HRTG vs RWT

Comparison between Heritage Insurance Holdings Inc (HRTG, Company) and Redwood Trust Inc (RWT, Company).

HRTG is from the Financial Services sector, while RWT is from the Real Estate sector.

5-Year PerformanceHRTG has outperformed RWT, delivering a return of +22.8% compared to -4.7%

HRTG vs RWT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HRTG(COMPANY)	RWT(COMPANY)
Market Cap	$671M	$668M
Max Drawdown	95.13%	96.12%
Sharpe Ratio	0.08	0.31
5Y Beta	0.50	0.85
Industry	Insurance - Property & Casualty	Reit - Mortgage
P/E Ratio	3.38	-7.72
Forward P/E	N/A	5.90
PEG Ratio	0.02	1.47
Dividend Yield	N/A	13.50%
5Y Dividends CAGR	0.00%	9.76%
Debt to Equity	14.91%	0.00%
Free Cash Flow Yield	29.58%	N/A
P/S Ratio	0.79	4.05
P/B Ratio	1.29	0.76

Market Cap

Winner

HRTG

$671M

RWT

$668M

Max Drawdown

Winner

HRTG

95.13%

RWT

96.12%

Sharpe Ratio

HRTG

0.08

Winner

RWT

0.31

5Y Beta

Winner

HRTG

0.50

RWT

0.85

Industry

HRTG

Insurance - Property & Casualty

RWT

Reit - Mortgage

P/E Ratio

HRTG

3.38

Winner

RWT

-7.72

Forward P/E

HRTG

N/A

RWT

5.90

PEG Ratio

Winner

HRTG

0.02

RWT

1.47

Dividend Yield

HRTG

N/A

RWT

13.50%

5Y Dividends CAGR

HRTG

0.00%

Winner

RWT

9.76%

Debt to Equity

HRTG

14.91%

Winner

RWT

0.00%

Free Cash Flow Yield

HRTG

29.58%

RWT

N/A

P/S Ratio

Winner

HRTG

0.79

RWT

4.05

P/B Ratio

HRTG

1.29

Winner

RWT

0.76

HRTG vs RWT - Historical Returns

Returns include dividend reinvestment.

Period	HRTG	RWT
1 month	-23.60%	-4.31%
3 months	-17.83%	-9.05%
6 months	-17.06%	+0.74%
1 year	-8.77%	+8.59%
5 years(CAGR)	+22.83%	-4.67%
10 years(CAGR)	+6.79%	-0.99%
Max(CAGR)	+6.90%	+6.51%

HRTG

-23.60%

Winner

RWT

-4.31%

HRTG

-17.83%

Winner

RWT

-9.05%

HRTG

-17.06%

Winner

RWT

+0.74%

HRTG

-8.77%

Winner

RWT

+8.59%

5Y(CAGR)

Winner

HRTG

+22.83%

RWT

-4.67%

10Y(CAGR)

Winner

HRTG

+6.79%

RWT

-0.99%

Max(CAGR)

Winner

HRTG

+6.90%

RWT

+6.51%

HRTG vs RWT - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	HRTG	RWT
2026	-18.73%	-2.45%
2025	+139.44%	-3.60%
2024	+87.89%	-0.54%
2023	+252.43%	+17.85%
2022	-68.65%	-43.03%
2021	-41.81%	+65.10%
2020	-21.15%	-42.72%
2019	-9.90%	+17.14%
2018	-15.53%	+9.72%
2017	+14.64%	+2.99%
2016	-23.76%	+19.85%
2015	+11.63%	-28.88%
2014	+68.96%	+9.17%
2013	N/A	+17.14%
2012	N/A	+76.13%
2011	N/A	-26.97%
2010	N/A	+9.91%
2009	N/A	+8.88%
2008	N/A	-48.24%
2007	N/A	-32.18%
2006	N/A	+53.44%
2005	N/A	-23.79%
2004	N/A	+43.28%
2003	N/A	+112.30%
2002	N/A	+26.92%
2001	N/A	+60.76%
2000	N/A	+63.57%
1999	N/A	+2.28%

HRTG vs RWT Drawdown Comparison

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

The maximum drawdown for RWT was -88.76%, occurring on Apr 3, 2020. This drawdown has not yet recovered.

The current HRTG drawdown is -28.81%. The current RWT drawdown is -57.35%.

Rank	HRTG	RWT
#1	-94.36% Jul 17, 2015 - May 7, 2025	-88.76% Feb 7, 2007 - Apr 3, 2020
#2	-32.95% Nov 14, 2025 - Jun 3, 2026	-30.11% Mar 31, 2004 - Sep 28, 2004
#3	-26.90% May 9, 2025 - Sep 19, 2025	-29.14% Jan 4, 2005 - Oct 9, 2006
#4	-19.47% Sep 19, 2025 - Nov 7, 2025	-23.11% Jun 28, 2002 - Feb 25, 2003
#5	-11.87% Mar 11, 2015 - Jun 30, 2015	-11.38% Jul 29, 2003 - Aug 26, 2003
#6	-11.09% Nov 5, 2014 - Dec 9, 2014	-10.86% May 22, 2001 - Jul 12, 2001
#7	-10.65% Jul 1, 2014 - Oct 21, 2014	-10.71% Jan 21, 2000 - Mar 15, 2000
#8	-5.07% Dec 23, 2014 - Feb 5, 2015	-9.98% Aug 20, 2001 - Oct 11, 2001
#9	-5.00% Dec 9, 2014 - Dec 22, 2014	-9.57% Dec 2, 2003 - Jan 21, 2004
#10	-4.26% Jun 20, 2014 - Jul 1, 2014	-9.34% Nov 1, 1999 - Dec 22, 1999
#11	-3.08% Jun 9, 2014 - Jun 11, 2014	-9.24% Apr 20, 2000 - Aug 10, 2000
#12	-2.63% Jul 6, 2015 - Jul 14, 2015	-8.72% Oct 12, 2004 - Nov 11, 2004
#13	-2.13% Nov 7, 2025 - Nov 12, 2025	-8.02% Dec 22, 1999 - Jan 20, 2000
#14	-1.90% Mar 6, 2015 - Mar 11, 2015	-7.02% Nov 12, 2004 - Dec 10, 2004
#15	-1.79% Oct 21, 2014 - Oct 24, 2014	-7.02% Jun 12, 2003 - Jul 7, 2003

Correlation

Correlation between HRTG and RWT is 0.03 which considered as a very weak or no correlation - the stocks move independently of each other.

0.03

-101

Dividend Comparison (1999 - 2026)

HRTG vs RWT dividend yield comparison.

Year	HRTG	RWT
2026	0.00%	3.38%
2025	0.00%	13.02%
2024	0.00%	10.26%
2023	0.00%	9.58%
2022	6.67%	13.61%
2021	4.08%	5.91%
2020	2.37%	8.26%
2019	1.81%	7.26%
2018	1.63%	7.83%
2017	1.33%	7.56%
2016	1.47%	7.36%
2015	0.23%	8.48%
2014	0.00%	5.69%
2013	0.00%	5.78%
2012	0.00%	5.92%
2011	0.00%	9.82%
2010	0.00%	6.70%
2009	0.00%	6.92%
2008	0.00%	20.12%
2007	0.00%	14.60%
2006	0.00%	9.99%
2005	0.00%	14.06%
2004	0.00%	13.98%
2003	0.00%	14.45%
2002	0.00%	10.42%
2001	0.00%	10.52%
2000	0.00%	9.07%
1999	0.00%	3.20%