HRTG vs SB

Comparison between Heritage Insurance Holdings Inc (HRTG, Company) and Safe Bulkers Inc (SB, Company).

HRTG is from the Financial Services sector, while SB is from the Industrials sector.

5-Year PerformanceHRTG has outperformed SB, delivering a return of +22.8% compared to +16.8%

HRTG vs SB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HRTG(COMPANY)	SB(COMPANY)
Market Cap	$671M	$668M
Max Drawdown	95.13%	98.41%
Sharpe Ratio	0.08	1.82
5Y Beta	0.50	0.79
Industry	Insurance - Property & Casualty	Marine Shipping
P/E Ratio	3.38	17.32
Forward P/E	N/A	2.10
PEG Ratio	0.02	3.33
Dividend Yield	N/A	3.13%
5Y Dividends CAGR	0.00%	N/A
Debt to Equity	14.91%	66.04%
Free Cash Flow Yield	29.58%	15.32%
P/S Ratio	0.79	2.42
P/B Ratio	1.29	0.80

Market Cap

Winner

HRTG

$671M

$668M

Max Drawdown

Winner

HRTG

95.13%

98.41%

Sharpe Ratio

HRTG

0.08

Winner

1.82

5Y Beta

Winner

HRTG

0.50

0.79

Industry

HRTG

Insurance - Property & Casualty

Marine Shipping

P/E Ratio

Winner

HRTG

3.38

17.32

Forward P/E

HRTG

N/A

2.10

PEG Ratio

Winner

HRTG

0.02

3.33

Dividend Yield

HRTG

N/A

3.13%

5Y Dividends CAGR

HRTG

0.00%

N/A

Debt to Equity

Winner

HRTG

14.91%

66.04%

Free Cash Flow Yield

Winner

HRTG

29.58%

15.32%

P/S Ratio

Winner

HRTG

0.79

2.42

P/B Ratio

HRTG

1.29

Winner

0.80

HRTG vs SB - Historical Returns

Returns include dividend reinvestment.

Period	HRTG	SB
1 month	-23.60%	-8.58%
3 months	-17.83%	+3.34%
6 months	-17.06%	+24.50%
1 year	-8.77%	+75.59%
5 years(CAGR)	+22.83%	+16.77%
10 years(CAGR)	+6.79%	+21.30%
Max(CAGR)	+6.90%	-1.83%

HRTG

-23.60%

Winner

-8.58%

HRTG

-17.83%

Winner

+3.34%

HRTG

-17.06%

Winner

+24.50%

HRTG

-8.77%

Winner

+75.59%

5Y(CAGR)

Winner

HRTG

+22.83%

+16.77%

10Y(CAGR)

HRTG

+6.79%

Winner

+21.30%

Max(CAGR)

Winner

HRTG

+6.90%

-1.83%

HRTG vs SB - Annual Returns (2008 - 2026)

Returns include dividend reinvestment.

Year	HRTG	SB
2026	-18.73%	+35.59%
2025	+139.44%	+38.14%
2024	+87.89%	-5.66%
2023	+252.43%	+45.43%
2022	-68.65%	-20.83%
2021	-41.81%	+179.26%
2020	-21.15%	-23.53%
2019	-9.90%	-12.82%
2018	-15.53%	-45.90%
2017	+14.64%	+171.43%
2016	-23.76%	+52.70%
2015	+11.63%	-78.66%
2014	+68.96%	-60.61%
2013	N/A	+200.69%
2012	N/A	-41.42%
2011	N/A	-26.95%
2010	N/A	+6.83%
2009	N/A	+23.90%
2008	N/A	-59.75%

HRTG vs SB Drawdown Comparison

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

The maximum drawdown for SB was -97.32%, occurring on Jan 20, 2016. This drawdown has not yet recovered.

The current HRTG drawdown is -28.81%. The current SB drawdown is -29.38%.

Rank	HRTG	SB
#1	-94.36% Jul 17, 2015 - May 7, 2025	-97.32% Aug 29, 2008 - Jan 20, 2016
#2	-32.95% Nov 14, 2025 - Jun 3, 2026	-6.95% Jun 2, 2008 - Aug 20, 2008
#3	-26.90% May 9, 2025 - Sep 19, 2025	-3.17% Aug 21, 2008 - Aug 28, 2008
#4	-19.47% Sep 19, 2025 - Nov 7, 2025	N/A
#5	-11.87% Mar 11, 2015 - Jun 30, 2015	N/A
#6	-11.09% Nov 5, 2014 - Dec 9, 2014	N/A
#7	-10.65% Jul 1, 2014 - Oct 21, 2014	N/A
#8	-5.07% Dec 23, 2014 - Feb 5, 2015	N/A
#9	-5.00% Dec 9, 2014 - Dec 22, 2014	N/A
#10	-4.26% Jun 20, 2014 - Jul 1, 2014	N/A
#11	-3.08% Jun 9, 2014 - Jun 11, 2014	N/A
#12	-2.63% Jul 6, 2015 - Jul 14, 2015	N/A
#13	-2.13% Nov 7, 2025 - Nov 12, 2025	N/A
#14	-1.90% Mar 6, 2015 - Mar 11, 2015	N/A
#15	-1.79% Oct 21, 2014 - Oct 24, 2014	N/A

Correlation

Correlation between HRTG and SB is 0.25 which considered as a very weak or no correlation - the stocks move independently of each other.

0.25

-101

Dividend Comparison (2008 - 2026)

HRTG vs SB dividend yield comparison.

Year	HRTG	SB
2026	0.00%	0.77%
2025	0.00%	4.15%
2024	0.00%	5.60%
2023	0.00%	5.09%
2022	6.67%	6.87%
2021	4.08%	0.00%
2020	2.37%	0.00%
2019	1.81%	0.00%
2018	1.63%	0.00%
2017	1.33%	0.00%
2016	1.47%	0.00%
2015	0.23%	4.94%
2014	0.00%	5.63%
2013	0.00%	2.02%
2012	0.00%	14.88%
2011	0.00%	10.02%
2010	0.00%	6.77%
2009	0.00%	6.85%
2008	0.00%	9.37%