CERT vs HFWA

Comparison between Certara Inc (CERT, Company) and Heritage Financial Corp (HFWA, Company).

CERT is from the Healthcare sector, while HFWA is from the Financial Services sector.

5-Year PerformanceHFWA has outperformed CERT, delivering a return of +7.7% compared to -22.4%

CERT vs HFWA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CERT(COMPANY)	HFWA(COMPANY)
Market Cap	$1.22B	$1.22B
Max Drawdown	90.09%	68.97%
Sharpe Ratio	-0.21	1.14
5Y Beta	0.90	0.79
Industry	Health Information Services	Banks - Regional
P/E Ratio	-17.92	14.14
Forward P/E	12.67	12.33
PEG Ratio	N/A	0.31
Dividend Yield	N/A	3.25%
5Y Dividends CAGR	N/A	8.63%
5Y EPS CAGR	4.52%	-5.12%
Debt to Equity	30.19%	0.00%
Free Cash Flow Yield	6.58%	6.60%

Market Cap

Winner

CERT

$1.22B

HFWA

$1.22B

Max Drawdown

CERT

90.09%

Winner

HFWA

68.97%

Sharpe Ratio

CERT

-0.21

Winner

HFWA

1.14

5Y Beta

CERT

0.90

Winner

HFWA

0.79

Industry

CERT

Health Information Services

HFWA

Banks - Regional

P/E Ratio

Winner

CERT

-17.92

HFWA

14.14

Forward P/E

CERT

12.67

Winner

HFWA

12.33

PEG Ratio

CERT

N/A

HFWA

0.31

Dividend Yield

CERT

N/A

HFWA

3.25%

5Y Dividends CAGR

CERT

N/A

HFWA

8.63%

5Y EPS CAGR

Winner

CERT

4.52%

HFWA

-5.12%

Debt to Equity

CERT

30.19%

Winner

HFWA

0.00%

Free Cash Flow Yield

CERT

6.58%

Winner

HFWA

6.60%

CERT vs HFWA - Historical Returns

Returns include dividend reinvestment.

Period	CERT	HFWA
1 month	+20.03%	+1.41%
3 months	+70.15%	+15.42%
6 months	+23.11%	+8.56%
1 year	-27.04%	+29.56%
5 years(CAGR)	-22.37%	+7.67%
10 years(CAGR)	N/A	+9.09%
Max(CAGR)	-23.81%	+8.26%

Winner

CERT

+20.03%

HFWA

+1.41%

Winner

CERT

+70.15%

HFWA

+15.42%

Winner

CERT

+23.11%

HFWA

+8.56%

CERT

-27.04%

Winner

HFWA

+29.56%

5Y(CAGR)

CERT

-22.37%

Winner

HFWA

+7.67%

10Y(CAGR)

CERT

N/A

HFWA

+9.09%

Max(CAGR)

CERT

-23.81%

Winner

HFWA

+8.26%

CERT vs HFWA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CERT	HFWA
2026	-6.75%	+29.89%
2025	-17.35%	+2.45%
2024	-38.62%	+21.08%
2023	+8.31%	-26.28%
2022	-44.07%	+28.53%
2021	-13.88%	+9.22%
2020	-11.45%	-14.06%
2019	N/A	-2.73%
2018	N/A	-0.02%
2017	N/A	+21.19%
2016	N/A	+46.02%
2015	N/A	+13.14%
2014	N/A	+6.05%
2013	N/A	+15.50%
2012	N/A	+15.98%
2011	N/A	-7.09%
2010	N/A	-1.63%
2009	N/A	+12.07%
2008	N/A	-32.82%
2007	N/A	-15.32%
2006	N/A	+3.52%
2005	N/A	+13.39%
2004	N/A	+6.88%
2003	N/A	+26.85%
2002	N/A	+56.03%
2001	N/A	+23.90%
2000	N/A	+22.62%
1999	N/A	+1.47%

CERT vs HFWA Drawdown Comparison

The maximum drawdown for CERT was -90.09%, occurring on May 15, 2026. This drawdown has not yet recovered.

The maximum drawdown for HFWA was -65.13%, occurring on Mar 9, 2009. Recovery took 2673 trading sessions.

The current CERT drawdown is -81.97%. The current HFWA drawdown is -3.26%.

Rank	CERT	HFWA
#1	-90.09% Nov 4, 2021 - May 15, 2026	-65.13% Apr 4, 2006 - Nov 14, 2016
#2	-39.12% Dec 23, 2020 - Oct 28, 2021	-55.47% Jul 23, 2018 - Oct 28, 2022
#3	-11.79% Dec 11, 2020 - Dec 16, 2020	-54.34% Nov 7, 2022 - Jun 26, 2026
#4	-9.43% Dec 17, 2020 - Dec 23, 2020	-22.87% Apr 3, 2003 - Sep 26, 2005
#5	N/A	-17.05% Dec 17, 1999 - Jun 29, 2000
#6	N/A	-14.54% Jan 25, 2017 - Apr 27, 2017
#7	N/A	-11.91% Apr 27, 2017 - Jul 26, 2017
#8	N/A	-11.34% Nov 29, 2017 - May 22, 2018
#9	N/A	-10.53% Sep 1, 2000 - Nov 22, 2000
#10	N/A	-9.26% Mar 20, 2001 - Jun 15, 2001
#11	N/A	-6.77% Dec 29, 2000 - Feb 7, 2001
#12	N/A	-6.65% Aug 1, 2017 - Sep 18, 2017
#13	N/A	-6.49% Sep 30, 2005 - Oct 28, 2005
#14	N/A	-6.11% Nov 6, 2017 - Nov 28, 2017
#15	N/A	-5.94% Aug 28, 2001 - Dec 3, 2001

Correlation

Correlation between CERT and HFWA is -0.37 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.37

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