HRTG vs COWNL

Comparison between Heritage Insurance Holdings Inc (HRTG, Company) and Cowen Inc (COWNL, Company).

5-Year PerformanceHRTG has outperformed COWNL, delivering a return of +27.5% compared to +6.3%

HRTG vs COWNL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HRTG(COMPANY)	COWNL(COMPANY)
Market Cap	$796M	$796M
Max Drawdown	95.13%	61.44%
Sharpe Ratio	0.61	-0.35
5Y Beta	0.48	N/A
Industry	Insurance - Property & Casualty	N/A
P/E Ratio	4.01	12.13
PEG Ratio	0.03	N/A
5Y Dividends CAGR	0.00%	N/A
Debt to Equity	14.91%	127.11%
Free Cash Flow Yield	24.93%	32.29%
P/S Ratio	0.98	0.52
P/B Ratio	1.65	0.65

Market Cap

Winner

HRTG

$796M

COWNL

$796M

Max Drawdown

HRTG

95.13%

Winner

COWNL

61.44%

Sharpe Ratio

Winner

HRTG

0.61

COWNL

-0.35

5Y Beta

HRTG

0.48

COWNL

N/A

Industry

HRTG

Insurance - Property & Casualty

COWNL

N/A

P/E Ratio

Winner

HRTG

4.01

COWNL

12.13

PEG Ratio

HRTG

0.03

COWNL

N/A

5Y Dividends CAGR

HRTG

0.00%

COWNL

N/A

Debt to Equity

Winner

HRTG

14.91%

COWNL

127.11%

Free Cash Flow Yield

HRTG

24.93%

Winner

COWNL

32.29%

P/S Ratio

HRTG

0.98

Winner

COWNL

0.52

P/B Ratio

HRTG

1.65

Winner

COWNL

0.65

HRTG vs COWNL - Historical Returns

Returns include dividend reinvestment.

Period	HRTG	COWNL
1 month	+15.13%	+1.60%
3 months	-2.67%	+1.82%
6 months	+1.68%	+3.68%
1 year	+22.74%	+1.13%
5 years(CAGR)	+27.47%	+6.26%
10 years(CAGR)	+9.28%	N/A
Max(CAGR)	+8.43%	+6.26%

Winner

HRTG

+15.13%

COWNL

+1.60%

HRTG

-2.67%

Winner

COWNL

+1.82%

HRTG

+1.68%

Winner

COWNL

+3.68%

Winner

HRTG

+22.74%

COWNL

+1.13%

5Y(CAGR)

Winner

HRTG

+27.47%

COWNL

+6.26%

10Y(CAGR)

HRTG

+9.28%

COWNL

N/A

Max(CAGR)

Winner

HRTG

+8.43%

COWNL

+6.26%

HRTG vs COWNL - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	HRTG	COWNL
2026	-2.64%	N/A
2025	+139.44%	N/A
2024	+87.89%	N/A
2023	+252.43%	+2.49%
2022	-68.65%	+1.61%
2021	-41.81%	+4.83%
2020	-21.15%	+5.97%
2019	-9.90%	+21.58%
2018	-15.53%	-5.66%
2017	+14.64%	N/A
2016	-23.76%	N/A
2015	+11.63%	N/A
2014	+68.96%	N/A

HRTG vs COWNL Drawdown Comparison

The maximum drawdown for HRTG was -94.36%, occurring on Oct 20, 2022. Recovery took 2466 trading sessions.

The maximum drawdown for COWNL was -60.71%, occurring on Mar 18, 2020. Recovery took 128 trading sessions.

The current HRTG drawdown is -14.71%. The current COWNL drawdown is -3.81%.

Rank	HRTG	COWNL
#1	-94.36% Jul 17, 2015 - May 7, 2025	-60.71% Feb 20, 2020 - Aug 21, 2020
#2	-32.95% Nov 14, 2025 - Jun 3, 2026	-12.64% Aug 29, 2018 - Mar 27, 2019
#3	-26.90% May 9, 2025 - Sep 19, 2025	-12.13% Sep 30, 2021 - May 10, 2022
#4	-19.47% Sep 19, 2025 - Nov 7, 2025	-3.66% Aug 4, 2021 - Sep 15, 2021
#5	-11.87% Mar 11, 2015 - Jun 30, 2015	-2.84% Oct 8, 2020 - Nov 10, 2020
#6	-11.09% Nov 5, 2014 - Dec 9, 2014	-2.49% Jun 18, 2021 - Jul 19, 2021
#7	-10.65% Jul 1, 2014 - Oct 21, 2014	-2.40% Apr 21, 2021 - Apr 30, 2021
#8	-5.07% Dec 23, 2014 - Feb 5, 2015	-2.07% Nov 8, 2019 - Dec 12, 2019
#9	-5.00% Dec 9, 2014 - Dec 22, 2014	-2.01% Dec 1, 2020 - Feb 5, 2021
#10	-4.26% Jun 20, 2014 - Jul 1, 2014	-1.99% Sep 17, 2020 - Oct 7, 2020
#11	-3.08% Jun 9, 2014 - Jun 11, 2014	-1.93% May 16, 2019 - Jul 16, 2019
#12	-2.63% Jul 6, 2015 - Jul 14, 2015	-1.92% Apr 30, 2021 - Jun 14, 2021
#13	-2.13% Nov 7, 2025 - Nov 12, 2025	-1.88% Apr 2, 2019 - May 14, 2019
#14	-1.90% Mar 6, 2015 - Mar 11, 2015	-1.83% Sep 24, 2019 - Oct 14, 2019
#15	-1.79% Oct 21, 2014 - Oct 24, 2014	-1.75% Feb 10, 2021 - Mar 16, 2021