TIPT vs HRTG

Comparison between Tiptree Inc (TIPT, Company) and Heritage Insurance Holdings Inc (HRTG, Company).

Both TIPT and HRTG are from the Financial Services sector.

5-Year PerformanceHRTG has outperformed TIPT, delivering a return of +22.0% compared to +12.7%

TIPT vs HRTG - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	TIPT(COMPANY)	HRTG(COMPANY)
Market Cap	$675M	$673M
Max Drawdown	55.89%	95.13%
Sharpe Ratio	-0.65	0.13
5Y Beta	0.63	0.49
Industry	Insurance - Specialty	Insurance - Property & Casualty
P/E Ratio	14.94	3.39
Forward P/E	12.11	N/A
PEG Ratio	3.14	0.02
Dividend Yield	1.33%	N/A
5Y Dividends CAGR	14.87%	0.00%
5Y EPS CAGR	-7.82%	N/A
Debt to Equity	14.30%	14.91%
Free Cash Flow Yield	26.02%	29.47%
P/S Ratio	0.29	0.77
P/B Ratio	1.33	1.26

Market Cap

Winner

TIPT

$675M

HRTG

$673M

Max Drawdown

Winner

TIPT

55.89%

HRTG

95.13%

Sharpe Ratio

TIPT

-0.65

Winner

HRTG

0.13

5Y Beta

TIPT

0.63

Winner

HRTG

0.49

Industry

TIPT

Insurance - Specialty

HRTG

Insurance - Property & Casualty

P/E Ratio

TIPT

14.94

Winner

HRTG

3.39

Forward P/E

TIPT

12.11

HRTG

N/A

PEG Ratio

TIPT

3.14

Winner

HRTG

0.02

Dividend Yield

TIPT

1.33%

HRTG

N/A

5Y Dividends CAGR

Winner

TIPT

14.87%

HRTG

0.00%

5Y EPS CAGR

TIPT

-7.82%

HRTG

N/A

Debt to Equity

Winner

TIPT

14.30%

HRTG

14.91%

Free Cash Flow Yield

TIPT

26.02%

Winner

HRTG

29.47%

P/S Ratio

Winner

TIPT

0.29

HRTG

0.77

P/B Ratio

TIPT

1.33

Winner

HRTG

1.26

TIPT vs HRTG - Historical Returns

Returns include dividend reinvestment.

Period	TIPT	HRTG
1 month	+4.85%	-2.39%
3 months	+11.14%	-20.18%
6 months	-0.40%	-22.76%
1 year	-23.01%	-5.95%
5 years(CAGR)	+12.70%	+22.01%
10 years(CAGR)	+15.47%	+7.56%
Max(CAGR)	+11.28%	+7.00%

Winner

TIPT

+4.85%

HRTG

-2.39%

Winner

TIPT

+11.14%

HRTG

-20.18%

Winner

TIPT

-0.40%

HRTG

-22.76%

TIPT

-23.01%

Winner

HRTG

-5.95%

5Y(CAGR)

TIPT

+12.70%

Winner

HRTG

+22.01%

10Y(CAGR)

Winner

TIPT

+15.47%

HRTG

+7.56%

Max(CAGR)

Winner

TIPT

+11.28%

HRTG

+7.00%

TIPT vs HRTG - Annual Returns (2010 - 2026)

Returns include dividend reinvestment.

Year	TIPT	HRTG
2026	-1.06%	-17.67%
2025	-9.29%	+139.44%
2024	+14.13%	+87.89%
2023	+36.04%	+252.43%
2022	-0.20%	-68.65%
2021	+184.21%	-41.81%
2020	-36.28%	-21.15%
2019	+48.00%	-9.90%
2018	-5.59%	-15.53%
2017	-3.80%	+14.64%
2016	+10.37%	-23.76%
2015	-21.45%	+11.63%
2014	+9.61%	+68.96%
2013	+0.33%	N/A
2012	+24.81%	N/A
2011	+45.26%	N/A
2010	-1.66%	N/A

TIPT vs HRTG Drawdown Comparison

The maximum drawdown for TIPT was -51.21%, occurring on Mar 18, 2020. Recovery took 1703 trading sessions.

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

The current TIPT drawdown is -29.76%. The current HRTG drawdown is -27.87%.

Rank	TIPT	HRTG
#1	-51.21% Jun 25, 2014 - Mar 31, 2021	-94.36% Jul 17, 2015 - May 7, 2025
#2	-42.34% Apr 23, 2021 - Oct 14, 2021	-32.95% Nov 14, 2025 - Jun 3, 2026
#3	-39.05% Nov 4, 2021 - Feb 10, 2023	-26.90% May 9, 2025 - Sep 19, 2025
#4	-37.86% Sep 12, 2025 - Mar 19, 2026	-19.47% Sep 19, 2025 - Nov 7, 2025
#5	-25.49% Feb 22, 2023 - Aug 28, 2023	-11.87% Mar 11, 2015 - Jun 30, 2015
#6	-25.28% Jun 14, 2012 - Aug 23, 2012	-11.09% Nov 5, 2014 - Dec 9, 2014
#7	-24.04% Jan 11, 2024 - Oct 16, 2024	-10.65% Jul 1, 2014 - Oct 21, 2014
#8	-22.61% Jun 24, 2011 - Mar 19, 2012	-5.07% Dec 23, 2014 - Feb 5, 2015
#9	-21.62% Apr 21, 2014 - Jun 16, 2014	-5.00% Dec 9, 2014 - Dec 22, 2014
#10	-18.86% Mar 26, 2025 - Sep 12, 2025	-4.26% Jun 20, 2014 - Jul 1, 2014
#11	-17.94% Jan 29, 2014 - Apr 4, 2014	-3.08% Jun 9, 2014 - Jun 11, 2014
#12	-17.64% Dec 31, 2012 - Aug 14, 2013	-2.63% Jul 6, 2015 - Jul 14, 2015
#13	-17.22% Dec 2, 2024 - Feb 27, 2025	-2.13% Nov 7, 2025 - Nov 12, 2025
#14	-17.00% Nov 26, 2010 - Jan 4, 2011	-1.90% Mar 6, 2015 - Mar 11, 2015
#15	-15.61% Sep 1, 2023 - Nov 14, 2023	-1.79% Oct 21, 2014 - Oct 24, 2014

Correlation

Correlation between TIPT and HRTG is 0.10 which considered as a very weak or no correlation - the stocks move independently of each other.

0.10

-101

Dividend Comparison (2011 - 2026)

TIPT vs HRTG dividend yield comparison.

Year	TIPT	HRTG
2026	0.68%	0.00%
2025	1.31%	0.00%
2024	2.35%	0.00%
2023	1.05%	0.00%
2022	1.16%	6.67%
2021	1.16%	4.08%
2020	3.19%	2.37%
2019	1.90%	1.81%
2018	2.42%	1.63%
2017	2.02%	1.33%
2016	1.63%	1.47%
2015	1.63%	0.23%
2013	2.38%	0.00%
2012	7.20%	0.00%
2011	6.23%	0.00%