Y)Largest decline over 1 year | -17.67% | -32.95% | +15.28% |
Max Drawdown (3Y)Largest decline over 3 years | -36.18% | -43.90% | +7.72% |
Max Drawdown (5Y)Largest decline over 5 years | -36.51% | -84.89% | +48.38% |
Max Drawdown (10Y)Largest decline over 10 years | -55.14% | -92.21% | +37.07% |
Current DrawdownCurrent decline from peak | 0.00% | -27.91% | +27.91% |
Average DrawdownAverage peak-to-trough decline | -24.11% | -46.51% | +22.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.50% | 14.92% | -9.42% |
Volatility
RL vs. HRTG - Volatility Comparison
Ralph Lauren Corporation (RL) has a higher volatility of 16.13% compared to Heritage Insurance Holdings, Inc. (HRTG) at 10.07%. This indicates that RL's price experiences larger fluctuations and is considered to be riskier 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
| RL | HRTG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.13% | 10.07% | +6.06% |
Volatility (6M)Calculated over the trailing 6-month period | 27.42% | 37.66% | -10.24% |
Volatility (1Y)Calculated over the trailing 1-year period | 34.57% | 57.07% | -22.50% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 37.11% | 71.35% | -34.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 38.73% | 57.93% | -19.20% |
Dividends
RL vs. HRTG - Dividend Comparison
RL's dividend yield for the trailing twelve months is around 0.90%, while HRTG has not 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% |
RL Ralph Lauren Corporation | 0.90% | 1.01% | 1.40% | 2.08% | 2.78% | 1.74% | 0.66% | 2.29% | 2.30% | 1.93% | 2.21% | 1.79% |
Financials
RL vs. HRTG - Financials Comparison
This section allows you to compare key financial metrics between Ralph Lauren Corporation 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
RL vs. HRTG - Profitability Comparison
RL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Ralph Lauren Corporation reported a gross profit of 1.38B and revenue of 1.98B. Therefore, the gross margin over that period was 69.7%.
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%.
RL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Ralph Lauren Corporation reported an operating income of 156.80M and revenue of 1.98B, resulting in an operating margin of 7.9%.
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%.
RL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Ralph Lauren Corporation reported a net income of 151.60M and revenue of 1.98B, resulting in a net margin of 7.7%.
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
RL and HRTG have a correlation of 0.08, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
RL has higher volatility (16.13%) compared to HRTG (10.07%). In terms of maximum drawdown, RL dropped -68.62% vs HRTG's -94.36%.
RL currently has the higher Sharpe Ratio (1.54 vs -0.11), 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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