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HRTG vs SPY

Comparison between Heritage Insurance Holdings Inc (HRTG, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceHRTG has outperformed SPY, delivering a return of +22.8% compared to +13.3%

HRTG vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
HRTG
$671M
Winner
SPY
$735B
Expense Ratio
HRTG
N/A
SPY
0.09%
Max Drawdown
HRTG
95.13%
Winner
SPY
56.47%
Sharpe Ratio
HRTG
0.08
Winner
SPY
1.62
5Y Beta
Winner
HRTG
0.50
SPY
1.00
Industry
HRTG
Insurance - Property & Casualty
SPY
N/A
P/E Ratio
Winner
HRTG
3.38
SPY
28.99
Forward P/E
HRTG
N/A
SPY
22.37
PEG Ratio
HRTG
0.02
SPY
N/A
5Y Dividends CAGR
HRTG
0.00%
Winner
SPY
5.43%
5Y EPS CAGR
HRTG
N/A
SPY
26.05%
Debt to Equity
Winner
HRTG
14.91%
SPY
32.40%
Free Cash Flow Yield
HRTG
29.58%
SPY
N/A
P/S Ratio
Winner
HRTG
0.79
SPY
3.74
P/B Ratio
Winner
HRTG
1.29
SPY
5.61

HRTG vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
HRTG
-23.60%
Winner
SPY
+1.90%
3M
HRTG
-17.83%
Winner
SPY
+8.55%
6M
HRTG
-17.06%
Winner
SPY
+8.18%
1Y
HRTG
-8.77%
Winner
SPY
+25.79%
5Y(CAGR)
Winner
HRTG
+22.83%
SPY
+13.32%
10Y(CAGR)
HRTG
+6.79%
Winner
SPY
+15.19%
Max(CAGR)
HRTG
+6.90%
Winner
SPY
+8.47%

HRTG vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearHRTGSPY
2026-18.73%+8.26%
2025+139.44%+18.00%
2024+87.89%+25.59%
2023+252.43%+26.72%
2022-68.65%-18.64%
2021-41.81%+30.52%
2020-21.15%+17.28%
2019-9.90%+31.09%
2018-15.53%-5.24%
2017+14.64%+20.78%
2016-23.76%+13.59%
2015+11.63%+1.31%
2014+68.96%+14.56%
2013N/A+29.00%
2012N/A+14.17%
2011N/A+0.85%
2010N/A+13.14%
2009N/A+22.67%
2008N/A-36.25%
2007N/A+5.32%
2006N/A+13.85%
2005N/A+5.32%
2004N/A+10.75%
2003N/A+24.18%
2002N/A-22.42%
2001N/A-10.13%
2000N/A-8.84%
1999N/A+8.61%

HRTG vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current HRTG drawdown is -28.81%. The current SPY drawdown is -2.90%.

RankHRTGSPY
#1-94.36%
Jul 17, 2015 - May 7, 2025		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-32.95%
Nov 14, 2025 - Jun 3, 2026		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-26.90%
May 9, 2025 - Sep 19, 2025		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-19.47%
Sep 19, 2025 - Nov 7, 2025		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-11.87%
Mar 11, 2015 - Jun 30, 2015		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-11.09%
Nov 5, 2014 - Dec 9, 2014		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-10.65%
Jul 1, 2014 - Oct 21, 2014		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-5.07%
Dec 23, 2014 - Feb 5, 2015		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-5.00%
Dec 9, 2014 - Dec 22, 2014		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-4.26%
Jun 20, 2014 - Jul 1, 2014		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-3.08%
Jun 9, 2014 - Jun 11, 2014		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-2.63%
Jul 6, 2015 - Jul 14, 2015		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-2.13%
Nov 7, 2025 - Nov 12, 2025		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-1.90%
Mar 6, 2015 - Mar 11, 2015		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-1.79%
Oct 21, 2014 - Oct 24, 2014		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between HRTG and SPY is 0.18 which considered as a very weak or no correlation - the stocks move independently of each other.

0.18
-101

Dividend Comparison (1999 - 2026)

HRTG vs SPY dividend yield comparison.

YearHRTGSPY
20260.00%0.24%
20250.00%1.07%
20240.00%1.21%
20230.00%1.40%
20226.67%1.65%
20214.08%1.20%
20202.37%1.52%
20191.81%1.75%
20181.63%2.04%
20171.33%1.80%
20161.47%2.03%
20150.23%2.06%
20140.00%1.87%
20130.00%1.81%
20120.00%2.18%
20110.00%2.05%
20100.00%1.80%
20090.00%1.95%
20080.00%3.02%
20070.00%1.85%
20060.00%1.73%
20050.00%1.73%
20040.00%1.82%
20030.00%1.47%
20020.00%1.70%
20010.00%1.25%
20000.00%1.15%
19990.00%0.24%

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